Investing in Resilient Roofs: Top Wind-Resistant Roofing Materials for Ohio Homes

As an Ohio homeowner, protecting your investment and ensuring your family’s safety is of utmost importance. With the region’s propensity for severe weather and high wind speeds, having a resilient roof is crucial to safeguarding your home. Fortunately, advancements in roofing materials have provided homeowners with a range of wind-resistant options. 

In this blog post, we’ll explore the top wind-resistant roofing materials designed to withstand Ohio’s harsh weather conditions. We’ll compare their benefits, potential cost considerations, and help you make informed decisions when it comes to investing in a durable and wind-resistant roof. So, let’s dive in and discover how you can fortify your home against wind damage.

1. Asphalt Shingles with Enhanced Wind Ratings

Asphalt shingles are one of the most popular roofing materials in Ohio due to their affordability and versatility. Modern asphalt shingles come with enhanced wind ratings, making them more resistant to wind uplift and damage. Wind-resistant asphalt shingles are typically rated up to 130 mph or more, providing a strong defense against strong windstorms.


– Cost-effective: Asphalt shingles are more budget-friendly compared to some other wind-resistant roofing options.

– Easy installation and repair: Roofing contractors are well-versed in installing and repairing asphalt shingles, leading to quicker turnaround times.

Cost Considerations:

– The overall cost will depend on the brand, style, and wind rating of the asphalt shingles you choose.

2. Metal Roofing

Metal roofing has gained popularity as a durable and wind-resistant option for Ohio homes. Metal roofs are designed to withstand high winds, making them an excellent choice for regions prone to severe weather conditions. They are available in various styles, including standing seam, metal tiles, and metal shingles, allowing homeowners to find an aesthetically pleasing option that complements their home’s architecture.


– Exceptional wind resistance: Metal roofs are known for their ability to withstand high winds and are often rated to withstand wind speeds exceeding 140 mph.

– Longevity: Metal roofs have a longer lifespan compared to traditional roofing materials, reducing the need for frequent replacements.

Cost Considerations:

– The upfront cost of metal roofing can be higher than some other materials, but its durability and longevity make it a cost-effective investment in the long run.

3. Impact-Resistant Shingles

Impact-resistant shingles are a specialized type of asphalt shingles designed to withstand the impact of flying debris during windstorms. They are engineered with a reinforced fiberglass mat and special adhesives, making them more resistant to damage caused by hail, falling branches, and other airborne objects.


– Added protection against impact: Impact-resistant shingles provide an extra layer of defense, reducing the risk of roof damage during windstorms.

– Potential insurance discounts: Some insurance providers offer discounts on premiums for homes with impact-resistant roofing, which can offset the initial cost.

Cost Considerations:

– Impact-resistant shingles are typically more expensive than traditional asphalt shingles but offer increased protection and peace of mind.

4. Synthetic Slate or Shake Roofing

Synthetic slate or shake roofing offers the elegance and charm of traditional materials without the added weight and fragility. Made from advanced materials like polymer, rubber, or plastic, synthetic roofing replicates the appearance of natural slate or wood shakes while providing enhanced durability and wind resistance.


– Lightweight: Synthetic roofing materials are much lighter than natural slate or shakes, reducing the load on the roof’s structure.

– Superior wind resistance: Many synthetic roofing options are engineered to withstand strong winds and severe weather conditions.

Cost Considerations:

– Synthetic roofing can be more expensive than asphalt shingles but less costly than natural slate or shakes.

Investing in a wind-resistant roof is a proactive measure that can protect your Ohio home and family from the damaging effects of severe weather. By considering wind-resistant roofing materials such as enhanced asphalt shingles, metal roofing, impact-resistant shingles, or synthetic slate/shake roofing, you can fortify your home against wind damage and potentially benefit from insurance discounts.

While each roofing material has its own advantages and cost considerations, the long-term benefits of a resilient roof far outweigh the initial investment. A wind-resistant roof provides peace of mind, ensures your home’s safety, and reduces the likelihood of costly repairs and replacements in the future.


If you’re ready to take the next step in securing your home against wind damage, contact WIW Roofing. Our team of roofing experts is well-versed in installing wind-resistant roofing materials and can guide you in making the best choice for your Ohio home. Don’t wait until the next storm hits; invest in a wind-resistant roof today and protect what matters most to you. Call WIW Roofing for a comprehensive roof assessment and start fortifying your home against wind damage.

Navigating the Roof Replacement Process After Wind Damage

When nature unleashes its fury in the form of powerful windstorms, your home’s roof can take a significant beating. Wind damage can leave your roof vulnerable, leading to leaks, compromised structural integrity, and the need for immediate attention. Navigating the roof replacement process after wind damage can be overwhelming, but with the right knowledge and preparation, you can ensure a smooth and successful restoration of your home’s crown.

In this blog post, we will walk you through the essential steps of roof replacement after wind damage, covering inspections, material selection, finding reputable contractors, insurance considerations, and more. So, let’s get started on restoring your roof’s strength and protecting your home for years to come.

Step 1: Inspection and Damage Assessment

After a windstorm, the first step in the roof replacement process is to conduct a thorough inspection. While you might spot obvious damage, such as missing shingles or visible leaks, it’s essential to have a professional roofing contractor assess the extent of the damage comprehensively. They can identify hidden issues that may have occurred, ensuring nothing is overlooked.

During the inspection, take note of the type and scope of the damage, as this will help you communicate effectively with roofing contractors and insurance adjusters. Having a detailed assessment will also help in obtaining accurate quotes for the repair or replacement work.

Step 2: Safety Measures

Safety should always be a top priority when dealing with a damaged roof. If you notice any sagging, severe leaks, or major structural damage, evacuate your home immediately and call for professional assistance. Avoid climbing onto the roof yourself, as the damage may not be immediately apparent and could pose serious risks.

