Fastest Steps to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Asphalt Roof Replacement Materials
Roof Replacement and Hail Damage
If you have had the unfortunate experience of severe hail or storm damage to your roof, then you understand the seriousness of the problem demands immediate attention. Why? A roof leak may cause hundreds of inner damages to your home or business far beyond the initial cause of the damaged roof.
Repair or replace?
When leaks occur the first question to ask is if the roof could be repaired or if it should be replaced. If the roof is relatively new and the leaks are easy to repair then a repair may be in order. If it’s over 10 years old and the leaks are widespread then a full replacement may be necessary. Most will be someplace in between nonetheless and the decision may require an expert. Consult a roofer to obtain an inspection and identify your options.
Working with a roofing advocate increases your confidence in obtaining the best repair and solution at the least out-of-pocket cost. The alternative is to rely on the claims agent working for the exact same company who is paying for your own repairs. Call Suzanne for a free inspection. It is in your best interest. Why? Continue reading.
Understanding the Anatomy of a Roof Repair
The first reaction of a homeowner is to call in a claim to their insurance company — a fair response to a damaged roof. In the end, the monthly expense of property insurance is designed to assist homeowners in receiving the roof repaired before more damage occurs. When you call in a claim, it’s their job to take from the claim information, assess the extent of damage, determine the validity of the claim and if your claim is accepted – interpret the information into a claim payment. Sometimes, the information can be taken over the telephone. Some insurance companies insist on sending a claims specialist to the home or paying for a drone to validate the extent of damage. Then, they compose the claim details and source an internal database for material and labor costs for your geographic area. Your check is sent to you to hire a roofing repair company to tear off the old roof, make the repairs and the problem is fixed. Right? Well, there are some huge assumptions the homeowner can miss as they progress through the procedure and it will wind up costing you big bucks in the longer term.
Here are a few considerations:
Let’s begin with your choice of a roofing repair firm. Since your home is by far your biggest investment and you will need the roof to last more than a few years, how should you select the best match for your biggest investment? Choosing a roof repair firm solely based on the lowest cost might be a tempting alternative and you make some gain (the difference between your insurance coverage and the expense of roof repairs), but is that what you need? Would you buy cheapest tires for your vehicle? (Short term profit . long term safety risk.) An inexpensive roofing repair company might take short cuts in materials and labor to get the job but you lose in the long term because of cheap materials. In a couple of years, you will be right back where you started from just this moment, your homeowner insurance carrier will question the era of the roof if it is too soon and you run a greater chance of your subsequent claim getting denied.
What is the grade or quality of the roof shingles used to assess your payment? There are numerous options running from very cheap, low-quality shingles, to high-grade/high excellent shingle materials. Which choice is your claims agent picking? Our bet, is medium to low because the purchase price is lower, hence the insurance claim payout is reduced. And, there are many types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement that makes everybody’s job much easier. However, are you aware each type of shingle has a related lifespan or ‘longevity rating’? Even if you selected an apples-to-apples replacement what is the cost-benefit of a small upgrade for your dwelling? Could adding a few dollars to your investment add years to the lifespan of your roof? Something to consider before you make a repair.
What is the grade or quality of the underlayment used to rate your payment? Underlayment follows the decking and is considered the second layer. It’s a protective layer between any roofing materials used and the deck. Additionally it is meant to provide added insulation, waterproofing and relief from accumulation of roof debris. Underlayment can be made from felt paper or synthetic materials, and it is occasionally identified as tar paper because of the way it seems. There are various forms of underlayment which are used based on the place, weather and environment conditions in a particular region or area.
What about other things like fastener attachments, flashing, vents, gutters and drip edges, etc.? Was everything replaced correctly and with high-quality materials?
Roof deck fix: If the existing roof deck is damaged or rotten it might need to be repaired or completely replaced that could add to the cost of the installation.
What is the best solution?
Before calling your insurance company, you should carefully read through your homeowner’s insurance coverage. If you think that the damage should be covered, locate a third-party roofing advocate to work with you on the entire claim procedure. Someone who will remain with you from beginning to end unlike the cheaper ‘storm-chasers’ who drop to a neighborhood, offer cheap prices and materials and are gone never to be seen again. Sure, some may offer a warrantee but what good is a warrantee if you can’t find the business in a couple of years?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This is not only a roof inspection — she will remain at work from claim submittal to final inspection. In addition to that, she only works with bonded and licensed roofing companies which means that you can depend on their high-quality installation and legitimate roof warrantees. If your first claim is denied, she will advocate for your re-inspection with the insurance adjuster. She may discover that some of the damage was overlooked the first time around. Know that the claim handler may ask for particular types of evidence before sending out another representative, like photos of the damage. In some instances, roof replacements or repairs may be approved based on the photos alone if the extent of the harm is highly evident in the pictures. She’ll find this documentation for you and assist you through the procedure. Again, a fly-by-night company is only interested in getting on to the next roof repair rather than a long-term relationship. Or, you could attempt to negotiate this on your own but because this is probably your first roof repair job you are at a disadvantage of the multiple factors and details of the roofing market. Do you really need to take this on yourself or get knowledgeable, experienced help from an advocate?
