Best Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Roof Valley Repair Products
Roof Replacement and Hail Damage
When you’ve had the unfortunate experience of severe storm or hail damage to your roof, then you know the seriousness of the problem demands immediate attention. Why? A roof leak can 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 whether the roof could 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 could 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 nonetheless and the decision may require 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 representative 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 fair response to a damaged roof. After all, the monthly cost of property insurance is designed to assist homeowners in receiving 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 degree of damage, determine the validity of the claim and if your claim is approved – translate the information into a claim payment. In some cases, the information can be obtained over the phone. Some insurance companies insist on sending a claims specialist to your home or paying for a drone to confirm the level of damage. Then, they write the claim details and source 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 miss 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 begin with your selection of a roofing repair company. Since your home is by far your biggest investment and you’ll want the roof to last more than a couple of 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 gain (the difference between your insurance payment and the cost of roofing repairs), but is that what you want? Can you buy cheapest tires for your vehicle? (Short term gain vs. long term safety risk.) An inexpensive roofing repair company might take short cuts in materials and labor to get the job but you lose in the long run due to 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 era 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 roofing shingles used to rate your payment? There are multiple options running from very affordable, 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, hence 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 that makes everybody’s job a lot 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 take into consideration before making a repair.
What is the grade or quality of the underlayment used to assess 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. Additionally it is meant 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 occasionally identified as tar paper due to the way it seems. There are various forms of underlayment which are used dependent on the place, 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 present roof deck is rotten or damaged it might have to be repaired or fully replaced that could increase the expense of the installation.
What’s the best solution?
Before calling your insurance company, 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 whole claim process. Someone who will remain with you from beginning to end 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 offer 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 just a roof inspection — she’ll stay on the job from claim submittal to final review. Not only 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. 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 that the claim handler may ask for certain kinds of evidence before sending out another agent, such as photos of the damage. On occasion, roof replacements or repairs could be approved depending on the photos alone if the extent of the harm is extremely evident in the images. She’ll get this documentation for you and assist you through the procedure. Again, a fly-by-night organization is only interested in getting on 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 job you are at a disadvantage of the multiple variables and details of the roofing market. Do you really need 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 smartest choice. When you contact your insurance carrier about the harm, they’ll schedule an appointment for an insurance adjuster to come to your home and evaluate the damage. The insurance carrier will want to evaluate the damage themselves even if you have a contractor.
Following the insurance adjuster determines the degree of harm, you should be given a homeowner summary of damages within a few days. If the roof damage insurance claim is accepted, you also need to get your first check. This first check is only going to cover half of the total required to make the necessary repairs or replacement of the roofing. The homeeowner will also be asked to cover the deductible in which he or she consented to pay when the insurance coverage was originally purchased. After the roof claim approval, you will have a set amount of time to make the necessary roof repairs.
Once the work is complete, the insurance carrier 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 pay for any remaining costs that the initial check did not cover. After receiving the next check, the job should be paid . At this point in the roofing damage insurance claim procedure, the homeowner should have a fixed or new roof, and the expert roof repair contractors should be compensated in full for their services.
The final big mistake
Among the other big mistake’s homeowners make is pitching one roofer against the other in hopes to find the best price. This might 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 down the road so why not get them to compete?
However, in negotiating a roofing repair pitting one roofer against the other. Unlike a car deal, you have insurance, a deductible, policy information and the lifetime of your new roof to take into account. 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 (that 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 need replacement sooner and your future roof replacement claim could 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 provider is among 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 useful when providing evidence to the insurance provider. Experienced roof repair contractors can also give a quote to fix the damage or replace the roof if necessary. For more information about the roof damage insurance claim procedure or to schedule an inspection, contact a roof repair contractor today.
What to do if a 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 might be stuck footing the bill for repairs or a total roof replacement yourself. However, should you not agree with your insurer’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 why you need to speak with roof repair contractors before moving forward.
The insurance claim procedure for roof damage is not always straightforward. When you submit a claim, there are numerous people involved in the approval process. Besides the homeowner, most insurance claims involve an insurance adjuster who’s basically 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 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 onsite to record the list of damages along with the adjuster. You 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, such as photos of the damage. In some instances, roof replacements or repairs could be approved depending on the photos alone if the extent of the damage is extremely evident in the images.
The dispute process requires the homeowner to file an appeal with the insurance provider. When you submit the appeal, ask your insurance company 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 provider, follow up with your insurer. If your appeal is denied, you have the option to dispute this activity with the insurance provider further. You can 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 refuse insurance claims if 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 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 already in disrepair, composed 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 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. 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 in the essential documentation and other items by those deadlines. Don’t procrastinate once you alert the insurance company 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 bucks by thinking your insurance carrier will be thrilled with your option to pass on a claim submittal because you’re attempting to extend your roof . You have 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 have 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 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 companies say policyholders need to file immediately when hail damages your dwelling. You should also take photographs of the damage. Don’t make repairs before contacting your insurance, though you might also want to protect the damage with a tarp or a different type of covering.
Most standard policies require filing a claim within one year of discovering that 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 occurs, storm chasing contractors from all over the nation set their GPS systems for the affected area and start 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’ve got no means of calling them.
DO NOT accept the insurance adjuster’s first offer if it doesn’t fully encompass the scope of work that 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 finish the work as cheaply as possible through subpar materials and shortcuts. Hiring your own builder ensures that their incentive is to satisfy you over your insurance provider.
Insurance adjusters are the people who come out to assess hailstorm damage, assess your siding and roofing system, examine your hail damage insurance claim, and determine how much you should get paid to fix your home. The claims adjusters that home insurance businesses send are employees of the insurance companies, which is an important fact to understand since it can affect your settlement.
As a worker, the adjuster’s aim is to accurately evaluate the cause of damage and estimate the price of the damage. They will look to lessen 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’ll ask if there’s 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 is hard to dispute.
- Count the amount of hail marks within the region 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 many photos in the morning and early evening to find the best light; hail damage is often small and difficult 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 home using binoculars.
- Take photos of the ac unit as hailstones can cause dents, blockage of cooling fins, and airflow.
It is important to remember that hail melts. Golf ball-sized hailstones might have hit your home, 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 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 you can rely on their high-quality installation and valid roof warrantees.