Step 3: Selecting Suitable Roofing Materials

Choosing the right roofing materials is vital to ensure the longevity and durability of your new roof. After wind damage, it might be tempting to stick with the same materials, but consider this as an opportunity to explore more wind-resistant options. Impact-resistant shingles, metal roofing, or asphalt shingles with higher wind ratings are excellent choices for areas prone to windstorms like Ohio.

Consult with your roofing contractor about the best material options based on your budget, climate, and aesthetic preferences. High-quality materials may require a higher upfront investment, but they can save you money in the long run by reducing the need for frequent repairs and replacements.

Step 4: Finding Reputable Roofing Contractors

Hiring the right roofing contractor is crucial to the success of your roof replacement project. Look for contractors with extensive experience in wind damage restoration and a proven track record of satisfied customers in Ohio. Check their licensing, insurance, and certifications to ensure they meet industry standards and are qualified to handle your roof replacement.

Ask for references and read online reviews to gauge their reputation and reliability. A reputable contractor will be transparent about the entire process, including costs, timelines, and any potential challenges they foresee.

Step 5: Understanding Warranties

Before finalizing any contract, make sure you understand the warranties offered by the roofing materials manufacturer and the contractor. Reputable roofing materials usually come with warranties covering manufacturing defects, while contractors typically offer workmanship warranties. Understand the terms and conditions, including what is covered and the duration of each warranty.

Step 6: Insurance Considerations

Contact your insurance provider as soon as possible after wind damage occurs. Review your policy to understand what kind of wind damage coverage you have and the deductible you’ll need to pay out of pocket. Document the damage with photos and the inspection report, and provide all necessary documentation when filing a claim.

Keep in mind that insurance adjusters might undervalue the damage or suggest repairs instead of replacements. If you believe the damage warrants a full roof replacement, don’t hesitate to advocate for your needs and provide evidence to support your claim.

Step 7: Obtaining Necessary Permits

Depending on your location and the extent of the roof replacement, you may need to obtain permits from your local building authorities. Your roofing contractor should be familiar with the permitting process and can help you navigate the requirements.

Step 8: Financial Planning

Roof replacement can be a significant investment, especially after wind damage. Take time to plan your budget and explore financing options if needed. Some contractors offer financing plans that can help spread the cost over time, making the process more manageable for homeowners.

The roof replacement process after wind damage can be a challenging journey, but with the right approach, it can lead to a stronger, more resilient home. Remember to start with a comprehensive inspection, work with reputable contractors, choose wind-resistant roofing materials, and understand your insurance coverage. Prioritize safety throughout the process and take the time to plan your finances carefully.


If you’re in Ohio and have experienced wind damage to your roof, don’t hesitate to reach out to WIW Roofing. Our experienced team of professionals can guide you through the entire roof replacement process, ensuring your home receives the care and attention it deserves. Contact us today for a reliable and hassle-free roof replacement experience.

The Importance of Prompt Wind Damage Inspections for Your Home

Your home is your sanctuary, a place where you and your loved ones feel safe and secure. However, when Mother Nature unleashes her fury in the form of strong winds and storms, your home can bear the brunt of the force. Wind damage can be both immediate and insidious, and if left unaddressed, it can lead to serious consequences for your property’s structural integrity and your family’s safety. 

In this blog post, we’ll highlight the significance of conducting prompt wind damage inspections for your home. We’ll explore the potential dangers of neglecting damage, discuss the benefits of early detection through inspections, and shed light on how these measures can save you from costly repairs in the long run.

The Immediate and Hidden Dangers of Wind Damage

After a powerful windstorm passes through your area, it’s easy to spot the obvious signs of damage, such as fallen trees, scattered debris, and damaged windows. However, some of the most dangerous consequences of wind damage are not immediately apparent. Structural issues can arise from compromised foundations, weakened support beams, or loosened connections. If left undetected, these problems can gradually worsen and jeopardize the stability of your entire home.

Water leaks are another insidious consequence of wind damage. Strong winds can loosen shingles, create gaps in your roof, or damage your home’s siding, allowing rainwater to seep in. Over time, these leaks can lead to mold growth, rot, and deterioration of the building materials, eventually compromising the structural integrity of your home.

Compromised roofing is one of the most common and critical consequences of wind damage. Missing or damaged shingles can expose the underlying roof layers to the elements, leading to leaks and further damage. Ignoring roof damage may seem cost-effective in the short term, but it can result in more extensive repairs and costly replacements down the line.

The Benefits of Early Detection through Inspections

Conducting prompt wind damage inspections after a storm is essential to identify and address issues before they escalate into larger problems. Inspections provide an opportunity to spot hidden damage that may not be immediately apparent to the untrained eye. A thorough examination of your home’s exterior and interior can reveal any compromised areas that require immediate attention.

Early detection allows homeowners to take swift action, preventing further deterioration and mitigating potential risks. By addressing damage promptly, you can avoid the need for more extensive repairs and costly replacements in the future. Not only does this save you money, but it also ensures that your home remains a safe and secure haven for you and your family.

Preventing Further Damage

Prompt inspections and timely repairs can prevent further damage from occurring after a windstorm. Addressing issues like loose shingles, damaged siding, or gaps in windows and doors immediately will prevent rainwater from infiltrating your home and causing additional harm. Fixing minor problems early on can also protect your home’s structural integrity, preventing more severe issues that might require extensive renovations.

Moreover, taking proactive measures shows insurers that you’ve taken steps to mitigate potential damages, which may positively impact your insurance coverage and claim process if the need arises.