A reputable roof repair contractor can offer an accurate estimate. If the quote is more than the cost of your deductible, then filing a roof damage insurance claim may be the best option. When you contact your insurance carrier about the harm, they will schedule an appointment for an insurance adjuster to come to your home and assess the damage. The insurance carrier will want to assess the damage themselves even in the event you’ve got a contractor.
After the insurance adjuster decides the level of damage, you should receive a homeowner summary of damages within a couple of days. If the roof damage insurance claim is accepted, you also need to receive your first check. This first check will only cover half of the amount needed to make the necessary repairs or replacement of the roof. The homeeowner will also be asked to cover the deductible in which he or she agreed to cover when the insurance coverage was originally purchased. Following the roof claim approval, you’ll have a fixed amount of time to generate the necessary roof repairs.
When the work is complete, the insurance carrier will require documentation to show that the money went towards the roof repairs or replacement. After reviewing this information, the homeowner will be sent another check to cover any remaining costs that the first check didn’t cover. After receiving the second test, the job should be paid . At this stage in the roofing damage insurance claim procedure, the homeowner should have a repaired or new roof, and the expert roof repair contractors should be compensated in full for their services.
The final big mistake
One of the other major mistake’s homeowners make is pitching one roofer against another in hopes to find the best price. This might have yielded some positive results when negotiating for a new vehicle. Why? Because everyone knows the game of high mark ups in MSRP versus real dealer costs and another dealership down the street so why not get them to compete?
However, in negotiating a roof repair pitting one roofer against another. Unlike a car deal, you’ve got insurance, a deductible, policy details and the life of your new roof to consider. As there are some many ways for your roofer and insurance claims agent to cut corners, you’ll want to consider the roofers standing and quality of the materials (this cannot be emphasized enough). In this case, submitting the lowest estimate to your insurance provider will result a decrease material costs a.k.a you get a cheaper roof with cheaper materials which will need replacement sooner and your future roof replacement claim could be denied due to low age.
Bottom line: Hiring a professional roof repair contractor such as Suzanne at www. atexasroofingpro. Com to assess the damage before contacting the insurance provider is among the best things you can do. A contractor will have the ability to help determine the specific amount of damage to the roof and what might have caused the damage. This can be useful when providing evidence to the insurance provider. Experienced roof repair contractors can also give a quote to repair the damage or replace the roof if needed. For more information about the roof damage insurance claim procedure or to schedule an inspection, contact a roof repair contractor now.
What to do if your roof claim is refused?
Homeowner’s insurance is designed to relieve the financial stress that comes with roof damage. For many homeowners, submitting a roof damage insurance claim can actually produce stress. When a claim is denied, you might be stuck footing the bill for repairs or a entire roof replacement yourself. However, if you do not agree with your insurance company’s decision, you have the right to submit a dispute. Learn more about why claims are generally denied, what you can do if you receive a denial, and the reason you need to talk with roof repair contractors before moving forward.
The insurance claim process for roof damage isn’t always straightforward. When you submit a claim, there are numerous people involved in the approval procedure. In addition to the homeowner, most insurance claims involve an insurance adjuster who is basically a representative for the insurance company. This individual helps make decisions and eventually cuts the check.
Disputing an Insurance Denial
If your roof damage insurance claim is denied and you do not agree with the decision, contact the insurance company and schedule a re-inspection. In this inspection with the insurance adjuster, have reputable roof repair contractors on-site to document the list of damages along with the adjuster. You may discover that some of the damage was overlooked the first time around. Know the claim handler may ask for certain kinds of proof before sending out another representative, such as photographs of the damage. In some instances, roof replacements or repairs may be approved depending on the photos alone if the extent of the harm is extremely evident in the pictures.
The dispute procedure requires the homeowner to file an appeal with the insurance provider. When you submit the appeal, ask your insurance company for a settlement date. The rebuttal process is not always quick and you might be waiting for a while to hear back. If the deadline passes and you haven’t heard back from the insurance company, follow up with your own insurer. If your appeal is denied, you have the option to dispute this activity with the insurance provider further. You can ask to speak to the business’s superiors or file a complaint with the regulatory agency in your state.
