Most Effective Steps to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Did They Patch Firelink Shrine Roof Trick
Roof Replacement and Hail Damage
If you have had the unfortunate experience of severe storm or hail damage to your roof, you understand the seriousness of the problem requires immediate attention. Why? A roof leak can cause thousands 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 whether the roof could be repaired or if it should be replaced. If the roof is relatively new and the leaks are simple to repair then a repair may be in order. If it’s over ten years old and the leaks are widespread then a full replacement may be necessary. Most will be somewhere in between however and the decision may require an expert. Consult a roofer to get an inspection and identify your options.
Working with a roof advocate increases your confidence in obtaining the best repair and solution at the least out-of-pocket expense. The alternative is to rely on the claims representative working for the exact same company who is paying for your own repairs. Call Suzanne for a free inspection. It’s in your best interest. Why? Continue reading.
Understanding the Anatomy of a Roof Repair
The first reaction of a homeowner would be to call in a claim to their insurance company — a reasonable response to a damaged roof. In the end, the monthly cost of property insurance is designed to assist homeowners in receiving the roof repaired before more damage occurs. When you call in a claim, it is 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 – translate the information into a claim payment. Sometimes, the information can be taken over the phone. Some insurance companies insist on sending a claims professional 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 BIG assumptions the homeowner can overlook as they progress through the process and it will end up costing you big bucks in the longer term.
Here are a few considerations:
Let us start with your choice of a roofing repair company. Since your house is by far your biggest investment and you will need the roof to last more than a couple of years, how should you select the best fit for your biggest investment? Picking a roof repair firm solely based on the lowest price might be a tempting alternative and you make some gain (the difference between your insurance payment and the cost of roof repairs), but is that what you need? Would you buy cheapest tires for your automobile? (Short term profit . long term safety risk.) An inexpensive roofing repair provider may take short cuts in materials and labor to get the job but you lose in the long term due to cheap materials. In a couple of years, you will be right back where you started from only this time, 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 rate your payment? There are numerous options running from very cheap, low-quality shingles, to high-grade/high excellent shingle materials. Which option is your claims agent picking? Our bet, is moderate to low because the purchase price is lower, thus the insurance claim payout is reduced. And, there are lots of types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement which makes everyone’s job a lot easier. However, are you aware each type of shingle has an associated lifespan or ‘longevity score’? Even if you selected an apples-to-apples replacement what is the cost-benefit of a small upgrade for your home? Could adding a few dollars to your investment add years to the lifespan of your roof? Something to take into consideration before you make a repair.
What is the quality or grade of the underlayment used to assess 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. It is also meant to provide added insulation, waterproofing and relief from accumulation of roof debris. Underlayment can be made from felt paper or synthetic substances, and it’s occasionally identified as tar paper due to the way it looks. There are various forms of underlayment that are used dependent 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 properly and with high-quality materials?
Roof deck fix: If the existing roof deck is rotten or damaged it might need to be repaired or fully replaced that could increase the cost of the installation.
What is the best solution?
Before calling your insurance provider, you should carefully read through your homeowner’s insurance policy. If you think that the harm should be covered, find a third-party roofing advocate to work with you on the whole claim procedure. Someone who will stay with you from beginning to end unlike the cheaper ‘storm-chasers’ who drop into a neighborhood, offer cheap prices and materials and are gone never to be seen again. Sure, some may provide a warrantee but what good is a warrantee if you can’t find the company in a year or two?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This isn’t only a roof inspection — she will remain on the job from claim submittal to final review. Not only that, she only works with licensed and bonded roofing companies which means you can depend on their high-quality installation and legitimate roof warrantees. If your first claim is denied, she’ll 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 certain kinds of proof before sending out another agent, such as photos of the damage. On occasion, roof replacements or repairs could be approved based on the photos alone if the extent of the harm is highly evident in the images. She will get this documentation for you and assist you through the process. Again, a fly-by-night organization 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 numerous 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 smartest choice. When you contact your insurance company about the harm, they will schedule an appointment for an insurance adjuster to come to your house and evaluate the damage. The insurance carrier will want to evaluate the damage themselves even in the event you have a contractor.
After the insurance adjuster decides the degree of damage, you should be given a homeowner summary of damages within a few days. If the roof damage insurance claim is approved, you should also receive your first check. This first check will only cover half of the total required to make the necessary repairs or replacement of the roof. The homeeowner will also be required to cover the deductible in which he or she consented to pay when the insurance policy was originally purchased. After the roof claim acceptance, you’ll have a fixed amount of time to make the necessary roof repairs.
When the work is done, the insurance company will require documentation to demonstrate that the money went towards the roof repairs or replacement. After reviewing this information, the homeowner will be sent another check to pay for any remaining costs that the first check didn’t cover. After receiving the second test, the job should be paid . At this point in the roofing damage insurance claim process, the homeowner should have a fixed or new roof, and the expert roof repair contractors should be compensated in full for their services.
The last big mistake
Among the other major mistake’s homeowners make is pitching one roofer against the other in hopes to find the best price. This may have yielded some positive results when negotiating for a new automobile. Why? Because everyone knows the game of high mark ups in MSRP vs actual dealer costs and another dealership down the street so why not get them to compete?
