Best Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Roof Repair Sandy Springs
Roof Replacement and Hail Damage
If you have had the unfortunate experience of severe storm or hail damage to your roof, then you understand the severity 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 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 full replacement might 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 cost. The alternative is to require the claims representative working for the same company who is paying for your 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 reasonable response to a damaged roof. In the end, 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 is their job to take in the claim information, assess the extent of damage, determine the validity of the claim and if your claim is accepted – interpret the information into a claim payment. In some cases, the information can be obtained over the phone. 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 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 miss as they advance through the process and it will wind 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 home is by far your largest investment and you will want the roof to last over a couple of years, how should you select the best fit for your biggest investment? Picking a roof repair firm solely based on the lowest price could be a tempting alternative and you make some profit (the difference between your insurance coverage and the cost of roofing repairs), but is that what you want? Can you buy cheapest tires for your vehicle? (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 will be right back where you started from only this time, your homeowner insurance carrier will question the era of the roof if it is too soon and you run a greater risk of your subsequent claim becoming denied.
What is the grade or quality of the roof shingles used to assess your payment? There are numerous options running from very cheap, low-quality shingles, to high-grade/high quality shingle materials. Which choice is your claims agent picking? Our bet, is moderate to low because the price is lower, thus the insurance claim payout is reduced. And, there are many kinds of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement that makes everybody’s job a lot easier. However, did you know 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 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 regarded as 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’s occasionally identified as tar paper due to the way it looks. There are various sorts of underlayment that are used dependent on the place, 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 fix: If the present roof deck is rotten or damaged it may have to be repaired or completely replaced that 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 believe that the damage should be covered, locate a third-party roofing advocate to work with you on the whole claim procedure. Someone who will stay with you from start to finish 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 business in a couple of years?
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 review. In addition to that, she only works with licensed and bonded roofing companies which means you can rely on their high quality installation and valid 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 types of evidence before sending out another agent, like photos of the damage. On occasion, roof repairs or replacements could be approved depending on the photos alone if the extent of the damage is extremely 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 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 likely your first roof repair job you are at a disadvantage of the multiple factors and details of the roofing market. Do you really want to take this on yourself or get knowledgeable, 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 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 in the event 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 approved, you also need to get your first check. This first check will only cover half of the total required to make the necessary repairs or replacement of the roofing. The homeeowner will also be asked to cover the deductible in which he or she agreed to pay when the insurance policy was initially 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 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 cover any remaining costs that the first check did not cover. After receiving the next check, the job should be paid . At this stage in the roofing damage insurance claim procedure, the homeowner should have a fixed or new roof, and the expert roof repair contractors should be paid in full for their services.
The final big mistake
One of the other major mistake’s homeowners make is pitching one roofer against the other 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 is right down the road so why not get them to compete?
But in negotiating a roofing repair pitting one roofer against the other. Unlike a car deal, you’ve got insurance, a deductible, policy details and the lifetime of your roof to take into account. As there are some many ways for your roofer and insurance claims agent to cut corners, you’ll want to take into account the roofers reputation and quality of the materials (this can’t be emphasized enough). In cases like this, submitting the lowest estimate to your insurance provider will result a lower material costs a.k.a you get a cheaper 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 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 might 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 repair the damage or replace the roof if needed. For more information regarding the roofing 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 some 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, if you do not agree with your insurance company’s decision, you have the right to file a dispute. Learn more about why claims are generally denied, what you can do if you receive a denial, and why you need to speak with roof repair contractors before moving forward.
The insurance claim procedure for roof damage isn’t always simple. When you file a claim, there are several people involved in the approval process. In addition to the homeowner, most insurance claims involve an insurance adjuster who’s basically a representative for the insurance company. This individual 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 onsite to record 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 particular kinds of proof before sending out another representative, such as photos of the damage. On occasion, roof repairs or replacements could be approved based on the photos alone if the extent of the damage is extremely evident in the pictures.
The dispute procedure requires the homeowner to file an appeal with the insurance provider. When you submit the appeal, ask your insurance company for a settlement date. The rebuttal process isn’t always quick and you might be waiting for a while to hear back. If the deadline passes and you have not heard back from the insurance company, follow up with your insurer. If your appeal is denied, you have the option to dispute this activity with the insurance company further. You may 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 states: 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 prospect of roof insurance claim denial if you haven’t 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, composed of subpar roofing materials, or previous repairs or replacements were shoddy work, it might lead to a rejected claim.
- Delayed Claims: Did you know sometimes, your insurance company will refuse to cover a roof damage claim if you take too long to report it? Your insurance policy should state the length 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 in the necessary documentation and other things by those deadlines. Don’t procrastinate once you alert the insurer of a pending claim or you may pay for the entire cost of repair!
- Old Roofs: Yes, there is such a thing as an age-related roof claim. Call it roof discrimination if you prefer but it may cost you big dollars by thinking your insurance company will be thrilled with your option to pass on a claim submittal because you are 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. After the ten-year mark and with less-than-adequate maintenance, your odds decrease, even though it is 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 usually cover the damage minus the deductible.
The Insurance Information Institute (III) and insurance companies say policyholders will need to file promptly when hail damages your home. You also need to take photographs of the damage. Don’t make repairs prior to contacting your insurer, though you may also want to protect the damage with a tarp or a different sort of covering.
Most standard policies require filing a claim within one year of discovering 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 occurs, storm chasing builders from all over the nation set their GPS systems for the affected area and start going door to door trying to sign as much business as fast as they can by promising prospective customers the world. Oftentimes, they disappear before work has been finalized or execute subpar work that may 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 which a contractor informed you needs 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 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 complete the work as cheaply as possible through subpar materials and shortcuts. Hiring your own builder ensures that their incentive is to meet you over your insurance provider.
Insurance adjusters are the people that come out to evaluate hailstorm damage, assess your siding and roofing 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 businesses send are employees of the insurance companies, which is an important fact to know since it can affect your settlement.
As a worker, the adjuster’s aim is to accurately assess the cause of damage and estimate the price of the damage. They will look to lessen the amount which the insurance company must pay while still preserving the obligations of the insurance contract. Prepare to deal with your claims adjuster efficiently.
The insurance adjuster always looks for hail impacts. These impacts decide if you will get a replacement or not. They’ll 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 go on to the roof and inspect the gutters, gutters covers, and roof for any hail damage.
Be armed with overwhelming documented evidence that is hard to dispute.
- Count the number of hail marks within the region of a 10 x 10 ft square.
- Take photos of your yard, home, and property following the storm, focusing on damaged areas. The more pictures you take, the better. Take many 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 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 photographs of the 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 may 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’ll stay on the job from claim submittal to final inspection. In addition to that, she only works with licensed and bonded roofing companies that means that you can depend on their high-quality installation and valid roof warrantees.