Most Effective Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Roofing Repair Cost In Charlotte Nc
Roof Replacement and Hail Damage
If you’ve had the unfortunate experience of severe storm or hail damage to your roof, then you know the severity of the problem demands immediate attention. Why? A roof leak can 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 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 repair 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 nonetheless and the decision may require 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 agent working for the same company who’s paying for your own repairs. Call Suzanne for a free inspection. It’s 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. In the end, 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 extent of damage, determine the validity of this claim and if your claim is approved – translate the data 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 confirm the extent of damage. Then, they write 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 process and it’ll end up costing you big bucks in the longer term.
Here are a few factors:
Let us begin with your selection of a roofing repair firm. Since your house is by far your largest investment and you’ll need the roof to last over a couple of years, how should you select the best fit for your biggest investment? Picking a roof repair firm solely based on the lowest cost might be a tempting alternative and you make some gain (the difference between your insurance payment and the expense of roofing repairs), but is that what you need? Would you buy cheapest tires for your automobile? (Short term profit . long term safety risk.) An inexpensive roofing repair provider may take short cuts in materials and labor to get the job but you lose in the long term due to cheap materials. In a few years, you will be right back where you started from only this moment, your homeowner insurance carrier will question the age of the roof if it’s too soon and you run a greater risk of your subsequent claim becoming 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 quality shingle materials. Which choice is your claims agent picking? Our bet, is medium to low because the purchase price is lower, thus the insurance claim payout is reduced. And, there are lots of types of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will opt for an identical replacement which makes everybody’s job a lot easier. However, are you aware each kind of shingle has an associated 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 lifespan of your roof? Something to take into consideration before making a repair.
What is the quality or grade of the underlayment used to rate your payment? Underlayment follows the decking and is regarded as the second layer. It is a protective layer between any roofing materials used and the deck. It is also meant 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 sometimes identified as tar paper because of the way it seems. There are various sorts of underlayment that 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 damaged or rotten it may have to be repaired or completely replaced that could increase the expense 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, find 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 drop 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 company in a couple of years?
Make an appointment with Suzanne at www. atexasroofingpro. com for a free roof inspection. This is not only a roof inspection — she will stay at work from claim submittal to final review. 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. 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 particular kinds of evidence before sending out another representative, like photos of the damage. On occasion, roof replacements or repairs could be approved depending on the photos alone if the extent of the damage is extremely evident in the pictures. She’ll get this documentation for you and help you through the procedure. Again, a fly-by-night company is only interested in getting on to the next roof repair rather than a long-term relationship. Or, you could try to negotiate this on your own but because 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 need to take this on your own or get knowledgeable, experienced assistance 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 might be the smartest choice. When you contact your insurance carrier about the damage, they will schedule an appointment for an insurance adjuster to come to your home and assess the damage. The insurance carrier will want to evaluate the damage themselves even in the event you have a contractor.
After the insurance adjuster decides the degree of damage, you should receive a homeowner summary of damages within a couple of days. If the roof damage insurance claim is approved, you should also receive your first check. This first check is only going to cover half of the total needed to make the necessary repairs or replacement of the roof. The homeeowner will also be required to pay the deductible in which he or she agreed to pay when the insurance coverage was originally purchased. Following the roof claim acceptance, you will have a set amount of time to make the necessary roof repairs.
Once 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 initial check did not cover. After receiving the next test, 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 expert 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 another 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 vs actual 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 life of your roof to consider. Since 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 this case, submitting the lowest quote to your insurance provider will result a decrease material costs a.k.a you get a cheaper roof with cheaper materials which will need replacement sooner and your future 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 provider 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 may 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. For more information regarding the roof damage insurance claim procedure 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 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 total roof replacement yourself. However, if you do not agree with your insurance company’s decision, you have the right to file a dispute. Find out more about why claims are generally denied, what you could do if you receive a denial, and the reason you should talk with roof repair contractors before moving forward.
The insurance claim procedure for roof damage is not always simple. When you file 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 individual 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 in addition to the adjuster. You may discover that a number of the damage was overlooked the first time around. Know that the claim handler may ask for certain types of evidence before sending out another agent, such as photos of the damage. On occasion, roof repairs or replacements may be approved based on the photos alone if the extent of the damage is highly evident in the pictures.
The dispute procedure 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 is not 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 company further. You may 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 reject insurance claims in the event the roof inspection indicates that you have been negligent in your roof maintenance. There’s a high prospect 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 state 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 could 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 must 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 provides you a set length of time for things to get done. Many insurance claims get denied as a result of 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’s such a thing as an age-related roof case. Call it roofing age discrimination if you prefer but it may cost you big dollars by believing your insurance company will be thrilled with your option to pass on a claim submittal since you are trying to extend your roof . You’ve got 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. After the ten-year markers and with less-than-adequate maintenance, your chances decrease, even though it is not impossible. You will likely just have 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 often cover the damage minus the deductible.
The Insurance Information Institute (III) and insurance businesses say policyholders 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 damage with a tarp or a different type of covering.
Most standard policies require filing a claim within a year of determining a hail storm damaged your roof or other parts of the house.
DO NOT sign with the first company that knocks on your door. Once massive damage happens, storm chasing contractors from all over the nation set their GPS systems for the affected area and start going door to door trying to sign as much business as quickly as they could by promising potential customers the world. Oftentimes, they vanish before work was finalized or perform subpar work that may not be evident until a few years down the road when you’ve got no way of contacting them again.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the range of work that a contractor educated you needs to be performed or correctly compensates for premium improvements you’ve 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 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 finish 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 who come out to evaluate hailstorm damage, assess 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 home insurance companies send are employees of the insurance companies, which is an important fact to understand since it can impact your settlement.
As a worker, the adjuster’s goal is to accurately assess the cause of damage and estimate the cost of the damage. They will look to lessen the amount which the insurance provider must cover 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 find a replacement or not. They will ask if there is any interior damage and analyze your house interior looking 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 is hard to dispute.
- Count the amount of hail marks within the area of a 10 x 10 ft square.
- Take photos of your yard, home, and property following 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.
- Notice the storm’s time, date, and duration, including when hail damage occurred.
- Look for obvious signs of roof and siding damage or any 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 is important to remember that hail melts. Golf ball-sized hailstones might have hit your home, 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 is not just a roof inspection — she will stay on the job from claim submittal to final inspection. In addition to that, she only works with bonded and licensed roofing companies that means that you can rely on their high-quality installation and valid roof warrantees.