Simplest Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Quality Roofer In Ocala Fl
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 requires immediate attention. Why? A roof leak can 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 whether the roof can be repaired or if it ought to be replaced. If the roof is relatively new and the leaks are easy to repair then a fix may 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 someplace in between however and the decision may need an expert. Consult a roofer to obtain 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 cost. The alternative is to require the claims agent working for the exact same company who is paying for your 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 cost of property insurance is designed to assist homeowners in receiving 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 extent of damage, determine the validity of the claim and if your claim is approved – interpret 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 professional to your property or paying for a drone to confirm the extent of damage. Then, they compose the claim details and supply 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 huge assumptions the homeowner can miss as they advance through the procedure and it’ll end up costing you big bucks in the longer term.
Here are a few considerations:
Let us start with your choice of a roofing repair company. Since your house is by far your biggest investment and you will need the roof to last over a couple of years, how should you pick the best fit for your biggest investment? Picking a roof repair firm solely based on the lowest cost could be a tempting solution and you make some profit (the difference between your insurance payment and the expense of roofing repairs), but is that what you need? Can you buy cheapest tires for your vehicle? (Short term profit 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 will be right back where you started from only this moment, your homeowner insurance company will question the age of the roof if it is too soon and you run a greater chance of your subsequent claim getting denied.
What is the grade or quality of the roof 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 choosing? Our bet, is moderate to low because the price is lower, hence the insurance claim payout is lower. And, there are many kinds of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will choose an identical replacement that makes everyone’s job much easier. However, are you aware each type of shingle has an associated lifespan or ‘longevity score’? Even if you selected an apples-to-apples replacement what is the cost-benefit of a slight upgrade for your dwelling? Could adding a few dollars to your investment add years to the life span of your roof? Something to consider before making a repair.
What is the grade or quality of the underlayment used to assess your payment? Underlayment follows the decking and is regarded as the second layer. It’s a protective layer between any roofing materials used and the deck. Additionally it is meant to provide added insulation, waterproofing and relief from accumulation of roof debris. Underlayment can be made from felt paper or synthetic substances, and it’s occasionally identified as tar paper due to the way it looks. There are various forms of underlayment which 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 might have to be repaired or completely replaced which could add to the cost of the installation.
What is the best solution?
Before calling your insurance provider, 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 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 can’t find the company in a year or two?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This is not just a roof inspection — she will stay at work from claim submittal to final inspection. Not only 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 particular kinds of proof before sending out another agent, like 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 images. She’ll get this documentation for you and help you through the procedure. Again, a fly-by-night company 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 multiple variables and details of the roofing industry. Do you really want to take this on yourself or get educated, experienced assistance from an advocate?
A reputable roof repair contractor can provide an accurate estimate. If the estimate is more than the cost of your deductible, then filing a roof damage insurance claim may 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 assess the damage themselves even if you’ve got a contractor.
After the insurance adjuster determines the level of harm, you should be given a homeowner summary of damages within a few 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 amount needed to make the necessary repairs or replacement of the roofing. The homeeowner will also be asked to pay the deductible in which he or she consented to cover when the insurance policy was initially purchased. After the roof claim approval, you’ll 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 next test, the job should be paid in full. At this stage in the roof 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
Among the other big 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 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 the other. Unlike a car deal, you have insurance, a deductible, coverage details and the lifetime of your roof to take into account. 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 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 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 company is one of the best things you can do. A contractor will be able to help determine the specific amount of damage to the roof and what may have caused the damage. This may be helpful 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 needed. For more information 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 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 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. Learn more about why claims are generally 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 procedure for roof damage is not always straightforward. When you file a claim, there are numerous people involved in the approval process. In addition to the homeowner, most insurance claims involve an insurance adjuster who is basically a representative for the insurance company. This person helps make decisions and finally 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 on-site to document 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 particular types of evidence before sending out another agent, such as photographs of the damage. In some instances, roof repairs or replacements could be approved depending on the photos alone if the extent of the harm is extremely evident in the images.
The dispute procedure requires the homeowner to file an appeal with the insurance company. When you submit the appeal, ask your insurer for a resolution 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 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 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 conditions: Many insurance companies reject insurance claims in the event the roof inspection shows that you have been negligent in your roof maintenance. There is a high chance of roofing insurance claim denial in case you have not kept your roof free from debris and moss, 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 in disrepair, consisting of subpar roofing materials, or previous 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 length 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 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 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 believing your insurance carrier will be thrilled with your choice to pass on a claim submittal since you’re trying to extend your roof . 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’ve kept it repaired and maintained well. Following the ten-year mark and with less-than-adequate upkeep, your chances decrease, even though it’s not impossible. You will probably just have 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 usually cover the damage minus the deductible.
The Insurance Information Institute (III) and insurance businesses say policyholders need to file promptly when hail damages your dwelling. You also need to take photographs of the damage. Don’t make repairs prior to contacting your insurer, though you might also need to protect the damage with a tarp or a different type of covering.
Most standard policies require filing a claim within one year of determining 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 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 quickly as they can by promising potential customers the world. Oftentimes, they vanish before work was finalized or execute subpar work that may not be evident until a few years down the road when you have no means of calling them.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the scope of work that a contractor educated 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 then submit their findings to your insurance provider 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 work as cheaply as possible through subpar menus and materials. Hiring your own contractor means that their incentive is to meet you over your insurance company.
Insurance adjusters are the people who come out to assess hailstorm damage, evaluate your siding and roofing system, examine your hail damage insurance claim, 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 know since it can impact your settlement.
As an employee, the adjuster’s goal is to accurately assess the cause of damage and estimate the price 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 effectively.
The insurance adjuster always looks for hail impacts. These impacts decide if you will find a replacement or not. They’ll ask if there’s 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 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 number of hail marks within the region of a 10 x 10 feet 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 difficult to see.
- Note 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 house using binoculars.
- Take photos of the ac 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 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 will 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 rely on their high-quality installation and valid roof warrantees.