Saving Costs in the Long Run

Investing in a prompt wind damage inspection is a cost-effective measure in the long run. As mentioned earlier, addressing damage early prevents it from worsening and helps avoid expensive repairs or complete replacements. Waiting too long to address damage can lead to significant structural issues, requiring extensive and costly renovations that could have been avoided with timely intervention.

A thorough inspection by a professional can identify the extent of damage and provide a clear understanding of the necessary repairs and their estimated costs. Armed with this information, you can make informed decisions about the most effective and budget-friendly solutions for your home.


If you suspect wind damage to your home after a storm or want to ensure your property’s safety and integrity, don’t hesitate to schedule a comprehensive inspection with the experts at WIW Roofing. Our team of skilled professionals is equipped to identify both apparent and hidden damages, and we provide timely and effective solutions to protect your home from further harm.

At WIW Roofing, we understand the urgency of wind damage inspections and are committed to providing prompt, reliable services to homeowners in need. Contact us today to schedule an inspection and safeguard your home from the potential dangers of wind damage.

Why Ohio Homeowners Are Choosing Metal Roofs

We take pride in being a top roofing company in Bellbrook, Ohio, actively participating in the remarkable transformation unfolding in our community. A growing number of homeowners are embracing metal roofs for their residences, and this trend is not limited to our local area. Across the United States, metal roofing has been steadily gaining favor. So, what has prompted this surge towards metal roofs, specifically within the Ohio community?

Let’s delve into the reasons why Ohio homeowners are opting for metal roofs:

Durability and Longevity

One of the primary reasons homeowners are choosing metal roofs is their durability and lifespan. Traditional asphalt shingles, while cost-effective initially, typically last between 15 and 20 years. Metal roofs, on the other hand, can last up to 50 years or even more with proper maintenance. This longevity means that even though metal roofs have a higher upfront cost, they could end up saving homeowners money in the long run. 

Resilience Against Weather Conditions

Our Ohio weather is known for its unpredictability, with hot summers, cold winters, and everything in between. Metal roofs stand up well to these diverse weather conditions. They can withstand high winds, heavy snowfall, and even hail, ensuring your home remains protected no matter what Mother Nature throws at it. 

Energy Efficiency

Metal roofs are incredibly energy efficient, a feature that Ohio homeowners appreciate. In the hot summer months, metal roofs reflect solar radiant heat, which can reduce cooling costs by 10-25%. This energy efficiency can help homeowners reduce their carbon footprint and save on energy bills, making metal roofing an excellent investment.

Aesthetics and Versatility

Metal roofs are no longer the dull, industrial-looking covers they once were. Today, they come in a variety of styles, colors, and finishes, making it easy for homeowners to find a look that complements their home and personal style. From standing-seam styles to those mimicking wood shakes, slate, or even tile, metal roofs offer a wide range of aesthetic options. 

Environmentally Friendly

As more people are becoming environmentally conscious, the fact that metal roofs are 100% recyclable at the end of their life is a big draw. In contrast, most of the 11 million tons of asphalt shingle waste produced annually in the U.S. ends up in landfills. Moreover, many metal roofs contain a significant portion of recycled material, further reducing their environmental impact.

Low Maintenance

Compared to other roofing materials, metal roofs require minimal maintenance. They resist rot, insects, and mildew. Also, due to their slick surface, debris and snow slide off easily. While occasional inspection is necessary to keep a check on any potential issues, the overall effort needed to keep a metal roof in top shape is relatively low.

Increased Home Value

Finally, a metal roof can increase the value of your home. Given all the benefits we’ve mentioned, it’s no surprise that prospective homebuyers view metal roofing as a valuable addition. Homes with metal roofs often have a higher resale value and sell faster than those with traditional roofing materials.

In conclusion, the shift towards metal roofs in Ohio, is a wise move for many homeowners. The combination of durability, weather resistance, energy efficiency, aesthetics, environmental friendliness, low maintenance, and increased home value make metal roofs an attractive choice. 


At WIW Roofing, we’re proud to offer high-quality metal roofing installation and service. Our team of experienced professionals is here to help you understand your roofing options and make the best choice for your home and budget. If you’re considering a new roof, don’t hesitate to reach out to us to discuss the benefits of metal roofing further.

Ten Easy Steps For Submitting Your Insurance Claim And Completing The Work


Step 1:  Contact a reputable insurance restoration contractor to inspect and document the damage to your property.

Step 2: Sign a service agreement with the contractor to allow them to negotiate the scope of loss and estimate with the adjuster.

Step 3: File your claim online, clearly outlining the damage and its cause. The adjuster will contact you within 48 hours to schedule an inspection of your property.

Step 4: The contractor will accompany the adjuster during the inspection, documenting the process through photos and video.

Step 5: The contractor and adjuster will create an estimate using the same software to compare and agree on the necessary steps and cost to restore your property to its pre-loss condition.

Step 6: Once a price agreement is reached between the contractor and the insurance company, the contractor will schedule a time to collect the deductible and the ACV check, and discuss any upgrades to our preferred warranty.

Step 7: The contractor will schedule the work to be done promptly and file any additional supplements needed during the completion of the job.

Step 8: Once the work is completed, the homeowner will sign a completion form to release the remaining funds and any additional supplements.

Step 9: The contractor will schedule a time to collect the final payment.

Step 10: The homeowner is encouraged to leave a review of the contractor on Google to help other homeowners choose the right roofer.

The Advantages of Using a Roofing Professional for Insurance Claims

You won’t go to court without a lawyer, so why would you go to your insurance company without one?

As heavy rain and windstorms roll across the country, many properties will sustain storm damage, including roof damage. Your initial inclination may be to contact your insurance company, but since insurance companies often reject these claims, they also suggest contacting a local roofing specialist.

