




ADVANCED HAIL DETECTION TECHNOLOGY
“The best way to create value in the 21st century is to connect Creativity with Technology.” - Steve Jobs
NO MORE STRESS... NO MORE FRUSTRATION... NO MORE HAIL CLAIM DENIALS!
Roof Recon has partnered with HAILBUSTER™ to offer the first ever advanced hail detection system able to authenticate hail damage with 100% accuracy. How is this possible? Simply put, we have taken the advice from Mr. Jobs statement above and applied it to the property insurance industry, more specifically, damage caused due to hail.
WHY DO INSURANCE COMPANIES WORK SO HARD TO FIND ANY REASON TO DENY YOUR HAIL CLAIM?
One simple reason; MONEY. Based on "preliminary data from NOAA, Texas tops the list of states with the highest incidence of hail in 2024, with predictions indicating that Texas hailstorms likely caused more than $28 billion in property damage during only the first four months of the year". Additionally, "NOAA’s National Weather Service Storm Prediction Center Annual Severe Weather Report Summary reported 6,962 hail events across the United States in 2023, with 1123 hail events in Texas alone. Below are some other noteworthy facts:
In 2023, Texas saw a record-breaking number of residential hail claims:
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More than 10 million homes in Texas were hit by hail that was at least one inch in diameter.
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There were 141 days with large hail (greater than two inches), which is more than any year since 2003.
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Texas led the nation in the number and scale of hail-related weather events. Some notable hail events in Texas in 2023 include:
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A storm in Travis and Williamson counties that caused an estimated $600 million in damage
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A hail event in the Dallas-Fort Worth area that caused an estimated $7 billion to $10 billion in insured damages
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THE SOLUTION IS SIMPLE
If claim denials are on the rise due to the total number of hail-related claims drastically increasing, thus generating higher than predicted claim payouts, precautions should be taken by property owners' to proactively seek out any and all solutions to increase their ability to validate the damage to their property was caused by hail. Over several decades we have worked tirelessly to represent the best interests of our clients. We hired and partnered with structural engineers, public adjusters, anyone that we felt could aid in supporting and validating the legitimate existence of hail damage on the roofing system being examined. More times than not, however, we hit a wall of disappointment and frustration. We achieved many rightful and warranted victories, more than most, but there were always those select handful of denials that drove us crazy and after years of hard-fought claim battles that resulted in a denial when we knew in our hearts and minds it should have been an approval, we decided enough was enough and began our journey to find a solution to the problem.
That is exactly why Roof Recon and HAILBUSTER™ joined forces. Scientifically proven to provide every property owner with the most technologically advanced hail-detection system available. We made it a point to develop a system that was irrefutable regarding the existence of hail damage. In fact, we feel so strongly in our success rate that we have backed it with a 100% ROOF RECON / HAILBUSTER™ claim approval guarantee. ***** If your property sustained damage due to hail and we are not able to secure an approval through your insurance provider, your new roofing system is on us.
Please review the three (3) different programs available below and select whichever option seems best for you, your family and your property. Feel free to contact us via phone, email or chat to answer any questions you may have or to schedule a complimentary, in-home consultation.
SILVER, GOLD AND PLATINUM
MONTHLY MEMBERSHIP PROGRAM DETAILS
SILVER MEMBERSHIP
Your silver membership will consist of real-time storm notifications of any hail event at a single property address via an email. The notification will show the date, time and registered size of the hail. You will also be able to receive a weather history report displaying any past hail events at your property address. You will also be given access to the Roof Recon mobile app through iOS or Android where you will be afforded the opportunity to enroll in Roof Recon's Concierge Program*. After providing some information regarding your insurance policy as it pertains to your insured property, you will receive a welcome kit complete with step-by-step instructions on what to do after a hailstorm and what to expect from Roof Recon and its affiliates to ensure you and your family are protected, and the insurance claim process begins with and maintains the highest level of care. In addition, you are eligible for both a pre-hail season and post-hail season roof inspection complete with a photo library documenting any existing damage or other areas that may be a cause for concern. Lastly, as a silver member you are entitled to receive contractor (wholesale) pricing on construction materials, including but not limited to, upgraded roofing systems, radiant barrier insulation, solar technologies, including solar powered attic vents and other green/energy saving equipment.
GOLD MEMBERSHIP
Your gold membership consists of everything in the "silver" plan plus the following:
Real-time storm notifications on multiple residential and single commercial property address search via email. Eligibility for 0% interest property deductible financing program**. Complimentary roofing system upgrade to a Class 3 or Class 4 hail resistant roofing system. *** This includes receipt of a filled out and signed, "Texas Department of Insurance (TDI) Impact-Resistant Roofing Installation Form", # PC068. Roof Recon will submit this document on behalf of the contractor and property owner to the property owner's insurance company in order to apply for a discount on the insured's property insurance policy. The average discount based on previous members disclosing their savings after their free upgrade to an Impact-Resistant roof being installed was 30% off their total property insurance premium. Results will vary per member and per insurance provider.
