Best Way to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Metal Roofing Seam Repair For Joints
Roof Replacement and Hail Damage
When you have had the unfortunate experience of severe hail or storm damage to your roof, then you understand the severity of the problem requires immediate attention. Why? A roof leak can 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 can 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 could be in order. If it’s over ten years old and the leaks are widespread then a complete replacement may be necessary. Most will be somewhere in between nonetheless and the decision may need 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 expense. The alternative is to rely on the claims representative 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? 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 fair response to a damaged roof. In the end, the monthly expense 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 extent of damage, determine the validity of the 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 extent of damage. Then, they compose the claim details and supply an internal database for material and labour costs for your geographic location. 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 BIG assumptions the homeowner can miss as they progress through the procedure and it will wind up costing you big bucks in the longer term.
Here are a few considerations:
Let us start with your selection of a roofing repair firm. Since your house is by far your biggest investment and you’ll need the roof to last over a few 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 vs. long term safety risk.) An inexpensive roofing repair provider 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’ll be right back where you started from just this moment, your homeowner insurance carrier will question the age of the roof if it’s too soon and you run a greater chance of your subsequent claim getting denied.
What is the quality or grade of the roofing shingles used to assess your payment? There are numerous options running from very cheap, low-quality shingles, to high-grade/high excellent shingle materials. Which choice is your claims agent choosing? Our bet, is moderate to low because the purchase price is lower, hence the insurance claim payout is lower. And, there are many types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement which makes everyone’s job a lot easier. However, are you aware each kind of shingle has an associated 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 consider 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 because of the way it looks. There are various forms of underlayment that are used dependent 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 correctly and with high-quality materials?
Roof deck fix: If the present roof deck is damaged or rotten it may need to be repaired or completely replaced which could add to the expense of the installation.
What is the best solution?
Before calling your insurance company, you should carefully read through your homeowner’s insurance policy. 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 remain 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 offer a warrantee but what good is a warrantee if you are unable to find the company in a year or two?
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 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 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 the claim handler may ask for certain kinds of evidence before sending out another agent, like photographs 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. She’ll get 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 since this is probably your first roof repair project you are at a disadvantage of the multiple factors and details of the roofing industry. Do you really need to take this on your own or get educated, experienced help 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 may be the smartest choice. When you contact your insurance company about the damage, they’ll schedule an appointment for an insurance adjuster to come to your home and evaluate the damage. The insurance carrier will want to evaluate the damage themselves even if you have a contractor.
Following the insurance adjuster determines the degree of harm, 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 get 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 required to cover the deductible in which he or she consented to pay when the insurance policy was initially purchased. After the roof claim acceptance, you will have a set amount of time to make the necessary roof repairs.
When the work is complete, the insurance carrier 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 initial check did not cover. After receiving the second check, the job should be paid . At this point in the roof damage insurance claim process, the homeowner should have a repaired or new roof, and the expert roof repair contractors should be paid in full for their services.
The final big mistake
Among the other major 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 versus real 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 details and the lifetime of your new roof to consider. Since 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 cases like this, submitting the lowest estimate 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 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 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 company. Experienced roof repair contractors can also provide a quote to repair the damage or replace the roof if necessary. For more information regarding the roofing 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 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 total roof replacement yourself. However, should you not agree with your insurance company’s decision, you have the right to file a dispute. Learn more about why claims are typically denied, what you could do if you receive a denial, and the reason you should speak with roof repair contractors before moving forward.
The insurance claim procedure for roof damage is not always simple. When you submit a claim, there are several 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 company. This person 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 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 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 representative, like photos of the damage. In some instances, roof repairs or replacements may be approved based 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 provider. 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 have not heard back from the insurance provider, follow up with your insurer. If your appeal is denied, you have the option to dispute this action with the insurance company 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 conditions: Many insurance companies reject insurance claims in the event the roof inspection indicates that you have been negligent in your roof maintenance. There’s a high chance 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 already in disrepair, composed of subpar roofing materials, or previous repairs or replacements were shoddy work, it could 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 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 into the essential 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 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 thinking your insurance company will be delighted with your choice to pass on a claim submittal because you are 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’ve kept it repaired and maintained well. After the ten-year mark 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 does not 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 will need to file immediately when hail damages your home. You should also take photos of the damage. Don’t make repairs prior to contacting your insurer, though you might also want to protect the harm with a tarp or a different sort 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 firm that knocks on your door. Once massive damage happens, storm chasing builders from all over the country 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 vanish before work was finalized or perform subpar work that might not be evident until a couple years down the road when you have 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 that a contractor informed you have to be performed or correctly compensates for premium improvements you have 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 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 work as cheaply as possible through subpar materials and shortcuts. Hiring your own contractor means that their incentive is to satisfy you over your insurance company.
Insurance adjusters are those that come out to evaluate hailstorm damage, assess your siding and roof system, examine your hail damage insurance coverage, and determine how much you should get paid to repair your dwelling. The claims adjusters that house insurance companies send are employees of the insurance companies, which is an important thing to understand since it can affect your settlement.
As a worker, the adjuster’s aim is to accurately assess the cause of damage and estimate the cost of the damage. They will look to lessen the amount that the insurance provider must cover while still preserving 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’ll get a replacement or not. They will ask if there is 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 is tough to dispute.
- Count the amount of hail marks within the region of a 10 x 10 ft square.
- Take photos 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 difficult to see.
- Notice 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 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 keep in mind that hail melts. Golf ball-sized hailstones might 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 isn’t just a roof inspection — she’ll remain on the job from claim submittal to final inspection. Not only that, she only works with licensed and bonded roofing companies which means you can rely on their high quality installation and valid roof warrantees.