You should be working with a roofing contractor to make an insurance claim for many reasons.

Inspect for Damage

Having a professional evaluate your roof can guarantee that the damage does not cause more problems in your house. A roof leak may quickly cause rotted rafters and decking, mold development, and sheetrock damage to your roof system. A roofer may inspect all the damage and take precautionary steps to prevent leaks from causing more damage.

Examine Storm Damage

A roofer will also be able to detect problems that you may be unable to see. Most storm damage to your roof will be invisible from the ground. Even if you climb a ladder to your roof (which is not advisable), you may not know where or what to look for. A professional roof inspection will enable someone with a trained eye to check the roof for storm damage.

When it comes to storm damage, a skilled roofer will know what to check for. In situations of wind damage, they will search for wrinkled shingles and dents from hail storm damage.

Record Storm Damage

A roofing firm will document each house inspection by posting images and damage details to our online project report portal. They may use the program to arrange high-quality photographs and create a timetable for each project for each homeowner. An inspection will also enable your roofer to chalk mark the areas of roof damage, which will help your insurance company record the damage.

Assist with Insurance Claims

The incredible thing about having a roofer on your side when filing an insurance claim is how much they simplify the process. Insurance companies demand photographs and thorough documentation of the damage. When you hire a roofing contractor, you can be confident that their reports are officially certified, and your insurance company will not be able to disregard them.

Consult Your Insurance Adjuster

The meeting with the insurance adjuster is the most critical moment to have a competent roofer working on your insurance claim. A roofing company will meet with your adjuster and present them with the storm damage evidence.

While insurance adjusters may have dealt with claims in the past, they are not qualified roofing specialists. As a homeowner, you want someone with building experience who understands what they’re looking at to represent you to your insurance carrier.

When to Hire Professionals

A severe storm might harm the condition of your roof. Therefore, it is essential to have a professional assessment performed to evaluate any damage. Hiring a skilled roofing contractor can simplify and expedite the insurance procedure while saving you money.

Final Thoughts

When filing an insurance claim, having a roofer on your side may be helpful. A skilled roofer can evaluate, assess, and record the damage for the insurance company. They will also assist you with the insurance procedure, meeting with adjusters, and ensuring that your claim is approved. Do not attempt to file an insurance claim on your own; instead, seek the aid of a professional roofing contractor.

How to Get Homeowners Insurance to Cover a Roof Replacement

Everyone takes their roof for granted until a storm, a fallen tree, or even those pesky neighborhood squirrels cause havoc. If your roof is damaged, you may want to file a homeowners insurance claim to lower your out-of-pocket expenses. However, it may be challenging to know where to begin.

Unfortunately, if you fail to follow the correct procedures while making a roof claim, your insurance carrier may refuse your claim due to an administrative error. This article will outline the four steps to obtaining homeowners insurance to cover the cost of roof replacement.

1. Understand your roofing insurance policy.

Check your homeowners’ policy for roof coverage when you discover damage to your roof. If you do not pay much attention to your policy, this may need some investigation, but the information will also guide your financial considerations about roof repairs. You can also ask your insurance agent for a copy of your policy.

Most insurance companies provide two types of roof insurance: repair coverage and replacement coverage. Repair coverage often reimburses the homeowner for a percentage of the cost of repairs. Replacement coverage, on the other hand, pays for replacing a damaged roof. These plans are more expensive and make filing a claim difficult. That is why it is critical to document the damage and file a claim as soon as possible.

Unfortunately, homeowners insurance will not cover all roof damage. Your insurance, location, and the cause of the damage determine your coverage. A hail storm, for example, that damages a roof may qualify for coverage because it is an exceptional and unpreventable event. However, due to the frequency of such catastrophes, or because the homeowner lacks hurricane-related coverage or did not make appropriate preparations, a hurricane that damages a roof may not be covered. If you or an untrained (or unlicensed!) the roofer caused the damage, your roof replacement will most likely not be compensated.

If you have questions about roof coverage, contact your insurance agent and ask for more information.

2. Photograph the damage and notify your insurance company.

Once you’ve determined that the damage to your roof is covered by your homeowners’ insurance (or it should be), the next step is to document the damage. Take numerous photographs, not only of the exterior damage but also of the interior of your home. If you have a tall enough ladder and feel safe climbing it, you can shoot shots from there or use a drone with a camera, which is an even safer option. If you can’t properly assess all of the damage, call an experienced roofing firm for an inspection—better it’s to be safe than sorry.

Take note of the date of the damage as well. If your roof was destroyed by a storm, such as a tornado or a hurricane, look for articles online that correspond to the dates of these destructive events to support your claim.

Then, go to your insurance company’s website to find out how to file a claim. Many policies demand the homeowner to file their claim within a specific time frame following the occurrence. You should be aware of your insurance company’s protocol, as your claim may be refused if you wait too long.

3. Conduct roofing company research and hire the most reputable.

After submitting your roof insurance claim, contact a reliable roofing firm with insurance claims experience to do a roofing inspection. They can inspect the damage and produce a report for your insurance company. If you do not engage professionals to inspect the roof, your insurance company may pay someone to do it on their behalf. Because this third-party inspector works for the insurance company, they may seek any justification to deny your claim. However, by taking action and hiring your inspectors, you increase your chances of getting your insurance to pay for roof repairs.

But how do you pick a roofing company?

To begin, seek a firm that offers roof replacement and installation for the most typical roofing materials, such as shingles, tile, and metal roofing. A reliable roofing company should also have a website and a Google My Business page with customer reviews.

Make sure the roofers you hire have experience dealing with insurance claims since this will allow them to interact with your insurance company and provide proof that your claim is valid.

