Best Steps to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Free Roof Inspection Repair
Roof Replacement and Hail Damage
If you have had the unfortunate experience of severe hail or storm damage to your roof, then you understand the severity of the problem requires immediate attention. Why? A roof leak may 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 if the roof can be repaired or if it ought to be replaced. If the roof is relatively new and the leaks are easy to repair then a repair may be in order. If it’s over ten years old and the leaks are widespread then a complete replacement might be necessary. Most will be someplace in between however and the decision may need 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 cost. The alternative is to rely on the claims representative 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? 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’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 accepted – translate the information into a claim payment. In some cases, the information can be taken over the phone. Some insurance companies insist on sending a claims specialist to your home or paying for a drone to validate the extent of damage. Then, they compose the claim details and supply an internal database for material and labor 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 huge assumptions the homeowner can overlook as they advance through the procedure and it will end up costing you big bucks in the longer term.
Here are a few factors:
Let us begin with your choice of a roofing repair company. Since your home is by far your biggest investment and you will need the roof to last more than a couple of years, how should you select the best match for your biggest investment? Picking a roof repair company solely based on the lowest cost could be a tempting solution and you make some profit (the difference between your insurance payment and the cost of roofing 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 might take short cuts in materials and labor to get the job but you lose in the long term due to 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 era of the roof if it’s too soon and you run a higher risk of your subsequent claim getting denied.
What is the quality or grade of the roofing shingles used to assess your payment? There are multiple options running from very cheap, low-quality shingles, to high-grade/high quality shingle materials. Which choice is your claims agent choosing? Our bet, is moderate to low because the purchase price is lower, thus the insurance claim payout is reduced. And, there are many kinds 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 consider before you make a repair.
What is the quality or grade of the underlayment used to rate your payment? Underlayment follows the decking and is considered 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 materials, and it’s occasionally identified as tar paper because of the way it looks. There are various sorts of underlayment which 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 correctly and with high-quality materials?
Roof deck repair: If the existing roof deck is rotten or damaged it may need to be repaired or completely replaced which could increase the cost of the installation.
What’s the best solution?
Before calling your insurance company, you should carefully read through your homeowner’s insurance policy. If you think that the harm 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 to a neighborhood, provide 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 business 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’ll stay at work from claim submittal to final inspection. Not only 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 a number of the damage was overlooked the first time around. Know the claim handler may ask for certain types of proof before sending out another agent, such as photos of the damage. In some instances, roof replacements or repairs could be approved based on the photos alone if the extent of the harm is extremely evident in the pictures. She’ll find this documentation for you and help 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 attempt to negotiate this on your own but because this is likely your first roof repair job you’re at a disadvantage of the numerous factors and details of the roofing industry. Do you really want to take this on your own or get educated, experienced help 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 best option. When you contact your insurance company about the damage, they will schedule an appointment for an insurance adjuster to come to your house and assess the damage. The insurance company will want to evaluate the damage themselves even in the event 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 accepted, you should also 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 roofing. The homeeowner will also be asked to pay the deductible in which he or she agreed to cover when the insurance policy was initially purchased. After the roof claim acceptance, you will have a fixed amount of time to make 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 cover any remaining costs that the first check didn’t cover. After receiving the second test, the job should be paid in full. At this stage in the roofing damage insurance claim procedure, the homeowner should have a fixed or new roof, and the professional roof repair contractors should be paid in full for their services.
The last big mistake
Among the other big mistake’s homeowners make is pitching one roofer against another 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 versus real dealer costs and another dealership down the road so why not make them compete?
But in negotiating a roof repair pitting one roofer against another. Unlike a car deal, you have insurance, a deductible, coverage information and the life of your new roof to consider. As there are some many ways for your roofer and insurance claims agent to cut corners, you’ll want to consider the roofers standing and quality of the materials (that cannot be emphasized enough). In cases like this, submitting the lowest estimate to your insurance company will result a decrease material costs a.k.a you get a cheaper roof with cheaper materials that 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 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 have the ability to help determine the specific amount of damage to the roof and what might 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 fix the damage or replace the roof if needed. To find out more 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 could be stuck footing the bill for repairs or a total 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 can do if you receive a denial, and why you should speak with roof repair contractors prior to moving forward.
The insurance claim procedure for roof damage isn’t 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 is basically a representative for the insurance company. This person 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 review 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 some 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, such as photographs of the damage. In some instances, roof repairs or replacements may be approved based on the photos alone if the extent of the damage is extremely evident in the pictures.
The dispute process requires the homeowner to file an appeal with the insurance provider. When you submit an 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 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 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 conditions: Most insurance companies refuse insurance claims in the event the roof inspection shows that you have been negligent in your roof maintenance. There’s a high chance of roofing 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 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 previous repairs or replacements were shoddy work, it might lead to 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 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 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 insurer of a pending claim or you may 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 bucks by thinking your insurance company will be thrilled with your choice to pass on a claim submittal because 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 have kept it repaired and maintained well. After the ten-year mark and with less-than-adequate maintenance, your odds decrease, though it’s not impossible. You will likely just have to work harder for it. Understand that just because you get denied doesn’t mean that 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 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 insurance, though you might also want to protect the harm with a tarp or another sort of covering.
Most standard policies require filing a claim within one year of discovering that a hail storm damaged 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 sign as much business as quickly as they can by promising potential customers the world. Oftentimes, they vanish before work was finalized or perform subpar work that may not be evident until a couple years down the road when you have no means of calling them.
DO NOT accept the insurance adjuster’s initial offer if it doesn’t fully encompass the scope of work that a contractor informed you needs to be performed or properly compensates for premium improvements you’ve made to your home. 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 company and request a new payout amount.
DO NOT feel forced to use a contractor referred to you by the insurance company. Oftentimes, their purpose is to complete the job as cheaply as possible through subpar menus and materials. Hiring your own builder ensures that their incentive is to satisfy you over your insurance company.
Insurance adjusters are those that come out to evaluate hailstorm damage, evaluate 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 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 aim is to correctly assess the cause of damage and estimate the price of the damage. They’ll look to minimize the amount which the insurance provider must pay 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 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 go on to the roof and inspect the gutters, gutters covers, and roofing for any hail damage.
Be armed with overwhelming documented evidence that’s tough 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 following 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.
- Note 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 dents, blockage of cooling fins, and airflow.
It’s important to remember that hail melts. Golf ball-sized hailstones might 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 isn’t just a roof inspection — she’ll stay on the job from claim submittal to final inspection. Not only that, she only works with bonded and licensed roofing companies which means that you can rely on their high-quality installation and valid roof warrantees.