Most Effective Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Estimate Asphalt Roof Shingles
Roof Replacement and Hail Damage
If you’ve had the unfortunate experience of severe hail or storm damage to your roof, you understand the seriousness of the problem demands immediate attention. Why? A roof leak may cause hundreds of internal 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 can be repaired or if it should be replaced. If the roof is relatively new and the leaks are simple to repair then a fix may be in order. If it’s over 10 years old and the leaks are widespread then a complete 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 choices.
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 require the claims representative working for the same company who’s paying for your own repairs. Call Suzanne for a free inspection. It’s in your best interest. Why? Read on.
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 fair response to a damaged roof. After all, 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 degree of damage, determine the validity of the claim and if your claim is approved – interpret the data into a claim payment. Sometimes, the information can be taken over the telephone. 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 information 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 miss as they progress through the procedure and it’ll wind up costing you big bucks in the longer term.
Here are a few factors:
Let us start with your choice of a roofing repair company. Since your home is by far your biggest investment and you’ll need the roof to last over a couple of years, how should you select the best match for your biggest investment? Choosing a roof repair firm solely based on the lowest cost could be a tempting alternative and you make some profit (the difference between your insurance coverage and the cost of roof repairs), but is that what you need? Would you buy cheapest tires for your automobile? (Short term profit vs. long term safety risk.) An inexpensive roofing repair company might take short cuts in labor and materials to get the job but you lose in the long term because of cheap materials. In a couple of years, you’ll be right back where you started from just this time, your homeowner insurance carrier will question the era of the roof if it is too soon and you run a higher chance of your subsequent claim getting denied.
What is the grade or quality of the roofing 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 option is your claims agent choosing? Our bet, is medium to low because the purchase price is lower, thus 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, did you know each type of shingle has an associated lifespan or ‘longevity rating’? Even if you selected an apples-to-apples replacement what is the cost-benefit of a slight upgrade for your home? Could adding a few dollars to your investment add years to the life span of your roof? Something to take into consideration 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 is a protective layer between any roof materials used and the deck. It is also intended to provide added insulation, waterproofing and relief from accumulation of roof debris. Underlayment can be made from felt paper or synthetic substances, and it is occasionally identified as tar paper due to the way it looks. There are various forms of underlayment which are used dependent on the location, environment and weather conditions in a specific 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 repair: If the existing roof deck is rotten or damaged it might have to be repaired or fully replaced which could add to the expense of the installation.
What’s the best solution?
Before calling your insurance provider, you should carefully read through your homeowner’s insurance coverage. If you believe that the harm should be covered, find 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 fall 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 just a roof inspection — she will remain on the job from claim submittal to final inspection. Not only that, she only works with bonded and licensed roofing companies which means that you can rely on their high quality installation and valid roof warrantees. If your first claim is denied, she will advocate for your re-inspection with the insurance adjuster. She may discover that a number of the damage was overlooked the first time around. Know that the claim handler may ask for certain types of proof before sending out another agent, such as photographs of the damage. In some instances, roof repairs or replacements may be approved based on the photos alone if the extent of the harm is highly evident in the pictures. She will find this documentation for you and assist you through the procedure. Again, a fly-by-night organization is only interested in getting to the next roof repair and not a long-term relationship. Or, you could attempt to negotiate this on your own but since this is likely your first roof repair project you’re at a disadvantage of the numerous variables and details of the roofing industry. Do you really need to take this on your own or get knowledgeable, experienced help from an advocate?
A reputable roof repair contractor can provide an accurate estimate. If the estimate 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 carrier about the harm, they will schedule an appointment for an insurance adjuster to come to your house and assess the damage. The insurance company will want to evaluate the damage themselves even in the event you have a contractor.
After the insurance adjuster determines the degree of damage, you should receive a homeowner overview 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 amount required 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 consented to pay when the insurance policy was initially purchased. After the roof claim approval, you’ll have a set amount of time to generate the necessary roof repairs.
Once the work is complete, the insurance company 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 pay for any remaining costs that the initial check didn’t cover. After receiving the second test, the job should be paid in full. At this point in the roofing damage insurance claim procedure, the homeowner should have a fixed or new roof, and the expert roof repair contractors should be paid in full for their services.
The last big mistake
One of the other major mistake’s homeowners make is pitching one roofer against the other in hopes to get 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 versus real dealer costs and another dealership is right down the street so why not get them to compete?
However, in negotiating a roofing repair pitting one roofer against the other. Unlike a car deal, you’ve got insurance, a deductible, coverage details and the life of your new roof to consider. As there are some many ways for the roofer and insurance claims agent to cut corners, you’ll want to consider the roofers standing and quality of the materials (this can’t be emphasized enough). In this case, submitting the lowest estimate to your insurance provider will result a lower material costs a.k.a you get a cheaper roof with cheaper materials that will require replacement sooner and your future roof replacement claim could be denied due to low age.
