Storm Damage

This 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:

1. Overview – During the Overview phase, we will show you the damage using videos and photos taking during our initial damage assessment.
2. Objectives – Castro Roofing wants to better understand your goals and what will make this a successful project from your perspective. We will also discuss Castro Roofing’s goals for the insurance claim.
3. Obsolescence – What could hinder our success or block the achievement of our Objectives… 
4. Opportunity – It’s all about proving damage and working together. We provide technical information to support the insurance claim.
5. Objections – What objections or concerns do you have related to the Storm Damage Claim?
6. Zero Hour – This is a military term that represents the time in which an event is scheduled to begin. Let’s talk about the time frame for the work you want done, the time it will take, and a time that is comfortable for you.
7. Organize – And lastly, we will draw out an initial plan to organize our resources and add any other team members we need in order to quickly, yet efficiently resolve our objectives successfully and completely.

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.

Storm Hawks performs the following assessment to help you, or your insurance expert build your case for the insurance company:

• Inventory all properties
• Detailed forensic investigation
• Core sample and material testing
• Fly-over video and photo documentation
• Storm Hawks Diagnostic Report
• CAD technical drawings
• Curtain Damage Audit
• X-Vision Thermal Mapping and Surveying
• Technical compliance
• International Building Code compliance

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.

In Texas, the courts have decided that there are three burdens of proof that both sides must prove with respect to an insurance claim:

• The policyholder has the responsibility to prove the storm damage should be covered under the insurance policy,
• The insurance company must show that an exclusion applies and will not have to pay the claim; and
• The policyholder must show that an exception to the exclusion applies.

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.

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 issue or problem. Information is not the same as legal advice. Castro Roofing is neither an attorney nor a public adjuster and is not licensed to provide legal or insurance coverage advice.

If the work is not performed 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:

1. General Contractor service
2. Long-life 10-year Labor Warranty (best in the industry)
3. Cloud storage of all project documents
4. Weekly Project Status Report
5. 20-year roof manufacturer warranty
6. Daily On-line Project Management (OPM) reports email to you
7. Statutory Performance and Payment Bonds
8. Advance communication technology
9. Design Built Assistance
10. Statutory insurance requirements

This is the final phase of the Storm Hawks Storm Damage Blueprint. We consider this phase the one that holds Castro Roofing accountable. This is critical because people worry about contractors picking-up shop and leaving never to heard from again. 

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!

1. LOOKOUT ™ Roof Monitoring Program – Once the repair of the roof is completed, we continue our services by performing annual preventative roof inspections to extend the life of your roof. We maintain an online database of how the roof is performing and identify and resolve any issues that require attention before it become a major problem. All findings regarding the status of the roof are uploaded to your online web portal that you may access at any time. This information is critical for compliance with the roofing manufacture warranty requirements as well the insurance company requirements set forth in most insurance policies. In essence, we provide an annual roof inspection and log all information electronically inside your LOOKOUT™ portal.

1. First Watch Storm Readiness Program – You will always be a priority candidate for First Watch Storm Readiness Program. Upon any storm that may impact your geographic location, we will have a Storm Hawks Unit Responder on the ground to validate safety, verify secure storm survivor, and provide immediate response for necessary storm damage repairs, all within hours after storm touching down.

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.