Fastest Method to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – Waynesboro Va Roofer
Roof Replacement and Hail Damage
When you’ve had the unfortunate experience of severe hail or storm damage to your roof, you know the severity of the problem requires immediate attention. Why? A roof leak may 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 if 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 might be necessary. Most will be someplace in between nonetheless 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 agent working for the same company who is 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 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’s 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 – interpret the data into a claim payment. Sometimes, the information can be taken over the phone. Some insurance companies insist on sending a claims professional to the 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 labor 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 overlook as they advance through the process and it’ll wind up costing you big bucks in the longer term.
Here are a few considerations:
Let’s start with your selection of a roofing repair company. Since your house is by far your biggest investment and you’ll need the roof to last over a few years, how should you select the best match for your biggest investment? Picking a roof repair firm solely based on the lowest price might be a tempting alternative and you make some profit (the difference between your insurance payment and the expense of roof repairs), but is that what you need? Would 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 labor and materials to get the job but you lose in the long term because of cheap materials. In a few years, you will be right back where you started from only this time, your homeowner insurance company 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 roof 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, thus the insurance claim payout is reduced. And, there are many kinds of shingles: Asphalt, Architectural, Tile, Slate, etc.. Most homeowners will choose an identical replacement that makes everybody’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 small upgrade for your home? Could adding a few dollars to your investment add years to the lifespan of your roof? Something to consider before making a repair.
What is the quality or grade of the underlayment used to assess your payment? Underlayment follows the decking and is regarded as the second layer. It’s a protective layer between any roofing 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’s sometimes identified as tar paper due to the way it seems. There are various sorts 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 existing roof deck is damaged or rotten it may have to be repaired or completely replaced that could add to the cost 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 believe that the damage should be covered, find a third-party roofing advocate to work with you on the whole claim process. Someone who will stay with you from start to finish 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 offer a warrantee but what good is a warrantee if you are unable to find the company 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 will stay at work from claim submittal to final inspection. In addition to that, she only works with bonded and licensed roofing companies which means you can depend on their high quality installation and legitimate roof warrantees. If your first claim is denied, she’ll 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 particular types of evidence before sending out another agent, like 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 extremely evident in the pictures. She will get this documentation for you and help you through the process. Again, a fly-by-night company is only interested in getting on to the next roof repair and not a long-term relationship. Or, you could attempt to negotiate this on your own but since this is probably your first roof repair job you’re at a disadvantage of the multiple factors and details of the roofing market. Do you really want to take this on yourself or get educated, 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 smartest choice. 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 carrier will want to evaluate the damage themselves even in the event you have 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 approved, you should also receive your first check. This first check will only cover half of the total required 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’ll have a fixed amount of time to generate the necessary roof repairs.
Once the work is done, the insurance carrier 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 roof damage insurance claim process, the homeowner should have a repaired or new roof, and the expert roof repair contractors should be paid in full for their services.
The final big mistake
Among the other major mistake’s homeowners make is pitching one roofer against the other 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 is right down the street so why not get them to compete?
However, in negotiating a roof repair pitting one roofer against another. Unlike a car deal, you have insurance, a deductible, coverage details and the life of your new roof to consider. Since there are some many ways for your 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 quote to your insurance provider 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 may 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 may have caused the damage. This can be useful when providing evidence to the insurance company. Experienced roof repair contractors can also provide a quote to fix the damage or replace the roof if needed. To find out more regarding the roof damage insurance claim procedure or to schedule an inspection, contact a roof repair contractor today.
What to do if your roof claim is denied?
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, if you do not agree with your insurance company’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 the reason you should talk with roof repair contractors before 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. In addition to the homeowner, most insurance claims involve an insurance adjuster who is basically a representative for the insurance carrier. This individual helps make decisions and eventually 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 company and schedule a re-inspection. In this inspection with the insurance adjuster, have reputable roof repair contractors onsite to record 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 kinds of evidence before sending out another agent, like photographs of the damage. On occasion, roof replacements or repairs may be approved based on the photos alone if the extent of the damage is highly evident in the images.
The dispute procedure requires the homeowner to file an appeal with the insurance company. 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 have not heard back from the insurance provider, 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 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 chance of roofing insurance claim denial if 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, consisting of subpar roofing materials, or previous repairs or replacements were shoddy work, it might lead to 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 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 necessary documentation and other things by those deadlines. Don’t procrastinate once you alert the insurance company of a pending claim or you could pay for the whole cost of repair!
- Old Roofs: Yes, there is such a thing as an age-related roof case. Call it roofing age discrimination if you prefer but it may cost you big bucks by believing your insurance carrier will be thrilled with your choice to pass on a claim submittal since you’re attempting 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’ve 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 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 promptly when hail damages your home. You should also take photographs of the damage. Don’t make repairs prior to contacting your insurer, though you may also need to protect the damage with a tarp or a different sort of covering.
Most standard policies require filing a claim within a year of discovering a hail storm ruined your roof or other areas of the house.
DO NOT sign with the first company that knocks on your door. Once massive damage occurs, storm chasing builders 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 fast as they could by promising potential customers the world. Oftentimes, they disappear before work has been finalized or execute subpar work that may not be evident until a few 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 which a contractor informed you needs 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 will 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 pressured to use a contractor referred to you by the insurance carrier. Oftentimes, their motivation is to complete the work as cheaply as possible through subpar menus and materials. Hiring your own builder ensures that their incentive is to meet you over your insurance provider.
Insurance adjusters are those who come out to assess hailstorm damage, assess your siding and roof system, analyze your hail damage insurance coverage, and determine how much you should get paid to fix your dwelling. 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 an employee, the adjuster’s aim is to correctly assess 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 preserving 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’ll get a replacement or not. They’ll ask if there is any interior damage and analyze your house 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 roofing for any hail damage.
Be armed with overwhelming documented proof that’s hard to dispute.
- Count the number 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 find the best light; hail damage is often small and hard to see.
- Note the storm’s time, date, and duration, 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 is important to keep in mind that hail melts. Golf ball-sized hailstones may 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 will remain on the job from claim submittal to final inspection. In addition to that, she only works with bonded and licensed roofing companies that means you can rely on their high-quality installation and valid roof warrantees.