A reputable roofing firm will replace your roof effectively without causing more damage or costing you an exorbitant fee. If you choose roofers with a bad (or no) reputation, your insurance claims may be denied in the future due to incorrect previous installations.

4. Watch out for insurance scams and storm chasers.

Scammers have the potential to take advantage of you when insurance is involved. Scammers will find canvas areas after a significant storm with the promise of a free roof; be warned that this is most likely not a reputable enterprise. The people coming door to door are trained salespeople who will do everything they can to persuade you to sign on the dotted line.

Some sources of roof damage are covered by insurance, but not all. A worn-out roof does not warrant an insurance claim, but something is wrong if the salesperson claims it does. They may also argue that the damage is so severe that you must act immediately. Another strategy is to imply that they will give you a good deal because they are in the neighborhood, but you must move quickly. These aggressive sales closing practices are red flags that the company is not authentic.

There are a few precautions you may take to identify fraudsters. For one thing, you should request a copy of their liability insurance and any other credentials that a trustworthy roofing company should have. It’s also preferable if they have a physical presence in the neighborhood. Inquire for an address and a business license. Finally, look for online reviews to determine if there are any concerns about this company.

5. Follow the next steps in your roof replacement claim.

Your insurance company can decide once you submit your claim and hire a roofing business to provide supporting documentation. The insurance agent would notify you if your claim were approved or refused after their allotted time limit (typically about 15 days). If they decline your claim, you can appeal the judgment. These procedures vary depending on the insurance company, so visit your insurance representative for help.

If your roofing claim is approved, you can begin working with the contractors you have chosen to execute your new roof installation. You should have your roof regularly inspected once it has been replaced. Routine maintenance keeps your roof in good condition. It will make future roofing claims easier to process because you will have written reports and images documenting the roof’s previous state.


Having a reliable roofing contractor is essential for getting insurance claims approved and having your roof replaced most cost-effectively. By doing research, checking credentials, and avoiding storm chasers and scam artists, you can ensure that you pick a trustworthy roofing firm and get the best results from your insurance claim.  

Contact Us for Your Repair and Replacement Needs

Have a damaged roof in the Dayton, OH, area? Need to file an insurance claim? WIW Roofing is here to assist you with all your roof repair and replacement needs. Just give us a call so we can help!

Questions & Answers About Roof Insurance Claims

Questions & Answers About Roof Insurance Claims

This article contains the following information.

  • Will filing a roof insurance claim raise my premium?
  • What does the insurer want?
  • What is the payment procedure of the insurer?
  • What if my insurance company does not pay the whole cost indicated by the roofer?
  • Why do insurance companies refuse to pay depreciation?
  • What are the most common forms of home insurance policies?
  • How do you calculate Recoverable Depreciation and Actual Cash Value?
  • How will you bill me?
  • Do you take payments?
  • Is there a warranty on my new roof?
  • Is my roof going to be replaced or repaired?
  • Do insurers provide a discount for an impact-resistant roof?
  • How does the mortgage firm operate?


If a hail storm just went through your area, you’re probably wondering if your roof was damaged and/or if you should submit an insurance claim for your roof.

This article addresses frequently asked questions & concerns about roofing insurance claims, such as “What is the roof replacement process?” and “When will my first roofing insurance claim check arrive?”

We also describe popular roof insurance terminology so that you are better prepared when you call your insurance company.

Will filing a roof insurance claim raise my premium?

If you were not negligent, then most likely not.

Because hail damage is not the result of your negligence, most insurance companies will not increase your premium if you file a claim. I mean think about it – it’s not like you moved your residence in the middle of a hailstorm. In comparison, if you backed your car into your garage door, you were negligent because you didn’t open the door or double-check that it was open before backing up. In such a case of negligence, your premium will almost certainly rise.

What does the insurer want?

When an insurance company inspector comes to check your roof, they are usually looking for apparent hail damage or other weather-related damage to your roof. The inspector looks for bruising or black spots on your shingles where granules have been removed, exposing the underlayment or fiberglass. New hail damage is usually bright. However, older damage can appear duller owing to weather exposure.

Although hail damage may not immediately threaten the roof’s structural integrity, it will cause problems in the future. Furthermore, many insurance companies have a statute of limitations on how long a hail claim can be pursued. As a result, it is always a good idea to contact your insurance carrier as soon as possible following a large hail storm.

When your roof sustains hail damage, numerous things happen.

  • Accelerated granule loss
  • Accelerated shingle aging
  • Voids manufacturer’s warranties
  • Leads to other associated problems

What is the payment procedure of the insurer?

First, double-check

The insurance company should send the policyholder the first insurance check for your roof replacement as soon as the insurance adjuster has completed their roof damage evaluation.

The second check (recoverable depreciation)

The second check is withheld until the roof repairs are done. This second check is generally 10% to 40% of the entire settlement and is usually referred to as “recoverable depreciation” or “withheld depreciation.” When the insurance company gets an invoice for the final payment, it sends it to the homeowner.

When you receive the invoice, send it right away to your insurance carrier. This will expedite the payment of depreciation. Please remember that most settlement checks are only for 180 days. If the homeowner lets this check expire, the bank will not honor it, and a lengthy process to get this check reissued begins.

Furthermore, remember that the settlement is based on the cost of repairing the roof with “similar kind and quality” materials. However, there are situations when the homeowner and their insurance adjuster disagree on the cost, size of the roof, or scope of the damage. In this instance, your sales representative has the requisite skills to address these disputes with your insurance adjuster immediately. Everyone wants to make this process as simple as possible for you.

What if my insurance company does not pay the whole cost indicated by the roofer?

