When the Storms Blow in… Castro is ready with the right solution
When your building is hit by a storm, the last thing you want to do is frantically and haphazardly apply “Band-Aid” solutions on readily apparent leaks. Obviously, the leaks need to be stopped; but more importantly, your building needs to be fully assessed for damage—both seen and unseen—so the best short-term AND long-term solution can be implemented.
At Castro Roofing, we’ve perfected the art of damage detection and repair. We go far beyond the usual visual assessments and quick-fix remedies applied by many roofers. Our process is comprehensive; it’s designed to sniff out the most difficult-to-find hidden damage, provide you with a detailed assessment, and fix everything with the highest level of quality available.
Here’s an overview of our famous 5-Step process:
Step 1: Blueprint – Getting A Handle On The Damage
Step 2: Detailed Assessment – Proving The Extent Of The Damage
Step 3: Scope Of Work – Making Sure The Insurance Company Is On Board
Step 4: Reconstruction – Fixing The Problem Right The First Time
Step 5: Post-Construction – We’re With You FOREVER
Getting Started with Your Storm Damage Strategy
Storm Damage Blueprint is five advance steps to instantly increase 30-50 percent results on your insurance claim…legally…and without any cost to you.
Getting started with the BLUEPRINT INTRODUCTION experience
The Blueprint Introduction is the first phase of the Storm Hawks Damage Blueprint. In this phase, the Storm Hawks Unit Responder performs an initial free consultation, if we feel we have a good fit, the Unit Responder will initiate a free Forensic Damage Assessment of some of your buildings. After video and photo documenting the potential damage, the Unit Responder will report his findings to the building owner and his executive team during our 7 O’s Experience presentation. During this presentation, the Unit Responder will cover 7 points:
The last phase for the Blueprint Introduction is the Green Light Agreement. If all parties agree to work as a team, Castro Roofing will provide our Agreement form to start the next phases of the process.
Assess Storm Damage
One of the most important phases of an insurance claim is the building owner’s ability to prove storm damage. Without proper storm damage assessment, it becomes extremely difficult, if not impossible to build an iron clad case.
Storm Hawks performs the following assessment to help you or your insurance expert build your case for the insurance company:
Storm Damage Case Study Video #1 – Actual footage of JPS in Louisiana.
Insurance company only wanted pay to coat over the existing roof.
Storm Damage Case Study – Actual footage of Kennedale ISD in Texas.
Insurance company originally denied claim.
Prove Storm Damage
When a commercial business is damaged by a covered peril (windstorm, fire, hail, etc.), the building owner will normally call his insurance agent or insurance company to file a claim.
The insurance company will then send either a staff adjuster or an independent adjuster to estimate the damage and issue a check to the policy holder. From this typical example, you would conclude that the insurance company has the burden of showing what is and is not covered under the insurance policy. However, this is not the case in Texas and some other states.
A little known case in Texas, David Lewis Builders, Inc. v. Mid-Continent Cas. Co., No. 09-21, 2010 WL 1286544 (N.D. Tex. April 1, 2010), explains the burdens of proof in Texas for insurance claims.
In the opinion, the court stated that, “Texas law places the burden to prove the existence of insurance coverage under an insurance policy on the party claiming coverage.” In other words, for a policyholder to obtain coverage under the policy, the policyholder, not the insurance company, must prove that certain damage is covered under the policy.
Assuming that the policyholder has an iron clad case demonstrating that certain damage should be covered under the policy, what is the next step? The Court in David Lewis Builders, Inc. added: “[a]n insurer has the burden to prove the applicability of a policy exclusion.” If the insurance carrier can show that an exclusion to the policy applies, “[t]he insured has the burden to prove the applicability of an exception to that exclusion.”
In Texas, the courts have decided that there are three burdens of proof that both sides must prove with respect to an insurance claim:
If you are keeping count, the policyholder has two burdens of proof to demonstrate, whereas the insurance company only has one. So the next time your insurance company sends one of its adjusters to estimate the damage to your business, it would be good to keep in mind the different burdens of proof each party must bear under Texas law.
We thought you might find this article informative. It has been our experience that a policyholder who understands and acts according to the information discussed in the article above greatly increases their chance of obtaining a fair and just insurance settlement.
*The information on this report is for informational purpose only and not for the purpose of providing legal advice or insurance coverage advice. You should contact your attorney or licensed public adjuster to obtain advice with respect to any particular issue or problem. Information is not the same as legal advice. Castro Roofing is neither an attorney nor a public adjuster and is not license to provide legal or insurance coverage advice.
Storm Damage Case Study Video #2 – Actual footage of JPS in Louisiana.
Insurance company only wanted pay to coat over the existing roof.
How Does Snow Storm Damage Commercial Roof Systems
Every year the Better Business Bureau receives over 2,000,000 inquiries regarding the trustworthiness of Roofing Companies…
That’s more than any other industry!
If the work is not perform to the highest craftsmanship methods, all the work that was done during the previous three steps would be almost worthless.
Here is our 10-Point Promise:
Post Construction Service – Continues service after the project is completed
This is the final phase of the Storm Hawks Storm Damage Blueprint. We consider this phase the one that holds Castro Roofing accountable. It is the most important phase, the “after we are done” phase. This is critical because people worry about contractors picking-up shop and leaving never to heard from again. Especially when it comes down to honoring warranties or continuing maintenance programs.
The reality is that once we become a team, we will never leave your side.
Storm Hawks brings two comprehensive programs after all work is completed providing 100% guaranteed coverage as your partner in maintaining building quality and safety. We like to refer to this as delivering peace of mind!
This keeps you from ever having to budget for roof repairs or maintenance because of our LongLife warranty.
We are the only organization in the country to provide private emergency response to mitigate all damages, downtime and possible repairs to; as well as expedite any future storm damage recovery, should it be necessary due to weather.
The Storm Hawks will be your guardian angel from this moment forward.