Simplest Steps to Get Your Roof Repaired or Replaced After Being Damaged by a Storm or Hail – White Glitter Roof House Rock Asphalt “Glitter Rock”
Roof Replacement and Hail Damage
When you have had the unfortunate experience of severe hail or storm damage to your roof, then you understand the seriousness 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 should 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 full replacement might be necessary. Most will be somewhere 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 expense. The alternative is to require the claims agent working for the same company who is 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 is 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 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 accepted – translate the data into a claim payment. In some cases, 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 confirm the level of damage. Then, they write the claim details 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 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 progress through the process and it will wind up costing you big bucks in the longer term.
Here are a few factors:
Let us start with your choice of a roofing repair firm. Since your house is by far your biggest investment and you will 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 firm solely based on the lowest cost might 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? Would you buy cheapest tires for your vehicle? (Short term gain . 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 run because of cheap materials. In a few years, you’ll be right back where you started from just 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 becoming denied.
What is the grade or quality of the roof shingles used to rate 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 choosing? Our bet, is moderate to low because the purchase price is lower, thus the insurance claim payout is reduced. And, there are lots of kinds 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 a related 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 life span of your roof? Something to consider before you make a repair.
What is the quality or grade 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 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 is occasionally identified as tar paper because of the way it looks. There are various sorts of underlayment which are used dependent 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 rotten or damaged it might need to be repaired or fully replaced which 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 policy. If you think that the damage should be covered, locate a third-party roofing advocate to work with you on the entire claim process. Someone who will stay 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 are unable to find the company in a year or two?
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. In addition to that, she only works with bonded and licensed roofing companies which means you can rely 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 the claim handler may ask for particular types of evidence before sending out another agent, 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 extremely evident in the pictures. She’ll find this documentation for you and assist you through the process. Again, a fly-by-night organization is only interested in getting on to the next roof repair and not a long-term relationship. Or, you could try to negotiate this on your own but because this is probably your first roof repair job you are at a disadvantage of the numerous variables and details of the roofing industry. Do you really need to take this on yourself 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 best option. When you contact your insurance carrier about the damage, they’ll schedule an appointment for an insurance adjuster to come to your house and assess the damage. The insurance company 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 also need to receive your first check. This first check is only going to cover half of the amount required to make the necessary repairs or replacement of the roofing. The homeeowner will also be required to cover the deductible in which he or she consented to pay when the insurance coverage was originally purchased. Following the roof claim approval, you will have a fixed amount of time to make the necessary roof repairs.
Once the work is done, the insurance company 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 didn’t cover. After receiving the next test, the job should be paid . At this stage in the roofing damage insurance claim procedure, the homeowner should have a fixed 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 automobile. Why? Because everyone knows the game of high mark ups in MSRP vs actual dealer costs and another dealership down the street 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. 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 reputation and quality of the materials (this cannot 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 less expensive roof with cheaper materials which will need replacement sooner and your upcoming roof replacement claim may be denied as a result of 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 may have caused the damage. This can be useful when providing evidence to the insurance provider. Experienced roof repair contractors can also provide a quote to fix the damage or replace the roof if necessary. To find out more about the roofing 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 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 entire roof replacement yourself. However, should you 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 can do if you receive a denial, and why you need to speak with roof repair contractors before moving forward.
The insurance claim process for roof damage isn’t always simple. When you file a claim, there are numerous 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 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 review 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 some of the damage was overlooked the first time around. Know the claim handler may ask for certain types of proof before sending out another agent, like photographs of the damage. On occasion, roof repairs or replacements could be approved depending on the photos alone if the extent of the harm is highly evident in the pictures.
The dispute procedure requires the homeowner to file an appeal with the insurance company. When you submit the appeal, ask your insurance company for a resolution 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 company, follow up with your insurer. If your appeal is denied, you have the option to dispute this action 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: Many insurance companies reject insurance claims in the event the roof inspection shows that you have been negligent in your roof maintenance. There is a high prospect of roofing insurance claim denial in case you have not kept your roof free from debris and moss, 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, consisting of subpar roofing materials, or prior repairs or replacements were shoddy work, it might result in a rejected claim.
- Delayed Claims: Did you know sometimes, your insurance carrier 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’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 as a result of the insured not turning into 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 is such a thing as an age-related roof claim. Call it roof age discrimination if you like but it may cost you big dollars by believing your insurance carrier will be delighted with your choice to pass on a claim submittal because you are 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’ve kept it repaired and maintained well. After the ten-year mark and with less-than-adequate upkeep, your chances decrease, though it’s not impossible. You will probably 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 will need to file promptly when hail damages your dwelling. You also need to take photographs of the damage. Don’t make repairs prior to contacting your insurance, though you may also need to protect the harm with a tarp or a different type of covering.
Most standard policies require filing a claim within a year of determining 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 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 quickly as they could by promising prospective customers the world. Oftentimes, they disappear 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 contacting them again.
DO NOT accept the insurance adjuster’s first offer if it doesn’t fully encompass the range of work that a contractor informed you have to be performed or properly compensates for premium improvements you have 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 provider and request a new payout amount.
DO NOT feel pressured to use a contractor referred to you by the insurance company. Oftentimes, their motivation is to finish 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 that come out to assess hailstorm damage, evaluate 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 companies send are employees of the insurance companies, which is an important thing 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 which the insurance provider must cover while still preserving 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 will find a replacement or not. They will ask if there’s any interior damage and examine your house interior looking 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 armed with overwhelming documented proof that’s tough to dispute.
- Count the amount of hail marks within the area 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 numerous photographs in the morning and early evening to find 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 house using binoculars.
- Take photographs of this ac 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 only 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 that you can rely on their high quality installation and valid roof warrantees.