PLATINUM MEMBERSHIP - RESIDENTIAL
Your platinum residential membership consists of everything in the "gold" plan plus the following:
Real-time storm notifications on unlimited residential, commercial and multi-family property address searches via email. Complimentary enrollment into the deductible credit savings account program ****. This allows a portion of the monthly membership expense to be set aside for the property owner to be used as a credit towards their property deductible. As a platinum member you will also receive the complete Hail-Buster Technology, advanced hail detection system, complete with installation, absolutely FREE. A $2,495.00 Value! Once installed, photos, including serial numbers, will be submitted to your insurance company for their records. Post hail event laboratory analysis along with a detailed report validating the hail damage to your property will be submitted to your insurance provider on your behalf by Roof Recon. This report will include irrefutable, scientific evidence to support the conclusion that a hail event occurred at the property in question and a full roof replacement is warranted. As a result, as a platinum member, your plan will include the Roof Recon / Hail-Buster Claim Approval Guarantee. *****
PLATINUM MEMBERSHIP - COMMERCIAL / MULTI-FAMILY
Your platinum commercial/multi-family membership consists of everything in the "platinum residential" plan plus the following:
Membership applies to all buildings located within the property address per the county of the property's location and as identified by said county's appraisal district data. Congruently, the cost of membership is a per building amount and will be adjusted based on the total number of buildings located on said property. For example, if there is an apartment complex that is participating in the program and there are fifteen (15) buildings on the property, the total monthly cost of membership would be $1,335.00. (15 Buildings X $89 per building) Additionally, each building would be eligible to be enrolled in the "deductible credit savings account program ****. Based on the previous example, the member would be eligible to save a total per month of $667.50. ($89 monthly membership X 50% = $44.50 deductible credit per building X 15 Buildings) On commercial buildings larger that 10,000 SF, total monthly membership will be determined based on groups of four (4) Hail-Buster hail detection panel systems. For example, in order to maximize efficiency for gathering hail damage data when a storm strikes a potential property, a 10,000 SF building would need eight (8) panels or two (2) Hail-Buster hail detection panel systems. As a result, total monthly membership for a 10,000 SF building would be $178 per month. (Two (2) systems X $89 per system) The "deductible credit savings program" for this example would allow for a total monthly savings eligibility of $89 per month. Please speak with a representative for full details and to answer any additional questions. Each commercial / multi-family platinum membership will consist of a customized quote that will itemize and detail the monthly membership payment amount.
ALL PROGRAM TERMS AND CONDITIONS
SEE ROOF RECON CLAIM APPROVAL GUARANTEE BELOW
* Roof Recon's Concierge Program - Included in your "Welcome Kit" and consisting of the following:
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Concierge manual introducing you to your personal concierge and providing step-by-step instructions on what to expect and what to do in the event a hailstorm damages your property.
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A magnet (for metal front doors) and also a door hanger (for non-metal front doors) displaying that you are working with Roof Recon regarding the hail damage and no other contractors need bother you. (Our clients LOVE this feature as it helps eliminate the nonstop door knocking and doorbell ringing from dozens and dozens of roofing contractors that occurs right after a hailstorm is registered for an area.
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A professional yard-sign to display in your front yard. This also acts as a deterrent towards the storm-chasing roofers that flood an area right after a hailstorm.
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Access to the Roof Recon mobile app via iOS or Android along with instructions to register in the client portal.
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An assortment of what we like to refer to as, "GOODIES"! 😀
** 0% Interest Property Deductible Financing Program - Included in the gold membership; three (3), six (6) or twelve (12) month term option(s), with a zero percent interest (0%) financing program is available to assist property owners that are in need of paying their deductible over an extended period of time. The first payment will be due upon the conclusion of the construction trades identified in the contract between roof recon and the insured. No credit check is required. A one hundred percent (100%) total loss based on a full replacement cost value (RCV) policy is required. Actual Cash Value (ACV) insurance policies do not qualify. Offer only valid through Roof Recon and all work is completed by a contractor from their approved general contractor list. Insured will be required to sign a separate contract and agree to monthly auto-payments from a bank/credit union debit card or checking / savings account. Credit cards may also be used for payment, but an additional processing fee will be added to the total amount. Additional processing fee may vary based upon the type of credit card provided. Roof Recon accepts Visa, Mastercard, and American Express.
*** Complimentary Impact Resistant (IR) Roofing System Upgrade - This program only applies towards property owners with existing asphalt shingle roofing systems designated as a twenty (20) year, (3-tab) or standard thirty (30) year architectural asphalt shingle. Based upon the existing designation, the property owner will receive a complimentary upgrade one level above, to a UL Class 3 or UL Class 4 Impact Resistant (IR) architectural asphalt shingle. A one hundred percent (100%) total loss based on a full replacement cost value (RCV) policy is required. Actual Cash Value (ACV) insurance policies do not qualify. Offer only valid through Roof Recon and all work is completed by a contractor from their approved general contractor list.
