Basic Info (1 Minute) – The Roofer Thrall

Simplest Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – The Roofer Thrall

Roof Replacement and Hail Damage

If 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 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 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 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 need an expert.  Consult a roofer to obtain an inspection and identify your choices.

Working with a roofing advocate increases your confidence in obtaining the best repair and solution at the least out-of-pocket expense.  The alternative is to require the claims agent working for the same company who’s paying for your 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 reasonable response to a damaged roof.  After all, the monthly expense 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 in the claim information, assess the extent of damage, determine the validity of the claim and if your claim is accepted – translate the data into a claim payment.  Sometimes, the information can be obtained over the phone.  Some insurance companies insist on sending a claims professional to your home or paying for a drone to validate the level of damage.  Then, they write the claim information 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 business to tear off the old roof, make the repairs and the problem is fixed.  Right?  Well, there are some BIG 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’s begin with your selection of a roofing repair firm.  Since your home is by far your biggest investment and you will want the roof to last more than a few years, how should you select the best match for your biggest investment?  Choosing a roof repair company solely based on the lowest price might be a tempting alternative and you make some gain (the difference between your insurance coverage and the cost of roofing repairs), but is that what you want?  Would you buy cheapest tires for your automobile?  (Short term gain vs. 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 few years, you’ll be right back where you started from just this moment, your homeowner insurance carrier will question the age of the roof if it is too soon and you run a higher chance of your subsequent claim getting denied.

What is the grade or quality of the roofing shingles used to rate your payment?  There are multiple options running from very affordable, low-quality shingles, to high-grade/high quality shingle materials.  Which option is your claims agent picking?  Our bet, is moderate to low because the purchase price is lower, hence 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 that makes everybody’s job a lot 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 dwelling?  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 is a protective layer between any roofing 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 materials, and it’s sometimes identified as tar paper because of the way it looks.  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 properly and with high-quality materials?

Roof deck fix: If the existing roof deck is damaged or rotten it may need to be repaired or completely replaced which could add to the cost of the installation.

 

What is 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, 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 drop 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 are unable to find the business 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 on the job from claim submittal to final inspection.  Not only that, she only works with licensed and bonded roofing companies which means you can depend on their high-quality installation and valid roof warrantees.  If your initial 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 kinds of proof before sending out another representative, like 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 images.  She’ll get this documentation for you and assist you through the procedure.  Again, a fly-by-night company is only interested in getting to the next roof repair and not 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 market.  Do you really need 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 may be the best option.  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 if you have a contractor.

Following the insurance adjuster determines the level of damage, you should receive 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 amount 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 consented to pay when the insurance policy was originally purchased.  After the roof claim acceptance, you will have a set amount of time to generate the necessary roof repairs.

When 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 another check to cover any remaining costs that the first 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 repaired 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 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 road so why not make them compete?

But in negotiating a roof repair pitting one roofer against another.  Unlike a car deal, you’ve got insurance, a deductible, coverage details and the life of your new roof to take into account.  Since there are some many ways for the roofer and insurance claims agent to cut corners, you’ll want to consider 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 decrease material costs a.k.a you get a less expensive roof with cheaper materials which will require 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 be able to help determine the specific amount of damage to the roof and what might have caused the damage.  This may be useful 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 necessary.  To find out more about the roof damage insurance claim process 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 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 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 file a dispute.  Find out more about why claims are generally denied, what you can do if you receive a denial, and why you should talk with roof repair contractors before moving forward.

The insurance claim procedure for roof damage isn’t always straightforward.  When you file a claim, there are several people involved in the approval procedure.  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 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 in addition to 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, like photographs 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 extremely evident in the pictures.

The dispute process requires the homeowner to file an appeal with the insurance company.  When you submit the appeal, ask your insurer 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 insurer.  If your appeal is denied, you have the option to dispute this action with the insurance company further.  You may 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 reject 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 have not maintained 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 result in a rejected claim.
  • Delayed Claims: Did you know 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 could pay for the entire cost of repair!
  • Old Roofs: Yes, there is such a thing as an age-related roof case. Call it roofing age discrimination if you like but it may cost you big dollars by thinking your insurance carrier will be thrilled with your option to pass on a claim submittal because you are trying to extend your roof .  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.  Following the ten-year mark and with less-than-adequate maintenance, your chances decrease, even 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 that it is over.  You have every right to fight that decision.

 

Hail Damage

An insurer will usually cover the damage minus the deductible.

The Insurance Information Institute (III) and insurance companies say policyholders need to file promptly when hail damages your dwelling.  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 harm with a tarp or another type of covering.

Most standard policies require filing a claim within one year of discovering that a hail storm ruined 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 country set their GPS systems for the affected area and start going door to door trying to sign as much business as fast as they can by promising potential customers the world.   Oftentimes, they disappear before work was finalized or execute subpar work that might 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 first offer if it doesn’t fully encompass the scope of work which a contractor informed you have to be performed or correctly compensates for premium improvements you have 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 then submit their findings to your insurance provider and request a new payout amount.

DO NOT feel pressured to use a contractor referred to you by the insurance carrier.  Oftentimes, their motivation is to finish the job as cheaply as possible through subpar menus and materials.   Hiring your own builder ensures that their incentive is to meet you over your insurance company.

Insurance adjusters are the people who come out to evaluate hailstorm damage, evaluate your siding and roofing system, analyze your hail damage insurance claim, 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 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 price of the damage.  They’ll look to minimize the amount that the insurance company 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’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 go on to the roof and inspect the gutters, gutters covers, and roof for any hail damage.

Be Prepared

Be armed with overwhelming documented proof that is tough to dispute.

  • Count the number of hail marks within the area of a 10 x 10 ft square.
  • Take photographs 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 find the best light; hail damage is often small and hard to see.
  • Notice the storm’s time, date, and length, including when hail damage occurred.
  • Look for obvious signs of roof and siding damage or some 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 may 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 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.