Roof Replacement Oak Lawn Il

Easiest Way to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Roof Replacement Oak Lawn Il

Roof Replacement and Hail Damage

When you have had the unfortunate experience of severe storm or hail damage to your roof, then you know the seriousness of the problem demands 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 should be replaced.  If the roof is relatively new and the leaks are easy to repair then a repair may 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 get an inspection and identify your choices.

Working with a roofing advocate increases your confidence in obtaining the best repair and solution at the least out-of-pocket expense.  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’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 reasonable response to a damaged roof.  In the end, the monthly expense 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 the claim and if your claim is accepted – translate the data into a claim payment.  In some cases, the information can be taken over the phone.  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 write the claim details and source an internal database for material and labour 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 considerations:

Let us start with your choice of a roofing repair firm.  Since your house is by far your largest investment and you’ll need the roof to last over a couple of years, how should you select the best match for your biggest investment?  Picking a roof repair company solely based on the lowest price might be a tempting solution and you make some profit (the difference between your insurance coverage and the cost of roof repairs), but is that what you need?  Would you buy cheapest tires for your vehicle?  (Short term gain . 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 because of cheap materials.  In a couple of years, you will be right back where you started from just this moment, your homeowner insurance company will question the era of the roof if it’s too soon and you run a higher risk of your subsequent claim getting denied.

What is the quality or grade of the roofing shingles used to rate your payment?  There are multiple options running from very affordable, low-quality shingles, to high-grade/high excellent shingle materials.  Which option is your claims agent choosing?  Our bet, is moderate to low because the 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 opt for an identical replacement that makes everybody’s job much 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 quality or grade of the underlayment used to rate your payment?  Underlayment follows the decking and is considered the second layer.  It is a protective layer between any roof 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’s sometimes identified as tar paper because of the way it looks.  There are various sorts of underlayment which are used dependent 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 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 fully replaced which could increase the expense 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 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 fall into 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 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’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 legitimate roof warrantees.  If your first 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 types of proof before sending out another representative, like photographs of the damage.  On occasion, roof replacements or repairs could be approved based on the photos alone if the extent of the harm is highly evident in the pictures.  She’ll find this documentation for you and assist you through the procedure.  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 attempt to negotiate this on your own but since this is probably your first roof repair job you’re at a disadvantage of the multiple factors 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 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 harm, they will schedule an appointment for an insurance adjuster to come to your house and assess the damage.  The insurance company will want to evaluate the damage themselves even in the event you’ve got a contractor.

Following the insurance adjuster decides the degree of damage, you should receive a homeowner summary of damages within a couple of days.  If the roof damage insurance claim is accepted, you should also receive 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 pay the deductible in which he or she agreed to pay when the insurance coverage was initially purchased.  After the roof claim acceptance, you will have a set amount of time to generate the necessary roof repairs.

Once 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 pay for any remaining costs that the first check didn’t cover.  After receiving the next check, the job should be paid .  At this stage in the roofing 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 last 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 might have yielded some positive results when negotiating for a new vehicle.  Why?  Because everyone knows the game of high mark ups in MSRP versus real dealer costs and another dealership 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’ve got insurance, a deductible, policy details and the lifetime of your roof to consider.  As there are some many ways for your roofer and insurance claims agent to cut corners, you’ll want to consider the roofers reputation and quality of the materials (that can’t be emphasized enough).  In cases like this, submitting the lowest quote to your insurance company will result a lower material costs a.k.a you get a less expensive roof with cheaper materials that will require replacement sooner and your upcoming 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 provider is among 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 provider.  Experienced roof repair contractors can also provide a quote to fix the damage or replace the roof if needed.  To find out more regarding the roof damage insurance claim procedure or to schedule an inspection, contact a roof repair contractor now.

 

What to do if your 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 could be stuck footing the bill for repairs or a total 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 typically denied, what you can do if you receive a denial, and the reason you should speak with roof repair contractors prior to moving forward.

The insurance claim process for roof damage is not always straightforward.  When you file a claim, there are numerous people involved in the approval procedure.  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 carrier 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 in addition to the adjuster.  You 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 representative, like photographs 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 process requires the homeowner to file an appeal with the insurance company.  When you submit the appeal, ask your insurance company 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 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 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 refuse insurance claims if the roof inspection indicates that you have been negligent in your roof maintenance. There’s a high prospect of roofing insurance claim denial if 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 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 know sometimes, your insurance carrier 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 as a result of the insured not turning in the necessary documentation and other items by those deadlines.  Don’t procrastinate as soon as you alert the insurer of a pending claim or you may pay for the whole cost of repair!
  • Old Roofs: Yes, there is such a thing as an age-related roof claim. Call it roof age discrimination if you prefer but it may cost you big bucks by thinking your insurance company will be delighted with your option to pass on a claim submittal because you’re attempting 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 have kept it repaired and maintained well.  Following the ten-year markers and with less-than-adequate maintenance, your odds decrease, 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.

 

Hail Damage

An insurer will often 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 dwelling.  You should also take photos of the damage.  Don’t make repairs before contacting your insurer, though you may also want 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 company 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 could by promising prospective customers the world.   Oftentimes, they disappear before work was finalized or perform subpar work that may not be evident until a few years down the road when you have no way of contacting them again.

DO NOT accept the insurance adjuster’s first offer if it doesn’t fully encompass the scope of work that a contractor educated 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 will 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 company.  Oftentimes, their purpose is to complete the job as cheaply as possible through subpar materials and shortcuts.   Hiring your own builder ensures that their incentive is to satisfy 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 coverage, and determine how much you should get paid to repair your home.  The claims adjusters that home insurance companies send are employees of the insurance companies, which is an important thing to understand since it can impact your settlement.

As a worker, the adjuster’s aim is to accurately evaluate the cause of damage and estimate the cost of the damage.  They will 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 will find a replacement or not.  They will ask if there’s any interior damage and examine your house 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 Prepared

Be armed with overwhelming documented evidence that is 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 many photographs in the morning and early evening to find the best light; hail damage is often small and hard 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 photographs of this air conditioning unit as hailstones can cause scratches, blockage of cooling fins, and airflow.

 

It is important to keep in mind that hail melts.  Golf ball-sized hailstones may have hit your house, 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 is not 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 that means that you can rely on their high quality installation and valid roof warrantees.