However, in negotiating a roofing repair pitting one roofer against another. Unlike a car deal, you’ve got insurance, a deductible, policy details and the life of your roof to take into account. As there are some many ways for the roofer and insurance claims agent to cut corners, you’ll want to take into account the roofers reputation and quality of the materials (this can’t be emphasized enough). In cases like this, submitting the lowest quote to your insurance company will result a decrease material costs a.k.a you get a less expensive roof with cheaper materials which will require replacement sooner and your future roof replacement claim may be denied as a result of low age.
Bottom line: Hiring a professional roof repair contractor like Suzanne at www. atexasroofingpro. Com to assess the damage before contacting the insurance provider is one of 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 may be helpful when providing evidence to the insurance provider. Experienced roof repair contractors can also provide a quote to fix the damage or replace the roof if necessary. To find out more regarding the roof damage insurance claim procedure or to schedule an inspection, contact a roof repair contractor now.
What to do if a roof claim is refused?
Homeowner’s insurance is designed to relieve the financial stress that comes with roof damage. For some 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, should you not agree with your insurer’s decision, you have the right to submit a dispute. Find out more about why claims are generally denied, what you could do if you receive a denial, and the reason you need to talk with roof repair contractors before moving forward.
The insurance claim procedure for roof damage isn’t always simple. When you file a claim, there are several people involved in the approval process. Besides 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 a number of the damage was overlooked the first time around. Know that the claim handler may ask for certain kinds of proof before sending out another representative, like photos of the damage. On occasion, roof repairs or replacements could be approved depending on the photos alone if the extent of the damage is highly evident in the pictures.
The dispute process requires the homeowner to file an appeal with the insurance provider. When you submit an appeal, ask your insurance company for a resolution date. The rebuttal process is not always quick and you may 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 insurer. If your appeal is denied, you have the option to dispute this action with the insurance company further. You may ask to talk 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 chance of roof insurance claim denial in case you have not maintained your roof free from debris and moss, 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, consisting of subpar roofing materials, or previous repairs or replacements were shoddy work, it might result in a rejected claim.
- Delayed Claims: Did you understand sometimes, your insurance carrier will refuse to pay 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. Once you report the damage, your insurance agency gives you a set length of time for things to get done. Many insurance claims get denied due to the insured not turning into the essential documentation and other items by those deadlines. Don’t procrastinate once you alert the insurance company of a pending claim or you could pay for the whole cost of repair!
- Old Roofs: Yes, there’s such a thing as an age-related roof case. Call it roof discrimination if you like but it may cost you big dollars by thinking your insurance carrier will be thrilled with your option to pass on a claim submittal because you’re attempting 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’ve kept it repaired and maintained well. Following the ten-year mark and with less-than-adequate maintenance, your odds decrease, even though it’s not impossible. You will likely just need to work harder for it. Understand that just because you get denied doesn’t mean that 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 promptly when hail damages your home. You should also take photos of the damage. Don’t make repairs prior to contacting your insurance, though you might also want to protect the harm with a tarp or a different type of covering.
Most standard policies require filing a claim within one year of discovering a hail storm damaged your roof or other parts of the house.
DO NOT sign with the first firm that knocks on your door. Once massive damage happens, 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 was finalized or execute subpar work that might not be evident until a few years down the road when you’ve got no way of contacting them again.
DO NOT accept the insurance adjuster’s initial offer if it doesn’t fully encompass the range of work that a contractor educated you needs to be performed or properly compensates for premium improvements you’ve made to your dwelling. If the insurance adjuster’s amounts don’t correlate with the improvements that will need to be made, you have the right to hire an independent adjuster and submit their findings to your insurance company and ask for a new payout amount.
DO NOT feel pressured to use a builder referred to you by the insurance carrier. Oftentimes, their purpose is to complete the job as cheaply as possible through subpar materials and shortcuts. Hiring your own builder ensures that their incentive is to satisfy you over your insurance provider.
Insurance adjusters are those that come out to assess hailstorm damage, evaluate your siding and roof system, analyze your hail damage insurance claim, and determine how much you should get paid to fix your dwelling. The claims adjusters that house insurance companies send are employees of the insurance companies, which is an important thing to understand since it can impact your settlement.
As an employee, the adjuster’s aim is to correctly assess the cause of damage and estimate the price of the damage. They will look to lessen the amount that the insurance company must pay while still preserving the obligations of the insurance contract. Prepare to deal with your claims adjuster effectively.
The insurance adjuster always looks for hail impacts. These impacts decide if you’ll find a replacement or not. They will ask if there’s any interior damage and analyze your home interior searching 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 roofing for any hail damage.
Be armed with overwhelming documented proof that is tough 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 numerous photos in the morning and early evening to get 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 any other part of the home using binoculars.
- Take photos of the air conditioning unit as hailstones can cause scratches, blockage of cooling fins, and airflow.
It’s important to remember that hail melts. Golf ball-sized hailstones may have hit your home, 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 just a roof inspection — she will remain on the job from claim submittal to final inspection. In addition to that, she only works with licensed and bonded roofing companies that means that you can depend on their high-quality installation and valid roof warrantees.