Most Effective Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Ricky Redick Roofer
Roof Replacement and Hail Damage
When you’ve had the unfortunate experience of severe hail or storm damage to your roof, then you understand 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 whether the roof could be repaired or if it should 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 complete 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 options.
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 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? Continue reading.
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 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’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. Sometimes, the information can be obtained over the telephone. Some insurance companies insist on sending a claims professional to the home or paying for a drone to confirm the level of damage. Then, they compose the claim details 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 miss as they progress through the procedure and it’ll wind up costing you big bucks in the longer term.
Here are a few considerations:
Let’s begin with your selection of a roofing repair firm. Since your home is by far your largest investment and you’ll want the roof to last over a couple of years, how should you select the best match for your biggest investment? Choosing a roof repair company solely based on the lowest cost might be a tempting alternative and you make some gain (the difference between your insurance coverage and the expense of roofing 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 company may take short cuts in labor and materials to get the job but you lose in the long run because of cheap materials. In a few years, you will be right back where you started from just this time, your homeowner insurance company will question the age 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 roofing shingles used to assess 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 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 kinds of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will choose an identical replacement which makes everybody’s job a lot easier. However, did you know each kind of shingle has a related lifespan or ‘longevity rating’? 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 quality or grade 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. 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 substances, and it is occasionally identified as tar paper due to the way it looks. There are various sorts of underlayment that are used based on the place, 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 rotten or damaged it might have to be repaired or fully replaced which could increase the cost of the installation.
What’s 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 procedure. Someone who will remain 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 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 is not only a roof inspection — she’ll remain at work from claim submittal to final inspection. In addition to that, she only works with bonded and licensed roofing companies which means that you can rely on their high quality installation and valid roof warrantees. If your first 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 that the claim handler may ask for particular kinds of evidence before sending out another representative, like photos of the damage. On occasion, roof replacements or repairs may be approved depending on the photos alone if the extent of the damage is highly evident in the pictures. She will get this documentation for you and assist you through the process. Again, a fly-by-night company is only interested in getting to the next roof repair and not a long-term relationship. Or, you could attempt to negotiate this on your own but since this is likely your first roof repair project you are at a disadvantage of the numerous variables and details of the roofing industry. Do you really need to take this on yourself or get knowledgeable, 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 smartest choice. When you contact your insurance carrier about the harm, they’ll schedule an appointment for an insurance adjuster to come to your house and evaluate the damage. The insurance company will want to evaluate the damage themselves even if you’ve got a contractor.
After the insurance adjuster determines the degree of harm, you should receive a homeowner summary of damages within a couple of days. If the roof damage insurance claim is approved, you should also get your first check. This first check is only going to cover half of the total required 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 cover when the insurance policy was originally purchased. After the roof claim acceptance, you will have a fixed amount of time to make the necessary roof repairs.
Once the work is done, 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 initial check did not cover. After receiving the next 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 compensated in full for their services.
The last 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 automobile. Why? Because everyone knows the game of high mark ups in MSRP vs actual dealer costs and another dealership down the road so why not make them compete?
However, in negotiating a roofing repair pitting one roofer against another. Unlike a car deal, you’ve got insurance, a deductible, coverage details and the lifetime of your roof to consider. Since there are some many ways for the roofer and insurance claims agent to cut corners, you’ll want to take into account the roofers reputation and quality of the materials (that 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 cheaper roof with cheaper materials that will need replacement sooner and your future 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 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 may have caused the damage. This can 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 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 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. Learn more about why claims are generally denied, what you could do if you receive a denial, and why you need to talk with roof repair contractors prior to moving forward.
The insurance claim process for roof damage isn’t always straightforward. When you file a claim, there are numerous people involved in the approval procedure. Besides the homeowner, most insurance claims involve an insurance adjuster who is basically 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 don’t 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 certain types of evidence before sending out another agent, like photos of the damage. In some instances, roof replacements or repairs could be approved based on the photos alone if the extent of the harm is extremely evident in the pictures.
The dispute process requires the homeowner to file an appeal with the insurance company. When you submit the appeal, ask your insurer for a settlement 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 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 states: Most insurance companies refuse insurance claims in the event the roof inspection shows that you have been negligent in your roof maintenance. There’s a high chance of roof 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 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 understand 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. 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 items by those deadlines. Don’t procrastinate as soon as you alert the insurance company of a pending claim or you may pay for the entire cost of repair!
- Old Roofs: Yes, there’s such a thing as an age-related roof claim. Call it roofing age discrimination if you prefer but it may cost you big bucks by thinking your insurance carrier will be thrilled with your option to pass on a claim submittal since you’re attempting 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’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 probably just need 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 companies say policyholders will need to file immediately when hail damages your dwelling. You also need to take photographs of the damage. Don’t make repairs prior to contacting your insurance, though you might also need to protect the harm with a tarp or a different sort of covering.
Most standard policies require filing a claim within a year of discovering 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 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 sign as much business as quickly as they could by promising prospective customers the world. Oftentimes, they vanish before work has been finalized or execute subpar work that might not be evident until a couple years down the road when you have no way of calling them.
DO NOT accept the insurance adjuster’s initial offer if it doesn’t fully encompass the scope 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 do not correlate with the improvements that will need to be made, you have the right to hire an independent adjuster and then submit their findings to your insurance company and ask for a new payout amount.
DO NOT feel pressured to use a builder referred to you by the insurance company. 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 provider.
Insurance adjusters are the people that come out to evaluate hailstorm damage, evaluate your siding and roof system, analyze your hail damage insurance claim, and determine how much you should get paid to fix your dwelling. The claims adjusters that home insurance companies send are employees of the insurance companies, which is an important thing to know since it can impact your settlement.
As a worker, the adjuster’s aim is to correctly assess the cause of damage and estimate the cost of the damage. They’ll look to minimize the amount that 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 will ask if there is any interior damage and examine your home interior looking 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 is tough to dispute.
- Count the number 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 photos 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 any 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 might have hit your house, 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 is not just a roof inspection — she will stay on the job from claim submittal to final inspection. In addition to that, she only works with bonded and licensed roofing companies which means you can rely on their high-quality installation and valid roof warrantees.