Simplest Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Premier Roofing Contractor, Llc Bridgeton, Nj.
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 seriousness 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 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 ten years old and the leaks are widespread then a complete replacement may 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 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 rely on the claims representative working for the exact same company who is paying for your 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 would be to call in a claim to their insurance company — a reasonable response to a damaged roof. In the end, the monthly cost of property insurance is designed to help homeowners in getting 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 extent of damage, determine the validity of the claim and if your claim is accepted – interpret the information into a claim payment. Sometimes, the information can be obtained over the telephone. Some insurance companies insist on sending a claims specialist to your property or paying for a drone to confirm the level of damage. Then, they compose the claim details and source 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’ll end up costing you big bucks in the longer term.
Here are a few considerations:
Let us start with your selection of a roofing repair firm. Since your home is by far your biggest investment and you’ll need the roof to last more than a few years, how should you select the best match for your biggest investment? Choosing a roof repair firm solely based on the lowest cost could be a tempting alternative and you make some profit (the difference between your insurance payment and the cost of roof repairs), but is that what you want? Can you buy cheapest tires for your automobile? (Short term gain . 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 because of cheap materials. In a few years, you’ll be right back where you started from only this time, your homeowner insurance carrier will question the era of the roof if it is too soon and you run a greater chance of your subsequent claim getting denied.
What is the grade or quality of the roofing shingles used to assess your payment? There are multiple 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 medium to low because the purchase price is lower, thus 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 that makes everyone’s job much easier. However, are you aware each type 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 slight 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 is a protective layer between any roofing 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 due to the way it looks. There are various forms of underlayment which are used based on the location, weather and environment conditions in a specific 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 fix: If the present roof deck is damaged or rotten it may have to be repaired or completely replaced which 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 harm should be covered, find a third-party roofing advocate to work with you on the whole claim procedure. Someone who will remain with you from beginning to end 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 provide a warrantee but what good is a warrantee if you can’t find the business in a couple of years?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This isn’t only a roof inspection — she’ll remain at work from claim submittal to final review. In addition to 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 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 types of proof before sending out another representative, 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 damage is highly 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 since this is probably your first roof repair project you are at a disadvantage of the multiple factors and details of the roofing market. Do you really want to take this on yourself or get knowledgeable, experienced assistance from an advocate?
A reputable roof repair contractor can provide an accurate estimate. If the quote is more than the cost of your deductible, then filing a roof damage insurance claim might 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 company will want to assess the damage themselves even in the event you have a contractor.
Following the insurance adjuster decides the level of damage, you should be given a homeowner summary of damages within a couple of 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 total needed to make the necessary repairs or replacement of the roof. The homeeowner will also be required to cover the deductible in which he or she consented to pay when the insurance coverage was initially purchased. After the roof claim approval, you will have a set amount of time to make the necessary roof repairs.
When the work is complete, 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 in full. At this stage in the roofing damage insurance claim process, the homeowner should have a fixed 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 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 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 another. Unlike a car deal, you have insurance, a deductible, policy details 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 consider the roofers reputation and quality of the materials (that can’t 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 could be denied due to 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 company is one of 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 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. To find out more about the roof damage insurance claim procedure or to schedule an inspection, contact a roof repair contractor now.
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 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. Learn more about why claims are generally denied, what you could do if you receive a denial, and the reason you should speak with roof repair contractors before moving forward.
The insurance claim process for roof damage isn’t always straightforward. When you file a claim, there are several people involved in the approval process. In addition to the homeowner, most insurance claims involve an insurance adjuster who is essentially 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 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 certain types of evidence 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 highly 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 insurance company for a settlement 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 activity with the insurance provider further. You can ask to speak 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 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 prospect of roof insurance claim denial in case you haven’t 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, composed of subpar roofing materials, or previous repairs or replacements were shoddy work, it could lead to 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’ve got for filing a claim for an accident or storm damage. As soon as 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 once you alert the insurer of a pending claim or you could pay for the entire 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 bucks by thinking your insurance company will be delighted with your option to pass on a claim submittal because you’re 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 mark and with less-than-adequate maintenance, your chances decrease, even though it is 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 companies say policyholders need to file promptly when hail damages your home. You also need to take photos of the damage. Don’t make repairs before contacting your insurance, though you may also want to protect the damage 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 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 can by promising prospective customers the world. Oftentimes, they disappear before work was finalized or perform subpar work that might not be evident until a few years down the road when you’ve got no means of calling them.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the range of work that a contractor educated you have to be performed or properly 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 then submit their findings to your insurance company and ask for a new payout amount.
DO NOT feel forced to use a contractor referred to you by the insurance carrier. Oftentimes, their purpose is to complete 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 the people that come out to evaluate hailstorm damage, evaluate your siding and roof system, examine your hail damage insurance claim, and determine how much you should get paid to repair your dwelling. The claims adjusters that house insurance businesses send are employees of the insurance companies, which is an important fact to understand since it can impact your settlement.
As an employee, the adjuster’s goal is to accurately assess the cause of damage and estimate the cost of the damage. They’ll look to lessen the amount that the insurance provider 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 find a replacement or not. They’ll 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 roof for any hail damage.
Be armed with overwhelming documented proof that is hard to dispute.
- Count the number 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 photos in the morning and early evening to get 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 roofing and siding damage or some other part of the house using binoculars.
- Take photos of the ac 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 may have hit your house, but if you do not 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 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 that you can depend on their high-quality installation and valid roof warrantees.