Simplest Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Iam Roofer Pictures
Roof Replacement and Hail Damage
If you have had the unfortunate experience of severe storm or hail damage to your roof, you know the seriousness of the problem requires immediate attention. Why? A roof leak may cause hundreds 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 if the roof could 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 full replacement may be necessary. Most will be somewhere in between however and the decision may require an expert. Consult a roofer to obtain 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 require the claims representative working for the same company who’s paying for your own repairs. Call Suzanne for a free inspection. It is 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 getting 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 degree of damage, determine the validity of this 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 specialist to the home or paying for a drone to confirm the extent of damage. Then, they compose the claim information and source an internal database for material and labour costs for your geographic location. 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 advance through the process and it will wind up costing you big bucks in the longer term.
Here are a few considerations:
Let us begin with your choice of a roofing repair firm. Since your home is by far your largest investment and you will want the roof to last more than a few years, how should you pick the best match for your biggest investment? Choosing a roof repair company solely based on the lowest price could be a tempting solution and you make some profit (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 company might take short cuts in materials and labor to get the job but you lose in the long run due to cheap materials. In a few years, you’ll be right back where you started from only this moment, your homeowner insurance company will question the age of the roof if it’s too soon and you run a higher chance of your subsequent claim becoming denied.
What is the quality or grade of the roof shingles used to assess your payment? There are numerous options running from very affordable, low-quality shingles, to high-grade/high excellent shingle materials. Which option is your claims agent picking? Our bet, is medium to low because the purchase price is lower, thus the insurance claim payout is lower. And, there are many types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will choose an identical replacement that makes everybody’s job a lot easier. However, are you aware each kind 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 small 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 quality or grade of the underlayment used to rate 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 materials, and it is occasionally identified as tar paper due to the way it looks. There are various forms of underlayment which are used based 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 fix: If the existing roof deck is damaged or rotten it might need to be repaired or fully replaced that could increase the expense 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 think that the harm should be covered, locate a third-party roofing advocate to work with you on the entire claim process. Someone who will stay with you from beginning to end unlike the cheaper ‘storm-chasers’ who drop into 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 are unable to 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 inspection. In addition to that, she only works with bonded and licensed roofing companies which means you can depend 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 a number of the damage was overlooked the first time around. Know the claim handler may ask for certain types of evidence before sending out another agent, such as photographs of the damage. On occasion, roof replacements or repairs may be approved depending on the photos alone if the extent of the damage is extremely evident in the pictures. 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 since this is likely your first roof repair job you are at a disadvantage of the multiple variables and details of the roofing market. Do you really need to take this on yourself 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 smartest choice. When you contact your insurance company about the harm, they’ll schedule an appointment for an insurance adjuster to come to your home and assess the damage. The insurance carrier will want to evaluate the damage themselves even in the event you’ve got a contractor.
Following the insurance adjuster decides the degree of damage, you should receive 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 total needed to make the necessary repairs or replacement of the roof. 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 acceptance, you will have a fixed amount of time to generate the necessary roof repairs.
Once 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 a second 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 might have yielded some positive results when negotiating for a new vehicle. Why? Because everyone knows the game of high mark ups in MSRP versus real dealer costs and another dealership is right down the road so why not get them to compete?
However, in negotiating a roofing 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 cannot be emphasized enough). In this case, submitting the lowest quote to your insurance provider 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 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 company 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 can be useful when providing evidence to the insurance company. Experienced roof repair contractors can also give a quote to fix the damage or replace the roof if necessary. To find out more regarding the roof damage insurance claim process or to schedule an inspection, contact a roof repair contractor today.
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 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 entire roof replacement yourself. However, should you not agree with your insurer’s decision, you have the right to submit a dispute. Learn more about why claims are typically denied, what you can do if you receive a denial, and the reason you should speak with roof repair contractors prior to 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 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 do not agree with the decision, contact the insurance company and schedule a re-inspection. In this review with the insurance adjuster, have reputable roof repair contractors on-site to document 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 proof before sending out another representative, such as photos 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.
The dispute procedure requires the homeowner to file an appeal with the insurance company. 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 own insurer. If your appeal is denied, you have the option to dispute this activity 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 states: Most insurance companies reject insurance claims if the roof inspection indicates 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 prior repairs or replacements were shoddy work, it could lead to a rejected claim.
- Delayed Claims: Did you know sometimes, your insurance company 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 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 things by those deadlines. Don’t procrastinate as soon as you alert the insurer of a pending claim or you could pay for the entire cost of repair!
- Old Roofs: Yes, there’s such a thing as an age-related roof claim. Call it roof discrimination if you prefer but it may cost you big bucks by believing 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 have 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 maintenance, your odds decrease, even though it’s not impossible. You will probably just have to work harder for it. Understand that just because you get denied does not mean 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 home. You should also take photographs of the damage. Don’t make repairs before contacting your insurer, though you might also need to protect the harm with a tarp or another sort of covering.
Most standard policies require filing a claim within one year of determining that a hail storm ruined your roof or other areas of the house.
DO NOT sign with the first company 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 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 couple years down the road when you’ve got no way of contacting them again.
DO NOT accept the insurance adjuster’s first offer if it doesn’t fully encompass the scope of work that a contractor informed you have to be performed or properly compensates for premium improvements you’ve 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 builder referred to you by the insurance company. Oftentimes, their motivation is to finish the job as cheaply as possible through subpar menus and materials. Hiring your own contractor means that their incentive is to satisfy you over your insurance company.
Insurance adjusters are those that come out to assess hailstorm damage, assess your siding and roofing system, analyze your hail damage insurance claim, and determine how much you should get paid to repair your home. The claims adjusters that house insurance businesses send are employees of the insurance companies, which is an important fact to understand since it can impact your settlement.
As a worker, the adjuster’s goal is to accurately assess the cause of damage and estimate the cost of the damage. They’ll look to minimize the amount that the insurance company 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 will find a replacement or not. They will 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 proceed to the roof and inspect the gutters, gutters covers, and roofing 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 ft square.
- Take photos 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 roof and siding damage or any other part of the home using binoculars.
- Take photographs of this ac 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 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 only a roof inspection — she’ll remain on the job from claim submittal to final inspection. In addition to that, she only works with licensed and bonded roofing companies which means you can depend on their high-quality installation and valid roof warrantees.