Fastest Way to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Georgia Roofing And Repair
Roof Replacement and Hail Damage
If you’ve had the unfortunate experience of severe storm or hail damage to your roof, you understand the seriousness of the problem demands 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 can be repaired or if it should be replaced. If the roof is relatively new and the leaks are easy to repair then a fix could be in order. If it’s over ten years old and the leaks are widespread then a complete replacement might 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 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 same company who is 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 reasonable response to a damaged roof. In the end, the monthly cost of property insurance is designed to help 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 approved – interpret the data into a claim payment. In some cases, the information can be obtained 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 write the claim details and supply an internal database for material and labor costs for your geographic area. Your check is sent to you to hire a roofing repair business 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 advance through the process and it will end up costing you big bucks in the longer term.
Here are a few factors:
Let us begin 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 more than a few years, how should you pick the best fit for your biggest investment? Choosing a roof repair firm solely based on the lowest cost might be a tempting solution and you make some profit (the difference between your insurance coverage and the cost of roofing repairs), but is that what you want? Would you buy cheapest tires for your vehicle? (Short term gain vs. long term safety risk.) An inexpensive roofing repair provider may take short cuts in labor and materials to get the job but you lose in the long run because of cheap materials. In a few 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 risk 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 quality shingle materials. Which option is your claims agent choosing? Our bet, is moderate to low because the price is lower, hence the insurance claim payout is reduced. And, there are many kinds of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement that makes everyone’s job a lot 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 home? Could adding a few dollars to your investment add years to the lifespan of your roof? Something to consider before making 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 roof 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 substances, and it’s occasionally identified as tar paper because of the way it seems. There are various forms of underlayment that are used dependent on the place, weather and environment conditions in a specific 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 repair: If the existing roof deck is damaged or rotten it might have to be repaired or fully replaced which could increase the cost of the installation.
What is the best solution?
Before calling your insurance company, you should carefully read through your homeowner’s insurance policy. 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 fall into 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’ll remain at work 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 initial 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 kinds of proof before sending out another agent, like photographs of the damage. In some instances, roof replacements or repairs could be approved depending on the photos alone if the extent of the damage is extremely evident in the pictures. She will find this documentation for you and assist you through the procedure. Again, a fly-by-night company 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 because this is probably your first roof repair job you’re at a disadvantage of the multiple factors and details of the roofing industry. Do you really want to take this on yourself or get knowledgeable, experienced assistance from an advocate?
A reputable roof repair contractor can provide an accurate estimate. If the quote is more than the cost of your deductible, then filing a roof damage insurance claim might be the best option. When you contact your insurance company about the harm, they will schedule an appointment for an insurance adjuster to come to your home and assess the damage. The insurance company will want to evaluate the damage themselves even if 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 approved, you should also get your first check. This first check is only going to cover half of the amount needed to make the necessary repairs or replacement of the roofing. The homeeowner will also be required to pay the deductible in which he or she agreed to pay when the insurance coverage was originally purchased. Following the roof claim approval, you’ll have a fixed amount of time to make the necessary roof repairs.
Once the work is done, the insurance carrier will require documentation to demonstrate that the money went towards the roof repairs or replacement. After reviewing this information, the homeowner will be sent a second check to cover any remaining costs that the initial check didn’t cover. After receiving the second check, the job should be paid in full. At this stage in the roofing damage insurance claim procedure, the homeowner should have a repaired or new roof, and the professional roof repair contractors should be paid in full for their services.
The last big mistake
Among the other big mistake’s homeowners make is pitching one roofer against another in hopes to get 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 vs actual dealer costs and another dealership is right down the road so why not make them compete?
But in negotiating a roof repair pitting one roofer against another. Unlike a car deal, you’ve got insurance, a deductible, coverage information and the life of your roof to take into account. Since 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 company will result a lower 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 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 company 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 may 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. To find out more about the roofing damage insurance claim process or to schedule an inspection, contact a roof repair contractor now.
What to do if your roof claim is denied?
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 could be stuck footing the bill for repairs or a entire roof replacement yourself. However, should you not agree with your insurance company’s decision, you have the right to submit a dispute. Learn more about why claims are typically denied, what you could do if you receive a denial, and why you should speak with roof repair contractors before moving forward.
The insurance claim process for roof damage is not always simple. When you submit a claim, there are several people involved in the approval procedure. In addition to the homeowner, most insurance claims involve an insurance adjuster who is essentially a representative for the insurance carrier. This individual helps make decisions and eventually 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 company and schedule a re-inspection. During 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 that the claim handler may ask for particular types of proof before sending out another agent, like photographs 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 procedure 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 have not heard back from the insurance company, follow up with your own insurer. If your appeal is denied, you have the option to dispute this action with the insurance company further. You can ask to talk to the company’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 reject insurance claims in the event the roof inspection shows that you have been negligent in your roof maintenance. There is a high chance of roofing insurance claim denial if you have not kept 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 already in disrepair, composed of subpar roofing materials, or previous repairs or replacements were shoddy work, it could 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 length of time you have for filing a claim for an accident or storm damage. Once you report the damage, your insurance agency provides you a set length of time for things to get done. Many insurance claims get denied as a result of the insured not turning into the essential documentation and other items by those deadlines. Don’t procrastinate once you alert the insurer 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 claim. Call it roof age discrimination if you prefer but it may cost you big bucks by thinking your insurance carrier will be thrilled with your choice to pass on a claim submittal since you’re trying to extend your roof age. 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 have kept it repaired and maintained well. After the ten-year mark and with less-than-adequate upkeep, your chances decrease, even though it’s not impossible. You will probably 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 usually 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 also need to take photos of the damage. Don’t make repairs before contacting your insurer, though you may also need to protect the damage with a tarp or another sort of covering.
Most standard policies require filing a claim within a 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 country 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 prospective customers the world. Oftentimes, they vanish 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 first offer if it doesn’t fully encompass the scope of work that a contractor educated you needs to be performed or correctly compensates for premium improvements you have 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 provider and ask for a new payout amount.
DO NOT feel forced to use a builder referred to you by the insurance company. Oftentimes, their motivation is to finish 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 the people 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 home. The claims adjusters that home insurance companies 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 evaluate the cause of damage and estimate the cost of the damage. They will look to minimize the amount which the insurance provider must pay while still maintaining the obligations of the insurance contract. Prepare to take care of 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 is 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 go on 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 amount of hail marks within the region of a 10 x 10 ft 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 hard 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 home using binoculars.
- Take photos of this air conditioning unit as hailstones can cause dents, 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 just a roof inspection — she will remain on the job from claim submittal to final inspection. In addition to that, she only works with bonded and licensed roofing companies that means that you can rely on their high-quality installation and valid roof warrantees.