If you choose a trustworthy roofing company, they should be able to verify your insurance documents and notify you if anything is missing from your insurance’s estimate. At that time, and with your agreement, your roofing contractor should be allowed to contact your adjuster and inform them of any differences, as well as any code requirements that may have been overlooked in their initial adjustment. These code standards will necessitate documentation from your municipality, which your contractor should be able to give.

Why do insurance companies refuse to pay depreciation?

Insurance companies are not uncommon in withholding depreciation – the second check or balance for the roof replacement or repair. They do this because of con artists. The insurance provider wants to ensure you’re just spending the money on replacing or repairing your roof. They can avoid overpaying by withholding funds until they receive the final invoice from the roofing firm.

What are the most common forms of home insurance policies?

Residential insurance plans are classified into two types:

  • Replacement Cost
  • Actual Cash Value (ACV) (RC)

Actual monetary value

With ACV coverage, the value of your roof will depreciate each year for ten years. As a result, if your roof has been damaged, you will only receive a check for the roof’s depreciated worth.

Cost of Replacement

If you have an RC policy, your insurance provider will pay for replacing your roof, less your deductible. Furthermore, “replacement cost” home insurance coverage will typically pay for a new roof in two installments.

How do you Calculate Recoverable Depreciation and Actual Cash Value?

Assume you installed a new $10,000 roof on your house five years ago, and a hail storm recently wrecked it. Assume your 5-year-old roof was made of ordinary asphalt roofing shingles, which endure roughly 20 years. The Actual Cash Value would be $7,500 because your roof was only five years old when the hail storm happened. As a result, the recoverable depreciation is $2,500. This is the difference between the replacement cost of $10,000 and the actual cash value.

Here’s how it works:

R = ACV x (E – C) / E

10,000 x (20 – 5) / 20 = 7,500

R = $10,000 (Replacement cost or purchase price of the roof) (Replacement cost or purchase price of the roof)

E is equal to 20 years (Expected life of the roof)

Five years = C (Current life of the roof)

Actual Cash Value is calculated by subtracting the current age of your roof from the expected life of the roof (e.g., 20 – 5, which equals 15), multiplying by the replacement cost or purchase price of the roof (15 x $10,000, which equals 150,000), and dividing by the expected life of the roof (150,000 / 20, which equals 7,500).

How will you bill me?

Once your new roof is completed, they will send you an invoice for the entire amount owed. Please deliver this invoice to your insurance company immediately, as they will begin processing your second check.

Do you take payments?

Yes. Upon completion of your roof, they will receive a partial payment or your first check. When you receive the second check, the balance is expected. Please make arrangements with your insurance company, bank, and mortgage company so that you have monies available at this time.

If payment in full is not made within 30 days of completion, a 1.5% penalty per month will be applied until the balance is entirely paid. Furthermore, a lien may be imposed on your property to shield us from liability for the services completed.


Is there a warranty on my new roof?

Yes. Two warranties will protect your new roof:

It only covers workmanship and labor, not materials. This warranty is good for five years.

Manufacturer – The shingle manufacturer provides this warranty covering the materials used. Depending on the product you install, these warranties range from 25, 30, 40, 50, and lifetime years.

Please keep in mind, however, that these warranties are only good until your bill is paid in full.

Is my roof going to be replaced or repaired?

It is up to the insurance company to choose whether your roof should be repaired or replaced. It all boils down to which option is less expensive: a complete roof replacement or mending a tiny section of your roof. The majority of hailstorms are large. They are large enough to cause damage to several dwellings, if not entire villages. As a result, hail storms frequently cause total roof damage. As a result, most insurance companies will cover the whole roof replacement.

Do insurers provide a discount for an impact-resistant roof?

Every year, the number of roofing products available grows. As roofing technology advances, so searches for the ideal roof:

One that is visually appealing, has a high property value, is cost-effective, is resistant to hail, and, most importantly, is maintenance-free.

Some insurance companies can offer discounts if you have a hail-resistant roof installed. This is typically characterized as roofing material that has passed an Underwriters Laboratory test known as UL 2218. In this test, steel balls of varying sizes and weights are dropped from varying heights onto roofing material, and the resulting damage is analyzed. Each material is assigned a rating based on the damage caused by the steel balls, which the material maker must agree to for the insurance company to participate in their discount program.

Unfortunately, most manufacturers have declined to participate in these rebate programs.

However, deal with several manufacturers who create the following Impact Resistant tiles and may give these reductions.

How does the mortgage firm operate?

On the first, and sometimes second, check, most insurance providers will include both the homeowner’s and the mortgage company’s names. Mortgage firms ask the homeowner to sign and send this check to them. Each mortgage firm, however, has its protocols for returning monies to the homeowner. Usually, this occurs only after repairs have been completed. The best thing to do is to inquire with your mortgage provider about the papers required to release this money.

Please remember that most settlement checks are only for 180 days. The mortgage company will not recognize this check if the homeowner permits it to expire. As a result, please ensure that the mortgage firm receives this check before it expires.


There are several important factors to keep in mind regarding roofing and insurance. The most important thing is understanding your policies and what they cover. Also, ensure you know the warranties offered by your roofing product and if any discounts are available for impact-resistant roofs. Additionally, be aware of the process required by your mortgage company to receive and release funds. With this knowledge, you can make an educated choice about whether to repair or replace your roof.

Keeping Your Roof Safe This Winter With Ice Dam Prevention Systems

As winter is upon us, it is essential to take precautions to avoid ice dams from building on your property.

Ice dams can cause severe damage to your roof and gutters, therefore it is crucial to take preventative measures. There are a number of ways to prevent ice dams, and we will discuss some of them in this article.

What Are Ice Dams?

