When you see "high-grade shingle" on an adjuster's report after a storm or other damage, it refers to the quality and durability of the roofing material. It's not a standardized term with a precise definition across all insurance companies or jurisdictions, but it generally implies a shingle with superior performance characteristics compared to standard or economy options. Understanding what constitutes a "high-grade" shingle is crucial for homeowners to ensure they receive fair compensation for repairs or replacements.
What Makes a Shingle "High-Grade"?
Several factors contribute to a shingle being classified as high-grade. Adjusters typically look at these key features:
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Material Composition: High-grade shingles often use higher-quality asphalt, fiberglass mats (with denser composition), and superior mineral granules. This translates to better resistance to cracking, tearing, and granule loss. The type of asphalt used (e.g., SBS modified asphalt) significantly impacts durability and longevity.
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Warranty: A longer warranty period usually signifies a higher-grade shingle. Look for warranties that cover things like wind resistance, algae resistance, and manufacturing defects. A 30-year or 50-year warranty often points towards a higher-quality product.
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Thickness: Thicker shingles generally perform better in harsh weather conditions and last longer. This is often indicated by the shingle's weight or the manufacturer's published specifications.
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Wind Resistance: High-grade shingles are engineered to withstand higher wind speeds, minimizing the risk of damage during storms. Look for certifications or ratings indicating wind resistance capabilities.
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Fire Resistance: This is vital for safety. High-grade shingles often have higher fire resistance ratings, further contributing to their perceived quality.
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UV Resistance: Granules on high-grade shingles are formulated to resist fading and degradation from UV exposure, maintaining their aesthetic appeal and performance over a longer period.
What Does a "High-Grade Shingle" Imply on My Insurance Claim?
If your adjuster notes "high-grade shingle" on their report, it means they've likely assessed your roofing material as superior in quality. This could impact your claim settlement in a couple of ways:
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Higher Replacement Costs: Replacing high-grade shingles will cost more than replacing standard shingles. The adjuster should factor this into the estimate, ensuring you receive fair compensation for the value of your damaged roof.
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Faster Claim Processing: Depending on the insurer's policy, evidence of superior roofing materials might streamline the claim process, as the damage might be considered more significant due to the higher value of the material.
What if My Adjuster Doesn't Specify "High-Grade"?
If your adjuster's report doesn't specifically mention the shingle grade, it's crucial to:
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Review the Report Carefully: Check for other details that indicate the shingle's quality, such as the manufacturer's name, model number, and warranty information.
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Contact Your Adjuster: Ask clarifying questions about the assessed shingle quality and its impact on your claim.
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Obtain a Second Opinion: Consider getting a separate inspection from a reputable roofing contractor or another independent adjuster. They can provide an unbiased assessment of your roof and the quality of the shingles.
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Check Your Policy: Familiarize yourself with your homeowners insurance policy details, specifically what it covers regarding roof damage and replacement.
How Can I Ensure My Claim Is Properly Evaluated?
To ensure your insurance claim accurately reflects the value of your high-grade shingles:
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Maintain Documentation: Keep records of your roof's purchase and installation, including receipts, warranties, and manufacturer's specifications.
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Take Clear Photos: Photograph any damage to your roof clearly, documenting the extent of the damage and the type of shingles involved.
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Communicate Clearly: Maintain clear and consistent communication with your insurance adjuster, addressing any questions or concerns promptly.
Understanding the implications of "high-grade shingle" on your adjuster's report is essential for a successful insurance claim. By being proactive, well-informed, and prepared, you can significantly improve your chances of receiving a fair settlement.