**** Complimentary enrollment into the Deductible Credit Savings Account program - Included in the platinum membership; twenty-five percent (25%) of the monthly platinum membership value will be automatically set aside each month and saved to be credited back to the property owner to assist in offsetting their total deductible amount on their property claim. In addition, Roof Recon will match an additional twenty-five percent (25%) of the monthly platinum membership value to be set aside each month. Total Deductible Credit Savings Account program eligibility is fifty percent (50%) of the monthly platinum membership amount. The additional twenty-five percent (25%) match is contingent upon property owner/insured securing/maintaining a Replacement Cost Value (RCV) property insurance policy and the claim is designated as a "total loss". Actual Cash Value (ACV) insurance policies or partial loss approvals do not qualify for the additional twenty-five (25%) deductible credit match. Credit savings will continue to accrue until an insurance property claim is submitted and approved due to hail damage and the deductible credit savings can be applied. Insured will be responsible for 100% of the difference remaining between the total claim deductible and the total credit savings applied. Should the total credit savings balance accumulated in the program become greater than the total deductible amount listed on an approved property claim paperwork, the amount credited from the savings program will equal the total amount of the deductible on the approved claim paperwork and the remaining balance will remain in the credit savings program to go towards a future property claim. Should the insured choose to cancel the platinum membership at any time, any funds accumulated in the credit savings program will be forfeited by the insured and retained by Roof Recon.
Based on the example above, the insured was able to accumulate $623.00 in their Credit Savings account and as a result, saved approximately twenty percent (20%) of their total deductible amount.
***** Roof Recon / Hail-Buster Claim Approval Guarantee - How confident are we that the new Hail-Buster technology with advanced hail detection system is all you will ever need to ensure a property claim approval due to hail damage from your property insurance provider? So sure, that we are willing to back it up with an approval guarantee.
Should your property claim meet all of the criteria as described below and still get denied by your insurance company, Roof Recon will pay to have your hail damaged roof replaced. You will only be responsible for your property insurance deductible as listed in your property insurance policy for hail damage. That's exactly the same financial responsibility you would have had if the claim was approved. PLUS, you can still apply the total deductible credit savings earned towards your deductible. Yes, you read correctly.
Approval Guarantee Criteria / Terms and Conditions:
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Your current roofing system is either a 20/25 year (3-tab) or standard 30-year architectural asphalt shingle. Impact Resistant (IR) asphalt shingles or any other type of roofing system are not included and do not qualify for this program.
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You currently do not have solar panels that cover more than fifty percent (50%) of your roofing surface on your main dwelling. Any detached structures are required to meet the same criteria.
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Qualifying Hail Event - A hail event producing a minimum of 1.85" in diameter hail stones, falling for a timeframe/duration not less than fifteen (15) minutes, and must have occurred at the exact address as listed on the insureds property insurance policy. This must be verified by a recognized and legitimate weather data provider for hail damage related storms.
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Insured must have had at the time of the hail event and continued to maintain a Replacement Cost Value (RCV) policy. Actual Cost Value (ACV) policies are not eligible for this program.
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The insureds policy must have been current, active and in good standing at the time/date of the hail event, at the time the claim is filed and throughout the entire property claim process.
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A hail event must have occurred within the timeframe that allows a claim to be filed in order to meet all of the property claim requirements of the insured's insurance provider as defined in their policy and/or insurance providers website or other literature provided that defines said claim submission parameters.
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The entire roofing system must be included and fully covered by the insured's insurance carrier. For example, if the roofing system is excluded in the insured's property insurance policy for any reason, such as but not limited to, the age of the roof, then that particular roofing system is excluded and does not qualify for this guarantee.
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If the insured received funds of any kind from a previous filing of a property insurance claim due to storm damage of their roofing system and chose to for whatever reason, not to complete the work, thus disqualifying them to receive an additional approval and funds for a new hail claim filed as it relates to this guarantee, that would void any eligibility towards the current claim filing and the insured would not qualify for this approval guarantee program.
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The insured's platinum membership account must have been current, active and in good standing at the time/date of the hail event, at the time the claim is filed and throughout the entire property claim process.
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Should the insured do anything, whether intentional or unintentional that may be construed as impeding, either towards Roof Recon or the insurance provider in question at any time throughout the insurance claim process, thus hindering the insurance carrier's ability to process and approve the claim, the insured will be disqualified from this guarantee.
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The zero percent (0%) property deductible financing program is not eligible in conjunction with the Roof Recon / Hail-Buster Claim Approval Guarantee.
Example 1:
Home Value = $300,000.00
(1% Deductible)
Total Deductible = $3,000.00
Deductible Credit Applied = ($623.00)
Remaining Deductible Bal.= $2,377.00
Platinum Membership / Mo. = $89.00
Deductible Savings Credit / Mo. = $22.25 (25%)
Roof Recon Savings Match / Mo. = $22.25 (25%)
Total Credit Savings / Mo. = $44.50 (50%)
Total Number of Months in program = 14 months
Total Deductible Credit Savings Earned = $623.00



