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 universally agreed-upon definition, 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 navigating insurance claims.
What Characteristics Define a High-Grade Shingle?
Several factors contribute to a shingle being classified as "high-grade":
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Material Composition: High-grade shingles often utilize superior materials. This might include heavier asphalt saturation, fiberglass mats with higher tensile strength, and enhanced polymer modifications to improve flexibility and resistance to cracking. Some may even incorporate advanced mineral granules for enhanced UV protection and aesthetic appeal.
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Warranty: A longer warranty is a strong indicator of a high-grade shingle. Manufacturers typically offer extended warranties (e.g., 30 years or more) only for their premium products, reflecting confidence in their durability and performance.
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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 shingles tested and certified to meet specific wind resistance standards.
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Fire Resistance: High-grade shingles often achieve higher fire-resistance ratings, offering added protection for your home. Check for Class A or Class B fire ratings, which indicate superior fire resistance compared to Class C.
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Impact Resistance: These shingles better resist damage from hail, falling debris, or other impacts. Look for certifications indicating superior impact resistance, such as those from Underwriters Laboratories (UL).
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UV Resistance: High-grade shingles often incorporate enhanced UV protection to prevent premature fading and degradation from sun exposure. This helps maintain the shingle's aesthetic appeal and structural integrity over time.
How Does This Affect Insurance Claims?
The adjuster's notation of "high-grade shingle" can significantly influence your insurance claim. If your roof was damaged and covered by your policy, the adjuster will consider the quality of the shingles in determining the appropriate compensation. A "high-grade" designation might mean:
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Higher Replacement Costs: Replacing high-grade shingles typically costs more than replacing standard shingles, and your insurer will likely cover these higher costs.
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Faster Claim Processing: If the damage is easily identifiable and the shingles are deemed high-grade, the claim process might be smoother and faster.
What if the Adjuster Didn't Specify "High-Grade"?
If the adjuster's report doesn't explicitly mention "high-grade" but you know your shingles are premium, you should:
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Provide Documentation: Gather evidence supporting your claim. This includes the original purchase receipt, manufacturer's literature detailing the shingle's characteristics, and any warranty documentation.
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Contact Your Insurance Company: If you disagree with the adjuster's assessment, contact your insurance company to discuss the discrepancy and present your supporting evidence. You might need to consult with a roofing professional who can verify the shingle's quality.
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Consider a Second Opinion: You may request a second opinion from a qualified independent adjuster to ensure a fair assessment of the damage and the cost of replacement.
Why is this information important for homeowners?
Understanding shingle quality and its impact on insurance claims empowers homeowners. Knowing you have high-grade shingles can provide peace of mind and ensure a more accurate and equitable settlement after damage occurs. Conversely, choosing high-grade shingles during a roof replacement can safeguard your investment and potentially save money in the long run by minimizing repair costs and extending the life of your roof.
This information is for general knowledge and should not be considered professional insurance or legal advice. Always consult with qualified professionals for advice specific to your situation.
