Fastest Process to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Lexus Sc430 Roof Repair Information
Roof Replacement and Hail Damage
If you’ve had the unfortunate experience of severe storm or hail damage to your roof, then you understand the seriousness of the problem demands immediate attention. Why? A roof leak may cause thousands 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 easy to repair then a repair could be in order. If it’s over ten years old and the leaks are widespread then a full replacement might be necessary. Most will be someplace in between however and the decision may require an expert. Consult a roofer to obtain 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 cost. The alternative is to require 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? 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 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 the claim and if your claim is approved – translate the information into a claim payment. In some cases, 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 write the claim details 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 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 progress through the procedure and it will end up costing you big bucks in the longer term.
Here are a few considerations:
Let’s start with your selection of a roofing repair company. Since your home is by far your biggest investment and you’ll want the roof to last more than a couple of years, how should you select the best match for your biggest investment? Picking a roof repair firm solely based on the lowest price could 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? Would you buy cheapest tires for your automobile? (Short term gain . long term safety risk.) An inexpensive roofing repair provider 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 moment, your homeowner insurance carrier will question the era of the roof if it’s too soon and you run a greater risk of your subsequent claim becoming denied.
What is the quality or grade of the roofing shingles used to rate your payment? There are multiple options running from very affordable, 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, thus 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 everybody’s job a lot easier. However, did you know 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 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 intended to provide added insulation, waterproofing and relief from accumulation of roof debris. Underlayment can be made from felt paper or synthetic materials, and it’s sometimes identified as tar paper due to the way it seems. There are various sorts of underlayment that are used based on the location, environment and weather 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 fix: If the existing roof deck is rotten or damaged it might have to be repaired or completely replaced which could add to the cost of the installation.
What’s the best solution?
Before calling your insurance company, you should carefully read through your homeowner’s insurance coverage. If you think that the damage should be covered, find 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 into a neighborhood, offer 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 year or two?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This isn’t just a roof inspection — she’ll stay on the job from claim submittal to final inspection. 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 legitimate roof warrantees. If your initial claim is denied, she’ll 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 certain kinds of evidence before sending out another agent, such as photographs 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 organization is only interested in getting on 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 are at a disadvantage of the numerous factors and details of the roofing market. 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 carrier about the harm, they will schedule an appointment for an insurance adjuster to come to your house and assess the damage. The insurance carrier will want to assess the damage themselves even if you’ve got a contractor.
After the insurance adjuster decides the level of damage, you should be given a homeowner summary 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 asked to cover the deductible in which he or she consented to pay when the insurance policy was originally purchased. After the roof claim approval, you’ll have a fixed amount of time to generate the necessary roof repairs.
When the work is complete, 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 first 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 process, the homeowner should have a repaired or new roof, and the professional roof repair contractors should be compensated in full for their services.
The final big mistake
One of the other major mistake’s homeowners make is pitching one roofer against another in hopes to find the best price. This may 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 make them compete?
But in negotiating a roofing repair pitting one roofer against another. Unlike a car deal, you have insurance, a deductible, coverage details and the lifetime of your new roof to consider. Since there are some many ways for your 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 cases like this, 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 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 can be helpful when providing evidence to the insurance provider. Experienced roof repair contractors can also give a quote to fix the damage or replace the roof if needed. To find out more regarding the roof damage insurance claim procedure or to schedule an inspection, contact a roof repair contractor now.
What to do if a 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 could be stuck footing the bill for repairs or a entire roof replacement yourself. However, if you do not agree with your insurer’s decision, you have the right to file a dispute. Find out 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 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 process. Besides the homeowner, most insurance claims involve an insurance adjuster who is essentially a representative for the insurance carrier. This person helps make decisions and finally 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 inspection 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 a number 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 representative, such as photos of the damage. In some instances, roof replacements or repairs may be approved based on the photos alone if the extent of the damage is highly evident in the images.
The dispute procedure 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 may be waiting for a while to hear back. If the deadline passes and you haven’t 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 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: Most insurance companies refuse 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 if 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 already in disrepair, consisting of subpar roofing materials, or previous repairs or replacements were shoddy work, it might lead to a rejected claim.
- Delayed Claims: Did you understand sometimes, your insurance carrier will refuse to pay a roof damage claim if you take too long to report it? Your insurance policy should 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 provides you a set length of time for things to get done. Many insurance claims get denied due to the insured not turning into the necessary documentation and other things by those deadlines. Don’t procrastinate once you alert the insurance company of a pending claim or you could pay for the whole 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 company will be delighted with your option to pass on a claim submittal since you are attempting 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. Following the ten-year markers and with less-than-adequate maintenance, 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 does not 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 businesses say policyholders need to file immediately when hail damages your dwelling. You should also take photographs of the damage. Don’t make repairs prior to contacting your insurance, though you may also want to protect the damage with a tarp or a different type of covering.
Most standard policies require filing a claim within a year of determining that a hail storm damaged your roof or other areas 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 nation set their GPS systems for the affected area and begin going door to door trying to signal as much business as fast as they can by promising potential customers the world. Oftentimes, they disappear before work has been finalized or execute subpar work that might not be evident until a few years down the road when you have no way of calling them.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the range of work that a contractor educated you have to be performed or properly compensates for premium improvements you’ve 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 then submit their findings to your insurance provider and request a new payout amount.
DO NOT feel pressured to use a contractor referred to you by the insurance carrier. Oftentimes, their purpose is to finish 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 that come out to assess hailstorm damage, assess your siding and roof system, examine 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 thing to know since it can affect your settlement.
As a worker, the adjuster’s goal is to accurately evaluate the cause of damage and estimate the price of the damage. They’ll look to lessen the amount which the insurance provider must cover while still preserving the obligations of the insurance contract. Prepare to take care of 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 examine 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 evidence that is hard to dispute.
- Count the number of hail marks within the area of a 10 x 10 feet square.
- Take photographs 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 hard to see.
- Notice the storm’s time, date, and length, including when hail damage occurred.
- Look for obvious signs of roofing 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 remember that hail melts. Golf ball-sized hailstones may have hit your house, but if you do not 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’ll remain on the job from claim submittal to final inspection. Not only that, she only works with bonded and licensed roofing companies that means you can depend on their high-quality installation and valid roof warrantees.