Ice dams are a potentially catastrophic issue for any roof. When temperatures drop, a ridge of ice can form at the edge of a roof, and this is known as an ice dam. Ice dams are formed when heat from the house escapes and melts the snow that has accumulated on the roof. After that, the water flows down the roof and refreezes at the edge, making a dam that stops additional melting and runoff from occurring. Ice dams have the potential to cause severe damage to a home’s roof, shingles, and gutters, as well as to create leaks and flooding within the home.

What Are the Consequences of Ice Dams on Your Roof?

Ice dams have the potential to do significant damage to your roof. The weight of the ice can cause damage to the roof’s shingles, gutters, and other components if it is allowed to accumulate. The water that collects behind the ice dam and then begins to back up behind it can also enter beneath the shingles, which can cause leaks.

What causes Ice Dams?

Ice dams can build in your home if the temperature in your attic is consistently higher than the temperature outside. Because of this, the snow that is currently on your roof will begin to melt and will eventually make its way down to the gutters. There, the temperature will be the same as the air outside, and the water will begin to refreeze. This ice buildup can quickly become much worse if the gutters are clogged.

When the ice has reached the appropriate thickness, the remaining water will begin to seep under your shingles, causing damage to the underlayment and finally leading to a leak in the roof. By addressing the fundamental issues that underlie the problem, ice dams can be prevented before they even form.

Poor Attic Insulation

Not only is allowing heat to escape from your attic bad for your energy bill, but it also allows the ice on your roof to melt, which fills your gutters. This surplus water will eventually result in the formation of an ice dam on the roof if sufficient drainage is not provided.

Blockages In The Path Of The Water Runoff

The most common source of ice buildup is obstructions in the gutters themselves. It can be debris like leaves and sticks, or it might just be ice that has accumulated over time and needs to be cleared away.

Failure To Remove Snow

If you do not rake the snow off your roof after each snowfall, the amount of roof melt that flows into your gutters will be greater. When the temperature lowers, having less water in the gutters will result in less ice forming in the gutters.

Ice Dam Prevention Systems

It will be simpler on both you and your home if you learn how to prevent ice dams from forming on the roof rather than having to learn how to remove them. The removal of snow, insulation, and the installation of gutter guards are the three primary methods that can be used to prevent ice dams. Combining these three approaches is the most efficient way to eliminate the possibility of ever having to be concerned about ice dams again.

Remove The Snow From Your Roof After Every Fall Of Snow.

Your attic is protected from the cold by the snow that falls and collects on your roof, which works as an insulator. When the temperature in the attic reaches a point where the snow can be melted, the resulting water will start to flow toward the gutters. If there is nowhere else for this water to go, it will either contribute to the accumulation of ice behind your dam or seep into your home through the ceiling.

In order to easily avoid ice dams from forming, you should purchase a snow rake and then use it after each snowstorm to clear out the bottom of your roof. Although it is one of the less expensive means of protection, it does require some effort on the part of the individual to make certain that the snow does not have the opportunity to accumulate throughout the course of the winter.

  • Least expensive preventative technique
  • Requires season-long maintenance
  • Ineffective for roof sections that are difficult to access

Be Sure That The Attic Is Properly Ventilated And Insulated.

There have been a lot of folks wondering, “Do gutters cause ice dams?” In point of fact, the problem does not originate in the gutters but rather in the attic. If your attic does not have adequate insulation, the snow that is on your roof will melt fast, causing an overflow of water to run off into the gutters. Because the gutters maintain the same temperature as the surrounding air, the water refreezes once more when it comes into contact with them.

If the attic has sufficient insulation, the roof shingles will maintain the same temperature as the surrounding air, which will prevent snow from melting. After that, you can either clear the snow from the gutters with a snow rake or wait for the sun to do it for you while simultaneously melting the snow in the gutters and forming a steady stream. Some advantages of implementing this solution are as follows:

  • Putting an end to water runoff before it ever begins
  • Adding insulation is a project that can be done by oneself.
  • Increasing savings on energy throughout the entire year


Install Helmet Heat Into Your Gutters

Installing gutter heaters to avoid the formation of ice dams is your best bet for enjoying a worry-free winter. Gutter guards, such as Gutter Helmet, are able to prevent any debris from clogging up your gutter system; however, they are not always successful in preventing ice from forming. Helmet Heat is a self-regulating heating coil that, when utilized in conjunction with a Gutter Helmet system, can fully eliminate the formation of ice dams.

The temperature outside drops, which triggers the automatic activation of Helmet Heat, which maintains a temperature in your gutters that is above freezing in order to maintain the water flow that is necessary for healthy soil. Because it operates on its own, there is no need for constant supervision, and there is no unnecessary loss of power. Helmet Heat is a risk-free and reliable answer to all of your ice dam concerns that only needs to be applied once.

  • Prevention of ice dams through self-regulation
  • Activation takes place on its own, saving energy.
  • When combined with Gutter Helmet, this makes for gutters that require no maintenance throughout the whole year

Before the Winter: Get Things Done

Spend some time getting your house and roof ready for the winter months before they arrive by doing some preseason maintenance. When the weather is warmer, cleaning your gutters and downspouts on a regular basis can also help you avoid the formation of ice dams. This will assist in making certain that water can flow freely and not become trapped behind an ice dam. Inspection and repair of the roof on a routine basis can also assist prevent ice blockages.


Throughout the Winter, Be On Guard and Remove

It is essential that you keep an eye on your roof throughout the winter months if you reside in a region where ice dams are a common issue. If you observe the formation of an ice dam, you should take steps to remove it as quickly as you can. To remove the ice dam, you should get in touch with a qualified expert.

WIW Roofing is recognized as the go-to company for roofing services in the communities of Bellbrook, Beavercreek, Centerville, Waynesville, and Springboro, Ohio, as well as the surrounding areas. We have a combined total of over 30 years of experience working in the roofing sector, and we are quite knowledgeable about all different kinds of roofs. 

