Simplest Way to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Hoppers Roofing And Repair Robert Neil Thompson
Roof Replacement and Hail Damage
If you’ve had the unfortunate experience of severe storm or hail damage to your roof, you know the severity 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 if 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 repair could be in order. If it’s over 10 years old and the leaks are widespread then a complete replacement might be necessary. Most will be somewhere 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 expense. The alternative is to rely on the claims representative working for the exact same company who’s 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. After all, 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 in the claim information, assess the degree of damage, determine the validity of this claim and if your claim is accepted – translate the data into a claim payment. In some cases, the information can be taken over the telephone. Some insurance companies insist on sending a claims professional to the property or paying for a drone to validate the level of damage. Then, they write the claim details and supply an internal database for material and labour 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 huge 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 start with your selection of a roofing repair company. 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 pick the best fit for your biggest investment? Picking a roof repair company solely based on the lowest price might be a tempting solution and you make some gain (the difference between your insurance payment and the cost of roofing repairs), but is that what you need? Can you buy cheapest tires for your vehicle? (Short term gain vs. long term safety risk.) An inexpensive roofing repair company may take short cuts in labor and materials to get the job but you lose in the long run due to cheap materials. In a few years, you will be right back where you started from only this moment, your homeowner insurance company will question the era of the roof if it’s too soon and you run a greater risk 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 quality 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 lower. And, there are lots of types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will choose an identical replacement that makes everyone’s job a lot easier. However, did you know each type of shingle has a related lifespan or ‘longevity score’? Even if you selected an apples-to-apples replacement what is the cost-benefit of a slight upgrade for your dwelling? 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 regarded as the second layer. It is 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 substances, and it is sometimes identified as tar paper because of the way it seems. There are various forms of underlayment that 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 properly and with high-quality materials?
Roof deck fix: If the existing roof deck is damaged or rotten it may have to be repaired or completely replaced that could increase the expense 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 believe that the harm should be covered, locate a third-party roofing advocate to work with you on the whole claim process. Someone who will remain with you from beginning to end unlike the cheaper ‘storm-chasers’ who fall to a neighborhood, provide 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 business in a couple of years?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This isn’t just a roof inspection — she will stay at work from claim submittal to final review. In addition to that, she only works with licensed and bonded 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 some of the damage was overlooked the first time around. Know the claim handler may ask for particular types of proof before sending out another representative, such as photos of the damage. On occasion, 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 help you through the process. 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 since this is likely your first roof repair project you are at a disadvantage of the numerous variables and details of the roofing market. Do you really want to take this on your own or get educated, 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’ll schedule an appointment for an insurance adjuster to come to your house and assess the damage. The insurance company will want to assess the damage themselves even in the event you’ve got a contractor.
After the insurance adjuster decides the degree of damage, you should receive 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 amount needed 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 agreed to pay when the insurance coverage was initially purchased. Following the roof claim approval, you will have a fixed amount of time to make the necessary roof repairs.
When the work is done, 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 pay for any remaining costs that the initial check didn’t cover. After receiving the next test, the job should be paid . At this stage in the roof 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 final big mistake
One of the other big 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 vs actual dealer costs and another dealership is right down the street so why not make them compete?
However, in negotiating a roofing repair pitting one roofer against the other. Unlike a car deal, you’ve got insurance, a deductible, coverage information and the lifetime 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 (that cannot 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 which will require replacement sooner and your upcoming 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 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 useful when providing evidence to the insurance company. 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 alleviate 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 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 need to speak with roof repair contractors before moving forward.
The insurance claim process for roof damage is not always straightforward. When you file a claim, there are numerous people involved in the approval process. 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 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 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 the claim handler may ask for certain types of proof before sending out another agent, like 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 highly evident in the pictures.
The dispute procedure requires the homeowner to file an appeal with the insurance company. When you submit the appeal, ask your insurance company for a resolution date. The rebuttal process isn’t always quick and you may 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 activity with the insurance provider further. You can ask to speak 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 states: 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 prospect of roofing insurance claim denial in case 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, consisting of subpar roofing materials, or prior repairs or replacements were shoddy work, it might result in a rejected claim.
- Delayed Claims: Did you know sometimes, your insurance carrier will refuse to pay 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. As soon as 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 necessary documentation and other items by those deadlines. Don’t procrastinate once you alert the insurance company 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 age discrimination if you like but it may cost you big bucks by believing your insurance company will be delighted with your choice to pass on a claim submittal because you’re trying to extend your roof age. You have 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 markers and with less-than-adequate upkeep, your odds decrease, 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 companies say policyholders need to file promptly when hail damages your home. 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 type of covering.
Most standard policies require filing a claim within one year of discovering that a hail storm damaged 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 contractors from all over the nation set their GPS systems for the affected area and start going door to door trying to signal as much business as quickly as they can by promising potential customers the world. Oftentimes, they disappear before work was finalized or perform subpar work that might not be evident until a few years down the road when you’ve got no means of contacting them again.
DO NOT accept the insurance adjuster’s first offer if it does not fully encompass the scope of work that a contractor informed you needs to be performed or correctly compensates for premium improvements you have made to your home. 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 request a new payout amount.
DO NOT feel forced to use a contractor referred to you by the insurance company. Oftentimes, their motivation is to finish the work as cheaply as possible through subpar menus and materials. Hiring your own builder ensures that their incentive is to satisfy you over your insurance company.
Insurance adjusters are those who come out to evaluate hailstorm damage, assess your siding and roof system, analyze your hail damage insurance coverage, and determine how much you should get paid to repair your home. The claims adjusters that house insurance companies send are employees of the insurance companies, which is an important fact to know since it can impact your settlement.
As an employee, the adjuster’s goal is to accurately evaluate the cause of damage and estimate the price of the damage. They’ll look to minimize the amount that the insurance company 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 looking 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 roofing for any hail damage.
Be armed with overwhelming documented evidence that is hard to dispute.
- Count the number of hail marks within the region of a 10 x 10 ft square.
- Take photographs of your yard, home, and property after the storm, focusing on damaged areas. The more pictures you take, the better. Take many photographs 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 house using binoculars.
- Take photos of the ac 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 may 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 is not just a roof inspection — she will stay 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.