Fastest Way to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Bitumen Asphalt For Roof
Roof Replacement and Hail Damage
If 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 may cause thousands 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 if 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 fix may be in order. If it’s over 10 years old and the leaks are widespread then a full replacement may be necessary. Most will be somewhere in between however 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 agent working for the same company who is paying for your own repairs. Call Suzanne for a free inspection. It is 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 fair response to a damaged roof. After all, 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 this claim and if your claim is approved – translate the information into a claim payment. In some cases, 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 confirm the level of damage. Then, they compose the claim information and source an internal database for material and labor costs for your geographic location. 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 BIG assumptions the homeowner can overlook as they progress through the procedure and it’ll end up costing you big bucks in the longer term.
Here are a few factors:
Let us start with your selection of a roofing repair company. Since your house is by far your largest investment and you will need the roof to last more than a few years, how should you select the best fit for your biggest investment? Picking 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 payment and the expense of roofing repairs), but is that what you want? Would you buy cheapest tires for your vehicle? (Short term gain vs. 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 run 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 is too soon and you run a higher chance of your subsequent claim becoming denied.
What is the quality or grade of the roof shingles used to rate your payment? There are numerous options running from very cheap, low-quality shingles, to high-grade/high excellent shingle materials. Which option 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 many types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will choose an identical replacement which makes everyone’s job much easier. However, did you know each type of shingle has a related lifespan or ‘longevity rating’? Even if you selected an apples-to-apples replacement what is the cost-benefit of a slight 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 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’s a protective layer between any roof materials used and the deck. It is also 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’s sometimes identified as tar paper due to the way it looks. There are various forms of underlayment that are used based on the location, 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 repair: If the present roof deck is rotten or damaged it might have to be repaired or fully replaced which could add to the expense 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 believe that the harm should be covered, find a third-party roofing advocate to work with you on the entire claim procedure. Someone who will stay with you from start to finish 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 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 only a roof inspection — she will remain on the job from claim submittal to final review. In addition to that, she only works with bonded and licensed 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 that the claim handler may ask for particular kinds of proof before sending out another agent, such as photographs of the damage. On occasion, roof replacements or repairs could be approved based on the photos alone if the extent of the damage is extremely evident in the images. She will find this documentation for you and assist you through the procedure. Again, a fly-by-night company is only interested in getting 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 probably your first roof repair job you are at a disadvantage of the multiple factors and details of the roofing industry. Do you really want to take this on yourself or get educated, experienced help 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 may be the best option. When you contact your insurance company about the harm, they’ll schedule an appointment for an insurance adjuster to come to your home and assess the damage. The insurance carrier will want to assess 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 summary 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 needed to make the necessary repairs or replacement of the roofing. The homeeowner will also be required to cover the deductible in which he or she agreed to pay when the insurance coverage was initially purchased. Following the roof claim acceptance, you’ll have a fixed amount of time to generate the necessary roof repairs.
Once 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 didn’t cover. After receiving the next 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 professional roof repair contractors should be compensated in full for their services.
The final big mistake
Among 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 versus real 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 have insurance, a deductible, coverage information and the lifetime of your new roof to take into account. 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 need replacement sooner and your upcoming roof replacement claim may 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 company is among the best things you can do. A contractor will have the ability 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 about 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 many 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 typically denied, what you can do if you receive a denial, and why you should talk with roof repair contractors before moving forward.
The insurance claim process for roof damage isn’t 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’s 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. During this inspection 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 the claim handler may ask for particular kinds of evidence before sending out another representative, like photographs of the damage. On occasion, roof repairs or replacements may be approved depending on the photos alone if the extent of the harm 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 insurer for a resolution 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 provider, 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 shows that you have been negligent in your roof maintenance. There is a high chance of roofing insurance claim denial if you have not kept 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 result in a rejected claim.
- Delayed Claims: Did you understand 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 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 due to the insured not turning into 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’s such a thing as an age-related roof case. Call it roof 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 since you are trying to extend your roof age. 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 have kept it repaired and maintained well. After the ten-year markers and with less-than-adequate upkeep, 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 does not mean that 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 businesses say policyholders 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 insurance, though you may also want to protect the damage with a tarp or another type of covering.
Most standard policies require filing a claim within a year of determining a hail storm ruined your roof or other areas 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 fast as they could by promising prospective customers the world. Oftentimes, they disappear before work has been finalized or execute subpar work that might not be evident until a few years down the road when you have no means of contacting them again.
DO NOT accept the insurance adjuster’s first offer if it does not fully encompass the range of work which a contractor informed 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 motivation is to finish the work as cheaply as possible through subpar menus and materials. Hiring your own contractor means that their incentive is to satisfy you over your insurance provider.
Insurance adjusters are those that 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 home. The claims adjusters that house insurance companies send are employees of the insurance companies, which is an important fact to know since it can impact your settlement.
As an employee, the adjuster’s goal is to accurately assess the cause of damage and estimate the price of the damage. They’ll look to lessen the amount which the insurance provider must pay while still maintaining 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 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 go on to the roof and inspect the gutters, gutters covers, and roofing for any hail damage.
Be armed with overwhelming documented proof that is hard to dispute.
- Count the amount of hail marks within the region of a 10 x 10 feet square.
- Take photographs 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 get the best light; hail damage is often small and difficult to see.
- Notice the storm’s time, date, and duration, including when hail damage occurred.
- Look for obvious signs of roofing and siding damage or any other part of the home using binoculars.
- Take photographs of the 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 might 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 will stay on the job from claim submittal to final inspection. Not only that, she only works with bonded and licensed roofing companies that means that you can depend on their high quality installation and valid roof warrantees.