Simplest Steps to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Hutchinson Roofing Contractor, Clayton, Al
Roof Replacement and Hail Damage
When you’ve had the unfortunate experience of severe hail or storm damage to your roof, then you understand 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 whether the roof could be repaired or if it ought to 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 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 need an expert. Consult a roofer to get 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 same company who is paying for your 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 is to call in a claim to their insurance company — a reasonable 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 in the claim information, assess the degree of damage, determine the validity of this claim and if your claim is approved – translate 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 property or paying for a drone to validate the level of damage. Then, they compose 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 huge assumptions the homeowner can miss as they progress through the procedure and it’ll end up costing you big bucks in the longer term.
Here are a few considerations:
Let’s begin with your selection of a roofing repair firm. Since your house is by far your largest investment and you will want the roof to last more than a few 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 solution and you make some gain (the difference between your insurance coverage and the expense of roof repairs), but is that what you need? Can you buy cheapest tires for your vehicle? (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 because of cheap materials. In a few 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’s too soon and you run a higher chance of your subsequent claim becoming denied.
What is the grade or quality of the roof shingles used to rate your payment? There are multiple 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 many types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement that makes everyone’s job much easier. However, are you aware each kind 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 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 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. 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 materials, and it is sometimes identified as tar paper due to the way it looks. There are various forms of underlayment that are used dependent on the location, 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 repair: If the existing roof deck is damaged or rotten it may need 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 coverage. If you believe that the harm should be covered, find a third-party roofing advocate to work with you on the entire claim process. Someone who will remain with you from start to finish unlike the cheaper ‘storm-chasers’ who drop to a neighborhood, provide 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 isn’t only a roof inspection — she’ll 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 legitimate 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 certain kinds of proof before sending out another representative, like photographs of the damage. In some instances, roof replacements or repairs could be approved based on the photos alone if the extent of the harm is extremely evident in the images. She’ll 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 rather than a long-term relationship. Or, you could try to negotiate this on your own but because this is likely your first roof repair project you’re at a disadvantage of the multiple variables and details of the roofing industry. Do you really need to take this on your own or get educated, experienced assistance from an advocate?
A reputable roof repair contractor can offer an accurate estimate. If the estimate 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’ll 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 if you’ve got a contractor.
Following the insurance adjuster decides the level of damage, you should be given a homeowner overview 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 required to make the necessary repairs or replacement of the roof. The homeeowner will also be asked to pay the deductible in which he or she consented to pay when the insurance policy was originally purchased. Following the roof claim acceptance, you will have a fixed amount of time to generate the necessary roof repairs.
Once the work is complete, 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 a second check to cover any remaining costs that the first check did not cover. After receiving the second check, the job should be paid . At this stage in the roofing damage insurance claim procedure, the homeowner should have a fixed or new roof, and the professional roof repair contractors should be paid in full for their services.
The last big mistake
Among the other major 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 automobile. 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 make them compete?
However, in negotiating a roof repair pitting one roofer against the other. Unlike a car deal, you have insurance, a deductible, coverage information and the life of your new roof to take into account. Since there are some many ways for your 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 estimate to your insurance provider will result a lower material costs a.k.a you get a less expensive roof with cheaper materials that 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 among the best things you can do. A contractor will be able 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 about the roof damage insurance claim process or to schedule an inspection, contact a roof repair contractor now.
What to do if a 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 might be stuck footing the bill for repairs or a total 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 generally denied, what you can do if you receive a denial, and why you need to talk with roof repair contractors before moving forward.
The insurance claim procedure for roof damage isn’t always straightforward. When you file a claim, there are several people involved in the approval procedure. Besides the homeowner, most insurance claims involve an insurance adjuster who is essentially 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 don’t agree with the decision, contact the insurance company and schedule a re-inspection. During this review 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 evidence before sending out another agent, such as photos 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 highly evident in the images.
The dispute process requires the homeowner to file an appeal with the insurance company. When you submit an appeal, ask your insurer for a settlement 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 provider, follow up with your own insurer. If your appeal is denied, you have the option to dispute this action with the insurance provider 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 refuse insurance claims if the roof inspection indicates that you have been negligent in your roof maintenance. There’s a high chance of roof insurance claim denial in case you have not kept your roof free from moss and debris, 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 prior repairs or replacements were shoddy work, it might result in a rejected claim.
- Delayed Claims: Did you know sometimes, your insurance company will refuse to pay a roof damage claim if you take too long to report it? Your insurance policy must state the period of time you’ve got 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 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 bucks by thinking your insurance carrier will be thrilled with your choice to pass on a claim submittal since 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. Following 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 doesn’t 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 promptly when hail damages your home. You should also take photographs 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 determining 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 contractors from all over the country set their GPS systems for the affected area and start going door to door trying to sign as much business as fast as they could by promising potential customers the world. Oftentimes, they vanish before work was finalized or perform subpar work that may 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 doesn’t fully encompass the range of work which a contractor educated you have to be performed or correctly 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 then 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 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 meet you over your insurance provider.
Insurance adjusters are the people that come out to assess 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 dwelling. The claims adjusters that home insurance businesses 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 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 pay while still maintaining 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’ll find a replacement or not. They’ll ask if there’s 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 proof that’s hard to dispute.
- Count the amount of hail marks within the area 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 numerous photographs in the morning and early evening to get the best light; hail damage is often small and hard to see.
- Note the storm’s time, date, and length, including when hail damage occurred.
- Look for obvious signs of roof and siding damage or any other part of the home using binoculars.
- Take photos of the ac unit as hailstones can cause dents, blockage of cooling fins, and airflow.
It is important to keep in mind that hail melts. Golf ball-sized hailstones might have hit your home, but if you do not 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’ll 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 you can depend on their high-quality installation and valid roof warrantees.