Best Process to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Flat Roof Repair Recommendations Aberdeen
Roof Replacement and Hail Damage
When you have had the unfortunate experience of severe storm or hail damage to your roof, then you understand the severity of the problem requires 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 should be replaced. If the roof is relatively new and the leaks are easy to repair then a fix may 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 somewhere in between however and the decision may need an expert. Consult a roofer to obtain 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 cost. The alternative is to rely on the claims agent working for the exact same company who’s 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 would be 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 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 extent of damage, determine the validity of this claim and if your claim is approved – interpret the information into a claim payment. In some cases, the information can be taken over the telephone. Some insurance companies insist on sending a claims specialist to the home or paying for a drone to validate the level of damage. Then, they compose the claim details and supply an internal database for material and labour 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 huge assumptions the homeowner can miss as they advance through the process and it will end up costing you big bucks in the longer term.
Here are a few considerations:
Let’s start with your selection of a roofing repair company. Since your house is by far your biggest investment and you will want the roof to last more than a couple of years, how should you pick the best fit for your biggest investment? Choosing a roof repair company solely based on the lowest price could be a tempting solution and you make some profit (the difference between your insurance payment and the expense of roof repairs), but is that what you want? Would you buy cheapest tires for your automobile? (Short term profit vs. long term safety risk.) An inexpensive roofing repair company might take short cuts in labor and materials to get the job but you lose in the long term because of cheap materials. In a couple of years, you’ll be right back where you started from only this moment, your homeowner insurance company will question the age 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 rate your payment? There are numerous options running from very affordable, low-quality shingles, to high-grade/high quality shingle materials. Which choice is your claims agent choosing? Our bet, is medium 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 opt for an identical replacement which 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 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 grade or quality 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 roof 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’s occasionally identified as tar paper due to the way it seems. There are various sorts of underlayment which are used dependent on the location, environment and weather conditions in a specific 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 may have to be repaired or completely 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 coverage. If you think that the harm should be covered, locate a third-party roofing advocate to work with you on the entire claim process. Someone who will remain 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 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 isn’t just a roof inspection — she will remain at work from claim submittal to final inspection. Not only that, she only works with bonded and licensed roofing companies which means that you can depend 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 types of evidence before sending out another agent, like photos of the damage. In some instances, roof repairs or replacements could be approved based on the photos alone if the extent of the harm is extremely evident in the pictures. She will find this documentation for you and help you through the process. Again, a fly-by-night company is only interested in getting to the next roof repair rather than a long-term relationship. Or, you could attempt to negotiate this on your own but because this is probably your first roof repair project you’re at a disadvantage of the numerous variables and details of the roofing industry. Do you really want to take this on your own or get knowledgeable, experienced assistance 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 carrier about the damage, they’ll schedule an appointment for an insurance adjuster to come to your home and evaluate the damage. The insurance company will want to evaluate the damage themselves even if you’ve got a contractor.
After the insurance adjuster determines the level of harm, you should receive a homeowner overview of damages within a few 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 total needed 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 initially purchased. Following the roof claim approval, you will have a set amount of time to generate the necessary roof repairs.
When the work is done, 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 another check to cover any remaining costs that the initial check didn’t cover. After receiving the next check, the job should be paid . 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
One of the other big 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 vehicle. Why? Because everyone knows the game of high mark ups in MSRP versus real dealer costs and another dealership is right down the street so why not get them to compete?
However, in negotiating a roofing repair pitting one roofer against the other. Unlike a car deal, you’ve got insurance, a deductible, coverage information and the life of your new roof to take into account. As there are some many ways for your roofer and insurance claims agent to cut corners, you’ll want to take into account the roofers standing 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 lower material costs a.k.a you get a cheaper roof with cheaper materials that will need replacement sooner and your future roof replacement claim may 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 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 may be useful when providing evidence to the insurance provider. Experienced roof repair contractors can also provide a quote to repair the damage or replace the roof if necessary. For more information about the roof damage insurance claim process 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 alleviate 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 insurance company’s decision, you have the right to submit a dispute. Find out more about why claims are generally denied, what you can do if you receive a denial, and the reason you need to talk with roof repair contractors before moving forward.
The insurance claim procedure for roof damage is not always simple. When you submit a claim, there are numerous people involved in the approval process. In addition to the homeowner, most insurance claims involve an insurance adjuster who’s basically a representative for the insurance company. This person 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 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 some of the damage was overlooked the first time around. Know the claim handler may ask for certain types of evidence before sending out another agent, such as 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 provider. When you submit the appeal, ask your insurance company for a settlement 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 company, 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 states: Many insurance companies reject insurance claims if the roof inspection shows that you have been negligent in your roof maintenance. There is a high chance of roof insurance claim denial in case you have not kept 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 in disrepair, consisting of subpar roofing materials, or previous 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 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 into the necessary documentation and other things by those deadlines. Don’t procrastinate as soon as you alert the insurer of a pending claim or you may pay for the entire cost of repair!
- Old Roofs: Yes, there’s such a thing as an age-related roof claim. Call it roof discrimination if you prefer but it may cost you big dollars by thinking your insurance carrier will be delighted with your option to pass on a claim submittal since you are attempting to extend your roof age. 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’ve kept it repaired and maintained well. Following the ten-year mark 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 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 promptly when hail damages your home. You should also take photos of the damage. Don’t make repairs before contacting your insurer, though you may also need to protect the harm with a tarp or another type of covering.
Most standard policies require filing a claim within one year of determining that a hail storm ruined 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 begin going door to door trying to sign as much business as fast as they could by promising potential customers the world. Oftentimes, they disappear before work has been finalized or execute subpar work that may not be evident until a couple years down the road when you’ve got no way of calling them.
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 properly compensates for premium improvements you have made to your home. 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 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 carrier. Oftentimes, their purpose is to complete the job 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 who come out to evaluate hailstorm damage, evaluate your siding and roof system, analyze your hail damage insurance coverage, and determine how much you should get paid to fix your home. The claims adjusters that house insurance companies send are employees of the insurance companies, which is an important thing to know since it can impact your settlement.
As a worker, the adjuster’s goal is to correctly evaluate the cause of damage and estimate the cost of the damage. They’ll look to minimize the amount that the insurance company must pay while still preserving 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’ll find a replacement or not. They will ask if there is any interior damage and examine your home interior searching 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 roofing for any hail damage.
Be armed with overwhelming documented proof that’s tough to dispute.
- Count the amount of hail marks within the region 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 numerous photographs in the morning and early evening to get the best light; hail damage is often small and difficult to see.
- Note the storm’s time, date, and duration, including when hail damage occurred.
- Look for obvious signs of roofing and siding damage or some other part of the home using binoculars.
- Take photographs of this air conditioning unit as hailstones can cause dents, blockage of cooling fins, and airflow.
It’s important to keep in mind that hail melts. Golf ball-sized hailstones may have hit your home, but if you don’t 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 is not just a roof inspection — she’ll stay on the job from claim submittal to final inspection. In addition to that, she only works with licensed and bonded roofing companies that means that you can depend on their high-quality installation and valid roof warrantees.