More on how Claims are Denied by Insurance Companies
- Pre-existing states: Most insurance companies reject insurance claims if the roof inspection shows that you have been negligent in your roof maintenance. There is a high prospect of roof insurance claim denial if you have not maintained your roof free from moss and debris, your gutters cleaned, or roof leaks repaired. The current condition of your roof has a lot to do with the adjuster’s decision. If they think the roof was in disrepair, composed of subpar roofing materials, or prior repairs or replacements were shoddy work, it could lead to a rejected claim.
- Delayed Claims: Did you understand sometimes, your insurance company will refuse to cover a roof damage claim if you take too long to report it? Your insurance policy should state the length of time you have for filing a claim for an accident or storm damage. As soon as you report the damage, your insurance agency provides you a set length of time for things to get done. Many insurance claims get denied due to the insured not turning into the necessary documentation and other things by those deadlines. Don’t procrastinate once you alert the insurer of a pending claim or you may pay for the whole cost of repair!
- Old Roofs: Yes, there’s such a thing as an age-related roof case. Call it roof age discrimination if you like but it may cost you big dollars by believing your insurance carrier will be thrilled with your choice to pass on a claim submittal because you are trying to extend your roof . You’ve got the best chance of your insurance company covering repairs, and especially a new roof replacement, if your roof is 10 years old or less, and you have kept it repaired and maintained well. After the ten-year mark and with less-than-adequate upkeep, your chances decrease, though it’s not impossible. You will probably just need to work harder for it. Understand that just because you get denied does not mean it is over. You have every right to fight that decision.
An insurer will often cover the damage minus the deductible.
The Insurance Information Institute (III) and insurance businesses say policyholders need to file immediately when hail damages your dwelling. You also need to take photographs of the damage. Don’t make repairs before contacting your insurance, though you may also need to protect the damage with a tarp or another type of covering.
Most standard policies require filing a claim within one year of discovering a hail storm ruined your roof or other parts of the house.
DO NOT sign with the first company that knocks on your door. Once massive damage occurs, storm chasing builders from all over the nation set their GPS systems for the affected area and begin going door to door trying to sign as much business as quickly as they can by promising potential customers the world. Oftentimes, they disappear before work has been finalized or perform subpar work that might not be evident until a couple years down the road when you’ve got no means of calling them.
DO NOT accept the insurance adjuster’s initial offer if it doesn’t fully encompass the scope of work which a contractor educated you needs to be performed or properly compensates for premium improvements you have made to your dwelling. If the insurance adjuster’s amounts don’t correlate with the improvements that need to be made, you have the right to hire an independent adjuster and submit their findings to your insurance provider and request a new payout amount.
DO NOT feel pressured to use a builder referred to you by the insurance company. Oftentimes, their motivation is to complete the job as cheaply as possible through subpar materials and shortcuts. Hiring your own builder ensures that their incentive is to meet you over your insurance provider.
Insurance adjusters are the people that come out to evaluate hailstorm damage, evaluate your siding and roofing system, analyze your hail damage insurance coverage, and determine how much you should get paid to fix your dwelling. The claims adjusters that house insurance businesses send are employees of the insurance companies, which is an important fact to know since it can impact your settlement.
As a worker, the adjuster’s aim is to accurately assess the cause of damage and estimate the price of the damage. They’ll look to minimize the amount that the insurance provider must cover while still preserving the obligations of the insurance contract. Prepare to deal with your claims adjuster efficiently.
The insurance adjuster always looks for hail impacts. These impacts decide if you will get a replacement or not. They’ll ask if there is any interior damage and analyze your home interior looking for wind and hail damage on siding and downspouts. The adjuster and the contractor will then proceed to the roof and inspect the gutters, gutters covers, and roof for any hail damage.
Be armed with overwhelming documented evidence that’s hard to dispute.
- Count the number of hail marks within the region of a 10 x 10 feet square.
- Take photographs of your yard, home, and property following the storm, focusing on damaged areas. The more pictures you take, the better. Take many photos in the morning and early evening to find the best light; hail damage is often small and difficult to see.
- Note the storm’s time, date, and duration, including when hail damage occurred.
- Look for obvious signs of roofing and siding damage or some other part of the home using binoculars.
- Take photographs of this air conditioning unit as hailstones can cause scratches, blockage of cooling fins, and airflow.
It is important to keep in mind that hail melts. Golf ball-sized hailstones might have hit your house, but if you don’t have any pictures to prove it, then your claim is weaker.
Bottom Line Advice: Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This isn’t only a roof inspection — she’ll stay on the job from claim submittal to final inspection. Not only that, she only works with licensed and bonded roofing companies that means that you can rely on their high-quality installation and valid roof warrantees.