Easiest Way to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Roof Replacement Streamwood
Roof Replacement and Hail Damage
If you’ve had the unfortunate experience of severe hail or storm damage to your roof, you understand the seriousness of the problem demands immediate attention. Why? A roof leak can 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 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 may be in order. If it’s over 10 years old and the leaks are widespread then a complete replacement may be necessary. Most will be someplace in between nonetheless and the decision may need an expert. Consult a roofer to get 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 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? Read on.
Understanding the Anatomy of a Roof Repair
The first reaction of a homeowner is to call in a claim to their insurance company — a reasonable response to a damaged roof. In the end, the monthly cost 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 from the claim information, assess the degree of damage, determine the validity of this claim and if your claim is approved – interpret the data into a claim payment. Sometimes, the information can be obtained over the telephone. Some insurance companies insist on sending a claims professional to your home or paying for a drone to validate the level of damage. Then, they write 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 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 factors:
Let’s start with your selection of a roofing repair company. Since your home is by far your biggest investment and you’ll need the roof to last more than a few years, how should you pick the best match for your biggest investment? Picking a roof repair company solely based on the lowest cost could be a tempting alternative and you make some gain (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 automobile? (Short term gain . long term safety risk.) An inexpensive roofing repair provider might take short cuts in labor and materials to get the job but you lose in the long term due to cheap materials. In a few years, you will 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 becoming 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 picking? Our bet, is medium to low because the purchase price is lower, hence the insurance claim payout is lower. And, there are lots of types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement that makes everyone’s job a lot easier. However, are you aware each kind 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 lifespan 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 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 forms of underlayment that are used dependent on the place, weather and environment conditions in a particular 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 existing roof deck is damaged or rotten it may need to be repaired or fully replaced which could increase the cost 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 believe that the damage should be covered, locate a third-party roofing advocate to work with you on the whole claim process. Someone who will remain with you from beginning to end unlike the cheaper ‘storm-chasers’ who fall 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 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 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 depend on their high-quality installation and legitimate roof warrantees. If your initial claim is denied, she’ll 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 types of proof before sending out another representative, such as photographs of the damage. In some instances, roof repairs or replacements may be approved depending on the photos alone if the extent of the harm is extremely evident in the images. She’ll get this documentation for you and assist you through the process. 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 likely your first roof repair project you are at a disadvantage of the numerous variables and details of the roofing market. Do you really need to take this on yourself or get educated, 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 may be the smartest choice. When you contact your insurance company about the damage, they will schedule an appointment for an insurance adjuster to come to your house and evaluate the damage. The insurance carrier will want to evaluate the damage themselves even in the event you’ve got a contractor.
Following the insurance adjuster determines the degree of harm, you should be given a homeowner overview 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 roof. The homeeowner will also be asked to cover the deductible in which he or she consented to cover when the insurance policy was initially purchased. After the roof claim approval, you will have a fixed amount of time to generate the necessary roof repairs.
Once the work is done, 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 another check to cover any remaining costs that the initial check didn’t cover. After receiving the second check, the job should be paid in full. 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 last big mistake
One of 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 vs actual dealer costs and another dealership down the street so why not get them to compete?
But in negotiating a roof repair pitting one roofer against another. Unlike a car deal, you’ve got insurance, a deductible, coverage information and the lifetime of your new roof to consider. Since 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 cannot be emphasized enough). In cases like this, submitting the lowest quote 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 future roof replacement claim could be denied due to low age.
Bottom line: Hiring a professional roof repair contractor such as 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 be able 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 provider. Experienced roof repair contractors can also give a quote to fix the damage or replace the roof if necessary. For more information about 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 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 entire roof replacement yourself. However, should you 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 before moving forward.
The insurance claim procedure for roof damage isn’t always straightforward. When you file a claim, there are several people involved in the approval process. Besides the homeowner, most insurance claims involve an insurance adjuster who is basically a representative for the insurance company. This individual 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. During 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 representative, 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 pictures.
The dispute procedure 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 haven’t heard back from the insurance company, follow up with your own 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 roof insurance claim denial if you have not maintained your roof free from moss and debris, 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 already in disrepair, consisting of subpar roofing materials, or prior repairs or replacements were shoddy work, it might result in 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’ve got for filing a claim for an accident or storm damage. Once 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 things by those deadlines. Don’t procrastinate once you alert the insurance company 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 roofing age discrimination if you like but it may cost you big bucks by thinking your insurance company will be thrilled with your option to pass on a claim submittal because you are attempting to extend your roof . 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 have kept it repaired and maintained well. After the ten-year markers and with less-than-adequate maintenance, your chances 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 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 home. You also need to take photos of the damage. Don’t make repairs prior to contacting your insurer, though you might also want to protect the damage with a tarp or another sort of covering.
Most standard policies require filing a claim within a year of discovering a hail storm ruined 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 contractors from all over the country 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 prospective customers the world. Oftentimes, they vanish before work has been finalized or perform subpar work that might not be evident until a few years down the road when you’ve got no way of calling them.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the range of work that 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 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 forced to use a builder referred to you by the insurance carrier. Oftentimes, their purpose 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 those who 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 fact to know since it can impact your settlement.
As a worker, the adjuster’s aim is to correctly evaluate the cause of damage and estimate the price of the damage. They’ll look to lessen the amount which the insurance provider must cover while still maintaining 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 will find 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 proceed to the roof and inspect the gutters, gutters covers, and roof for any hail damage.
Be armed with overwhelming documented evidence that’s tough to dispute.
- Count the amount of hail marks within the area 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 numerous photographs in the morning and early evening to find the best light; hail damage is often small and hard to see.
- Notice the storm’s time, date, and length, including when hail damage occurred.
- Look for obvious signs of roof and siding damage or some other part of the house using binoculars.
- Take photographs of the 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 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 is not only 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 that you can rely on their high-quality installation and valid roof warrantees.