Most Effective Steps to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Roofer License Search
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 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 ought to be replaced. If the roof is relatively new and the leaks are easy to repair then a fix could be in order. If it’s over 10 years old and the leaks are widespread then a complete replacement might be necessary. Most will be somewhere in between however and the decision may need 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 exact same company who is 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 is to call in a claim to their insurance company — a fair response to a damaged roof. After all, 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 from the claim information, assess the degree of damage, determine the validity of the claim and if your claim is accepted – interpret the data into a claim payment. Sometimes, the information can be taken over the telephone. Some insurance companies insist on sending a claims professional to your home 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 labour costs for your geographic area. 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 overlook as they advance through the process and it’ll end up costing you big bucks in the longer term.
Here are a few factors:
Let us start with your choice of a roofing repair firm. Since your house is by far your biggest investment and you’ll want the roof to last more than a few years, how should you pick the best fit for your biggest investment? Choosing a roof repair company solely based on the lowest cost could be a tempting alternative and you make some profit (the difference between your insurance coverage and the cost of roof repairs), but is that what you need? 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 materials and labor to get the job but you lose in the long run due to cheap materials. In a few years, you’ll be right back where you started from only this time, your homeowner insurance company will question the era of the roof if it is too soon and you run a higher chance of your subsequent claim becoming denied.
What is the quality or grade of the roofing shingles used to assess your payment? There are multiple options running from very affordable, low-quality shingles, to high-grade/high excellent shingle materials. Which choice is your claims agent picking? Our bet, is moderate to low because the purchase price is lower, thus the insurance claim payout is reduced. And, there are lots of kinds of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement which makes everyone’s job a lot easier. However, are you aware each kind of shingle has a related lifespan or ‘longevity score’? Even if you selected an apples-to-apples replacement what is the cost-benefit of a small upgrade for your home? Could adding a few dollars to your investment add years to the life span of your roof? Something to take into consideration before making a repair.
What is the quality or grade of the underlayment used to rate 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 substances, and it is sometimes identified as tar paper because of the way it looks. There are various forms of underlayment that are used based 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 correctly and with high-quality materials?
Roof deck repair: If the present roof deck is damaged or rotten it may need to be repaired or completely replaced which could add to the expense 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 think that the damage should be covered, find a third-party roofing advocate to work with you on the whole claim process. Someone who will stay 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 couple of years?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This is not only a roof inspection — she’ll 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 first 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 that the claim handler may ask for certain kinds of proof before sending out another representative, like photographs of the damage. On occasion, roof replacements or repairs may be approved based on the photos alone if the extent of the harm is extremely evident in the pictures. She will get this documentation for you and assist you through the process. Again, a fly-by-night organization is only interested in getting to the next roof repair rather than a long-term relationship. Or, you could try to negotiate this on your own but since this is likely your first roof repair project you’re at a disadvantage of the multiple factors and details of the roofing industry. Do you really need to take this on your own 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 company 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 assess the damage themselves even if you’ve got a contractor.
Following the insurance adjuster determines the degree of damage, you should receive 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 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 cover when the insurance coverage was initially purchased. After the roof claim acceptance, you’ll have a fixed amount of time to generate the necessary roof repairs.
When the work is complete, 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 initial check did not cover. After receiving the second 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 expert roof repair contractors should be paid in full for their services.
The final big mistake
Among the other major mistake’s homeowners make is pitching one roofer against another in hopes to get 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 street so why not get them to compete?
But in negotiating a roof repair pitting one roofer against another. Unlike a car deal, you have insurance, a deductible, coverage details and the lifetime of your roof to consider. As there are some many ways for the roofer and insurance claims agent to cut corners, you’ll want to consider the roofers reputation 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 that will need replacement sooner and your upcoming 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 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 can be useful when providing evidence to the insurance provider. Experienced roof repair contractors can also give a quote to repair 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 today.
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 could be stuck footing the bill for repairs or a total roof replacement yourself. However, should you not agree with your insurance company’s decision, you have the right to submit a dispute. Find out more about why claims are generally denied, what you could do if you receive a denial, and the reason you should talk with roof repair contractors prior to moving forward.
The insurance claim procedure for roof damage is not always simple. When you submit a claim, there are several people involved in the approval procedure. Besides the homeowner, most insurance claims involve an insurance adjuster who’s basically a representative for the insurance carrier. 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. During this review with the insurance adjuster, have reputable roof repair contractors onsite to record 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 types of evidence before sending out another representative, like photos of the damage. On occasion, roof repairs or replacements may be approved depending on the photos alone if the extent of the damage is extremely evident in the images.
The dispute process requires the homeowner to file an appeal with the insurance provider. 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 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 may ask to talk 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: Most insurance companies reject insurance claims if the roof inspection indicates that you have been negligent in your roof maintenance. There’s a high chance of roofing insurance claim denial if you haven’t 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 already 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 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 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 in the essential documentation and other things by those deadlines. Don’t procrastinate once you alert the insurer of a pending claim or you could pay for the whole cost of repair!
- Old Roofs: Yes, there’s such a thing as an age-related roof case. Call it roof age discrimination if you like but it may cost you big bucks by believing your insurance company will be thrilled with your option to pass on a claim submittal since you’re trying to extend your roof . 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. After the ten-year mark and with less-than-adequate maintenance, your odds decrease, though it is 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 need to file promptly when hail damages your dwelling. You should also take photos of the damage. Don’t make repairs before contacting your insurance, though you may 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 determining that 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 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 could by promising prospective customers the world. Oftentimes, they vanish before work was finalized or perform subpar work that might 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 initial offer if it doesn’t fully encompass the range of work which a contractor educated you have to be performed or correctly 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 submit their findings to your insurance provider and ask for a new payout amount.
DO NOT feel pressured to use a contractor 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 meet you over your insurance company.
Insurance adjusters are those that come out to assess hailstorm damage, evaluate your siding and roof system, examine your hail damage insurance coverage, and determine how much you should get paid to repair your home. The claims adjusters that house insurance businesses send are employees of the insurance companies, which is an important thing to understand since it can impact your settlement.
As an employee, the adjuster’s goal is to correctly assess the cause of damage and estimate the price of the damage. They will look to minimize the amount which 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 get a replacement or not. They’ll ask if there’s 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 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 after 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.
- Notice the storm’s time, date, and duration, 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 this air conditioning unit as hailstones can cause dents, blockage of cooling fins, and airflow.
It is important to remember 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 isn’t just a roof inspection — she’ll remain on the job from claim submittal to final inspection. In addition to that, she only works with licensed and bonded roofing companies which means you can depend on their high quality installation and valid roof warrantees.