Bottom line: Hiring a professional roof repair contractor like Suzanne at www. atexasroofingpro. Com to assess the damage before contacting the insurance company is one of the best things you can do. A contractor will be able to help determine the specific amount of damage to the roof and what may have caused the damage. This may be helpful when providing evidence to the insurance company. Experienced roof repair contractors can also provide a quote to repair the damage or replace the roof if necessary. For more information about the roof damage insurance claim process or to schedule an inspection, contact a roof repair contractor today.
What to do if your roof claim is refused?
Homeowner’s insurance is designed to alleviate 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 total roof replacement yourself. However, should you not agree with your insurer’s decision, you have the right to file a dispute. Learn 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 prior to moving forward.
The insurance claim process for roof damage isn’t always simple. When you submit a claim, there are several people involved in the approval process. 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 finally cuts the check.
Disputing an Insurance Denial
If your roof damage insurance claim is denied and you don’t agree with the decision, contact the insurance carrier and schedule a re-inspection. During this review with the insurance adjuster, have reputable roof repair contractors onsite to record the list of damages in addition to the adjuster. You may discover that some of the damage was overlooked the first time around. Know that the claim handler may ask for certain kinds of evidence before sending out another representative, such as photos of the damage. In some instances, roof repairs or replacements could be approved depending on the photos alone if the extent of the damage is extremely 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 isn’t 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 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 conditions: Many insurance companies refuse insurance claims if the roof inspection indicates that you have been negligent in your roof maintenance. There’s a high prospect of roof insurance claim denial if you have not maintained your roof free from debris and moss, your gutters cleaned, or roof leaks repaired. The current state of your roof has a lot to do with the adjuster’s decision. If they think the roof was already 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 cover a roof damage claim if you take too long to report it? Your insurance policy must state the period 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 as a result of the insured not turning in the essential documentation and other items by those deadlines. Don’t procrastinate as soon as you alert the insurer of a pending claim or you may pay for the entire cost of repair!
- Old Roofs: Yes, there is such a thing as an age-related roof case. Call it roofing discrimination if you like but it may cost you big dollars by thinking your insurance carrier will be delighted 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 insurer 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. After the ten-year markers and with less-than-adequate upkeep, your chances decrease, even though it’s not impossible. You will likely just have to work harder for it. Understand that just because you get denied does not 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 companies say policyholders need to file promptly when hail damages your dwelling. You should also take photos of the damage. Don’t make repairs prior to contacting your insurer, 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 a year of discovering that a hail storm ruined your roof or other parts of the house.
DO NOT sign with the first firm that knocks on your door. Once massive damage occurs, storm chasing contractors from all over the country set their GPS systems for the affected area and begin going door to door trying to signal as much business as quickly as they could by promising prospective customers the world. Oftentimes, they vanish before work was finalized or perform subpar work that might not be evident until a couple years down the road when you have no way of calling them.
DO NOT accept the insurance adjuster’s first offer if it doesn’t fully encompass the scope of work that a contractor informed you needs to be performed or properly compensates for premium improvements you have made to your home. If the insurance adjuster’s amounts do not 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 company and ask for a new payout amount.
DO NOT feel forced to use a builder referred to you by the insurance carrier. Oftentimes, their motivation is to complete the job as cheaply as possible through subpar materials and shortcuts. Hiring your own contractor means that their incentive is to satisfy you over your insurance provider.
Insurance adjusters are those who come out to assess hailstorm damage, evaluate your siding and roof system, examine your hail damage insurance coverage, and determine how much you should get paid to fix your dwelling. The claims adjusters that home insurance businesses send are employees of the insurance companies, which is an important thing to know since it can affect your settlement.
As an employee, the adjuster’s goal is to correctly assess the cause of damage and estimate the cost of the damage. They’ll look to lessen the amount that the insurance provider must cover 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 get a replacement or not. They’ll ask if there’s any interior damage and analyze your house 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 roof for any hail damage.
Be armed with overwhelming documented proof that is hard to dispute.
- Count the number of hail marks within the area of a 10 x 10 feet square.
- Take photos 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 get the best light; hail damage is often small and difficult to see.
- Notice the storm’s time, date, and duration, including when hail damage occurred.
- Look for obvious signs of roof and siding damage or some other part of the house using binoculars.
- Take photos of this ac unit as hailstones can cause scratches, blockage of cooling fins, and airflow.
It’s important to keep in mind that hail melts. Golf ball-sized hailstones might have hit your home, but if you don’t have any photos 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 you can rely on their high quality installation and valid roof warrantees.