Best Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Roofing Contractor Phoenix
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 severity of the problem demands 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 should 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 may be necessary. Most will be someplace in between however and the decision may require an expert. Consult a roofer to get an inspection and identify your options.
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 rely on the claims representative working for the exact same company who’s paying for your own repairs. Call Suzanne for a free inspection. It’s 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 reasonable response to a damaged roof. After all, 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 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 approved – translate the information into a claim payment. Sometimes, the information can be obtained over the phone. Some insurance companies insist on sending a claims specialist to the home or paying for a drone to confirm the extent of damage. Then, they compose 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 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 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 firm. Since your house is by far your biggest investment and you will need the roof to last more than a few years, how should you pick the best match for your biggest investment? Choosing a roof repair company solely based on the lowest price could be a tempting alternative and you make some gain (the difference between your insurance payment and the expense of roof repairs), but is that what you need? Can you buy cheapest tires for your vehicle? (Short term profit . 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 because of cheap materials. In a couple of years, you’ll be right back where you started from just this moment, your homeowner insurance company will question the age of the roof if it’s too soon and you run a greater risk of your subsequent claim getting denied.
What is the quality or grade of the roof shingles used to assess your payment? There are numerous 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 medium to low because the purchase price is lower, hence the insurance claim payout is lower. And, there are many kinds of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement which makes everyone’s job much easier. However, did you know each type 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 small upgrade for your home? 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 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 due to the way it seems. There are various forms of underlayment which are used dependent on the location, environment and weather 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 rotten or damaged it may need to be repaired or fully replaced that could add to the cost of the installation.
What’s the best solution?
Before calling your insurance provider, 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 offer a warrantee but what good is a warrantee if you are unable to find the company in a year or two?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This isn’t just a roof inspection — she’ll remain at work from claim submittal to final inspection. In addition to that, she only works with licensed and bonded roofing companies which means that you can depend 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 that the claim handler may ask for certain kinds of evidence before sending out another agent, like photographs of the damage. In some instances, roof repairs or replacements may be approved depending on the photos alone if the extent of the damage is extremely evident in the pictures. She will find 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 try to negotiate this on your own but because this is likely your first roof repair job you are at a disadvantage of the numerous factors and details of the roofing market. Do you really need to take this on your own or get educated, 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 might be the smartest choice. When you contact your insurance carrier about the damage, they will schedule an appointment for an insurance adjuster to come to your home and assess 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 level of damage, you should be given a homeowner overview of damages within a couple of days. If the roof damage insurance claim is accepted, 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 asked to pay the deductible in which he or she agreed to cover when the insurance coverage was originally 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 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 a second check to cover any remaining costs that the first check did not cover. After receiving the second check, the job should be paid . At this point in the roofing damage insurance claim process, the homeowner should have a repaired or new roof, and the professional roof repair contractors should be compensated in full for their services.
The last big mistake
One of the other big 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?
However, in negotiating a roof repair pitting one roofer against the other. Unlike a car deal, you have insurance, a deductible, policy information 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 take into account the roofers standing and quality of the materials (this 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 less expensive roof with cheaper materials which will require replacement sooner and your future roof replacement claim could be denied as a result of 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 may 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 necessary. 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 your 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, if you do not agree with your insurer’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 why you should speak with roof repair contractors before moving forward.
The insurance claim process for roof damage is not always simple. When you file a claim, there are several people involved in the approval procedure. Besides the homeowner, most insurance claims involve an insurance adjuster who is essentially 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 do not 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 along with 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 proof before sending out another representative, like photographs of the damage. In some instances, roof repairs or replacements could be approved depending on the photos alone if the extent of the harm is extremely evident in the images.
The dispute procedure requires the homeowner to file an appeal with the insurance company. When you submit an appeal, ask your insurance company for a settlement date. The rebuttal process is not 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 own insurer. If your appeal is denied, you have the option to dispute this action with the insurance company 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 in the event the roof inspection indicates that you have been negligent in your roof maintenance. There is a high prospect of roof insurance claim denial in case you have not 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 already in disrepair, consisting of subpar roofing materials, or prior repairs or replacements were shoddy work, it could result in 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 should state the period 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 due to the insured not turning in the essential documentation and other things by those deadlines. Don’t procrastinate once you alert the insurance company of a pending claim or you could 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 like but it may cost you big dollars by thinking your insurance company will be delighted with your option to pass on a claim submittal because you are trying to extend your roof age. You’ve got 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’ve kept it repaired and maintained well. Following the ten-year mark and with less-than-adequate upkeep, your odds decrease, even though it’s not impossible. You will likely 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 often cover the damage minus the deductible.
The Insurance Information Institute (III) and insurance businesses say policyholders will need to file immediately when hail damages your home. You should also take photographs of the damage. Don’t make repairs prior to contacting your insurer, though you may also need to protect the damage with a tarp or a different sort of covering.
Most standard policies require filing a claim within one year of determining that a hail storm damaged your roof or other areas of the house.
DO NOT sign with the first firm that knocks on your door. Once massive damage occurs, storm chasing contractors 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 potential customers the world. Oftentimes, they vanish before work has been finalized or perform subpar work that might not be evident until a couple years down the road when you have no means of contacting them again.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the range of work that a contractor informed you needs to be performed or properly 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 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 carrier. Oftentimes, their motivation is to complete the job as cheaply as possible through subpar materials and shortcuts. Hiring your own builder ensures that their incentive is to meet you over your insurance company.
Insurance adjusters are the people who 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 repair your dwelling. The claims adjusters that home insurance companies send are employees of the insurance companies, which is an important fact to know since it can affect your settlement.
As an employee, the adjuster’s aim is to accurately evaluate the cause of damage and estimate the cost of the damage. They will look to lessen the amount which the insurance company must pay while still maintaining the obligations of the insurance contract. Prepare to take care of your claims adjuster efficiently.
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 analyze your house interior searching 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 tough to dispute.
- Count the amount of hail marks within the area of a 10 x 10 feet 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 photos 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 roof and siding damage or any other part of the house 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 do not 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 isn’t 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 that means you can rely on their high-quality installation and valid roof warrantees.