After the March 2025 hailstorm in Owensboro—and with future storms in mind for Bowling Green—many property owners are evaluating better materials for long-term protection. Whether you manage a residential property, office, warehouse, or retail space, choosing impact-resistant products can help you avoid repeated damage. CMS Roofing & Restoration recommends options like fiberglass or impact-resistant asphalt shingles, standing seam metal roofing, triple-pane windows, and heavy-gauge steel gutters. These upgrades not only improve storm resistance but may also lower insurance premiums. Let us help you upgrade before the next big storm hits. #StormDamage #HailstormRepair #RoofReplacement #OwensboroKY #BowlingGreenKY #CommercialRoofing #ResidentialRoofing #DurableRoofing #RoofMaterials

After the March 2025 hailstorm hit Owensboro, KY, many property owners are wondering about out-of-pocket costs for storm damage claims. For both residential homes and commercial properties—think offices, retail stores, and warehouses—these expenses depend on your insurance policy and the extent of hail damage. Typically, deductibles range from $500 to $2,000, but some policies in Kentucky have percentage-based deductibles (1-2% of property value), which can climb higher for larger commercial buildings. Typical Out-of-Pocket Costs Could Include: Your insurance deductible (usually $500–$2,500) Upgrades beyond what insurance covers Code upgrades (bringing your property up to current building codes)—though not always the responsibility of the property owner, as with the right contractor and insurance coverage, this may be fully covered by the insurance carrier Items excluded from coverage Damage to common materials like asphalt shingles, metal roofs, vinyl windows, and aluminum gutters often requires repair or replacement. If your policy is Actual Cash Value (ACV), depreciation could leave you covering more out-of-pocket costs compared to Replacement Cost Value (RCV), which CMS Roofing & Restoration can help you secure. On average, residential owners might pay $1,000-$5,000, while commercial property claims could exceed $10,000, especially if upgrades are needed. Visit www.cmsroofing.com to get a free inspection and understand your costs. #StormDamage #HailstormRepair #InsuranceClaim #OwensboroKY #BowlingGreenKY #CommercialRoofing #ResidentialRoofing #OutOfPocketCosts #RCV #ACV #RoofMaterials #WindowReplacement #GutterRepair

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