Simplest Way to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Local Roofer Wyomissing
Roof Replacement and Hail Damage
When you have had the unfortunate experience of severe hail or storm damage to your roof, then you know the seriousness of the problem requires 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 simple 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 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 options.
Working with a roof 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’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. After all, the monthly cost of property insurance is designed to assist homeowners in getting the roof repaired before more damage occurs. When you call in a claim, it is 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 – interpret the data into a claim payment. In some cases, the information can be obtained over the telephone. Some insurance companies insist on sending a claims professional to your home or paying for a drone to validate the extent of damage. Then, they compose the claim details and source an internal database for material and labor 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 miss as they progress through the process and it’ll end up costing you big bucks in the longer term.
Here are a few factors:
Let’s start with your selection of a roofing repair firm. Since your house is by far your largest investment and you will need the roof to last more than a couple of 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 alternative and you make some profit (the difference between your insurance coverage and the cost of roof repairs), but is that what you want? Can you buy cheapest tires for your automobile? (Short term gain vs. long term safety risk.) An inexpensive roofing repair provider might take short cuts in materials and labor to get the job but you lose in the long term due to 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 is 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 quality shingle materials. Which option is your claims agent choosing? Our bet, is medium to low because the purchase price is lower, thus the insurance claim payout is reduced. And, there are lots of types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement which makes everybody’s job a lot easier. However, are you aware 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 small upgrade for your dwelling? Could adding a few dollars to your investment add years to the lifespan of your roof? Something to take into consideration before you make a repair.
What is the grade or quality of the underlayment used to assess your payment? Underlayment follows the decking and is considered the second layer. It is a protective layer between any roofing materials used and the deck. Additionally it is 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 is occasionally identified as tar paper because of the way it seems. There are various forms of underlayment that are used based on the location, 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 properly and with high-quality materials?
Roof deck repair: If the present roof deck is damaged or rotten it might need to be repaired or completely replaced which could add to the expense 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 believe that the damage should be covered, locate a third-party roofing advocate to work with you on the whole claim process. Someone who will stay with you from start to finish unlike the cheaper ‘storm-chasers’ who drop to 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 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 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 rely on their high quality installation and legitimate roof warrantees. If your first 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 proof before sending out another representative, such as photographs of the damage. In some instances, roof replacements or repairs could be approved based on the photos alone if the extent of the damage is extremely 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 and not a long-term relationship. Or, you could try to negotiate this on your own but because this is probably your first roof repair project you’re at a disadvantage of the multiple variables 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 quote 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 carrier about the damage, they will schedule an appointment for an insurance adjuster to come to your house and evaluate the damage. The insurance company will want to assess the damage themselves even if you have a contractor.
After the insurance adjuster determines the degree of damage, you should receive a homeowner summary of damages within a couple of days. If the roof damage insurance claim is approved, you also need to receive your first check. This first check is only going to cover half of the total needed 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 agreed to pay when the insurance policy was originally 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 company 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 cover any remaining costs that the first check did not cover. After receiving the next check, the job should be paid in full. 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 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 vs actual dealer costs and another dealership is right down the road so why not get them to compete?
However, in negotiating a roof repair pitting one roofer against another. Unlike a car deal, you have insurance, a deductible, coverage details and the lifetime of your 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 decrease material costs a.k.a you get a cheaper roof with cheaper materials which will need 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 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 may have caused the damage. This can be useful when providing evidence to the insurance provider. Experienced roof repair contractors can also provide a quote to repair the damage or replace the roof if necessary. To find out more regarding 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 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 insurance company’s decision, you have the right to submit a dispute. Find out more about why claims are generally denied, what you can do if you receive a denial, and the reason you should talk with roof repair contractors before moving forward.
The insurance claim process for roof damage is not always straightforward. 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 person 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. In this review with the insurance adjuster, have reputable roof repair contractors onsite to record 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, such as photographs of the damage. On occasion, roof replacements or repairs could be approved depending 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 provider. 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 provider, follow up with your insurer. If your appeal is denied, you have the option to dispute this activity with the insurance provider further. You may ask to speak to the business’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 refuse insurance claims if the roof inspection indicates 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 debris and moss, 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 prior repairs or replacements were shoddy work, it might lead to a rejected claim.
- Delayed Claims: Did you understand sometimes, your insurance company 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’ve got for filing a claim for an accident or storm damage. As soon as 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 necessary documentation and other things by those deadlines. Don’t procrastinate as soon as 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 roof discrimination if you like but it may cost you big dollars by thinking your insurance company will be delighted with your choice to pass on a claim submittal because 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’ve kept it repaired and maintained well. Following the ten-year markers and with less-than-adequate upkeep, your chances decrease, even though it is not impossible. You will probably just have 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 businesses say policyholders will 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 want to protect the harm with a tarp or another sort of covering.
Most standard policies require filing a claim within one year of discovering a hail storm ruined your roof or other areas 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 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 vanish before work has been finalized or execute subpar work that may not be evident until a couple years down the road when you’ve got no way of calling them.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the range of work which a contractor informed you have to be performed or properly compensates for premium improvements you’ve made to your dwelling. If the insurance adjuster’s amounts don’t correlate with the improvements that need to be made, you have the right to hire an independent adjuster and submit their findings to your insurance company and request a new payout amount.
DO NOT feel pressured 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 meet you over your insurance company.
Insurance adjusters are the people who come out to assess hailstorm damage, assess your siding and roofing system, examine your hail damage insurance coverage, and determine how much you should get paid to fix your home. The claims adjusters that house 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 aim is to correctly assess the cause of damage and estimate the price of the damage. They’ll look to lessen the amount which the insurance company must cover while still maintaining 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 find a replacement or not. They’ll ask if there is any interior damage and analyze your house 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 proof that’s tough 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 photographs 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 any other part of the home using binoculars.
- Take photographs of this air conditioning unit as hailstones can cause scratches, blockage of cooling fins, and airflow.
It’s important to keep in mind that hail melts. Golf ball-sized hailstones might 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 isn’t only a roof inspection — she’ll stay 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.