Get in touch with us right away and one of our experts will be happy to walk you through your options. If you have any queries about ice dams or any other roofing issues, we would be more than pleased to address them.

6 Preventative Maintenance Tips for the Winter

There is no disputing the fact that winter can be a harsh season, particularly for your roof. Maintaining the health of your roof should be an ongoing project that you work on throughout the year. But when winter comes, you need to be much more careful to keep your roof from getting damaged.

The health of your roof is put at risk when snow and extremely cold temperatures combine. If you are not careful, you can find yourself having to pay a lot of money for repairs.

This indicates that during the winter months, you should take precautions to protect your roof. Take a look at the basic roof care activities that you need to take in order to ensure that your roof will remain in good shape throughout the winter months.


1. Quickly clear the snow away.

As soon as you become aware that snow is beginning to accumulate on your roof, you should make every effort to clear it off as soon as possible. When snow and ice come together, the result is a tremendously heavy weight that is left on your roof.

If you let this snow and ice accumulate for long enough, it will turn into an ice dam. The true extent of the devastation won’t become apparent until these dams begin to thaw and then freeze again.

The ice dam will typically melt throughout the day, but then it will refreeze at night when temperatures drop significantly. This is the normal course of events. This results in the shingles being more loose. You will start to notice leaks as soon as your shingles begin to get loose.

During the winter months, clearing snow from your roof can be an intimidating task that requires you to climb onto your roof. This is due to the fact that the roof is typically very slippery. Calling in the experts is your safest bet whenever you want to avoid getting into an accident.


2. Be Sure to Check Your Flashing

Flashing should be inspected right away, even before the onset of winter. This should be one of the very first things you do. It is, however, not too late to check your flashing even if you did not do so before winter arrived because you may still do it during the winter. On the days when the snowfall is not very heavy, you should examine your shingles to see if any of them have grown deformed or have become loose.

In the event that you discover any errors, you should have them repaired as soon as possible. If you let snow and ice accumulate next to damaged flashing, you will definitely end up with a leak.


3. The Condition of your Gutters

Most of the time, gutters are quite vulnerable to the effects of freezing weather. This indicates that you should be sure to check on them frequently over the winter.

This is because the gutters are a common location for the formation of ice dams. If you look up at your gutters and find icicles dangling from them, this is a sign that there is already a buildup that you need to address as soon as possible.

One of the most significant threats is that the weight of the ice will force your gutters to become brittle and eventually break. It’s possible that your gutters will give way if this happens.

If something like this occurs, you may plan on spending a lot of money on repairs. This is due to the fact that not only will the gutters be harmed, but the region from which it tears itself away is also likely to become injured.

The most important thing to remember is that whenever you notice ice dams accumulating in your gutters, you should act quickly to remove them.


4. Serious Risk of Wind Damage

The harmful impacts that snow and ice can have have been described up to this point. Nevertheless, one of the most significant worries during the winter is wind damage.

If you get word that a huge storm is heading your way during the winter or that a major storm has just passed through your area, you should constantly check your roof. Do not make the assumption that everything is fine without more investigation.

During this assessment, be on the lookout for any shingles that are cracked or missing altogether. If you don’t take care of the problem as soon as you realize there’s damage to it, one of two things could end up happening.

The first and most noticeable problem that will arise is that water will start to seep in through your ceiling. Mold, mildew, and bacteria are all things that have the potential to begin growing in the region where there has been damage. This is the second thing that could happen.

If you want to keep your roof repair costs to a minimum, it is imperative that you fix any wind damage as soon as possible.


5. Cut Back Overgrown Branches and Clean Up the Area

As soon as winter arrives, one of the first things you should do is prune any trees that are hanging over someone else’s property.

Next, clear away any debris that may be on your roof and in the spaces surrounding it. This indicates that you should clean the debris out of the flashing, the gutters, and the downspouts. When you clear away debris, there is no longer an opportunity for moisture to condense on the items.

When moisture has the opportunity to settle on debris, it can lead to rotting as well as the growth of mildew. Because of this, you absolutely must move immediately. Debris can be swept away with a broom before winter arrives.

It is common for the removal of debris to become somewhat more challenging during the winter months. Due to the fact that the roof will be damp and slick. Take every precaution, or better yet, engage a specialist to handle it for you.


6. Don’t Forget to Check Your Attic Space

The presence of a leaking roof or inadequate ventilation in the attic can be problematic during the colder months. If the ventilation in your attic is inadequate, then it will grow moist.

To keep condensation from forming in the attic during the winter, make sure there is enough ventilation before the season starts.

Attics are a favorite place for ice dams to form. When completing your pre-winter inspections as well as inspections during the winter, do not forget to have a look at how well your attic is holding up. Leaks can be caused by damaged shingles, therefore, it is important to make sure that there are no damaged shingles.


Roofing Maintenance During the Winter

It is vital to perform roof maintenance during the winter. Your roof may sustain damage if it is exposed to freezing temperatures for an extended period of time.

Being proactive is the best action that you can take. Start doing roof inspections well in advance of the onset of winter.

Nevertheless, even if you did not have the opportunity to do your inspections before winter, you may still prevent damage to your roof by simply being observant. This indicates that you should conduct an investigation as soon as possible after seeing the formation of ice dams on your roof.

If ice dams start building in your gutter, you should clear them out as soon as possible. If a storm is coming your way or has just passed through, you should do an emergency inspection.


WIW Roofing provides dependable and high-quality service for all of your company’s roofing requirements. Cold weather can cause problems with your roof, but you can avoid them by having one of our professionals check it out as soon as possible.  Give us a call today to book a free estimate!