Written by trustone3

Hailstorm Help – Choosing a Roofing Contractor

Hailstorm Help – Choosing a Roofing Contractor

Following any major hailstorm in the United States, homeowners in the affected area are hit with another storm; hundreds of Roofing contractors! It can be very confusing for homeowners to know how to navigate through all the flyers and brochures and decide on which contractor to hire. Unfortunately there are some scam artists out there as well that put the homeowner on high alert in making their decision. This article will make the process of choosing the right contractor a much easier task.

Eliminate Imposters Quickly

With a little detective work, you can quickly figure out which companies to avoid like the plague. The obvious initial thought is to Google the company name, but for a scam artist looking to run away with your insurance proceeds, this method is not likely to be very effective. You may find a website, and not much else. If they have scammed other homeowners in another city, they likely did it under a completely different business name, and possibly even under another personal name.

The next place to look is on the Better Business Bureau website. There you can see if they have any prior complaints, and whether or not those complaints were resolved. In some cases you will also be able to see when the entity was created, though this date is taken from the information the contractor sends to BBB, so further research is needed. In order to find the actual business creation date, you will need to do a business entity search on your state’s secretary of state office website. Some states will allow you to search for this information, showing you the date the business was started, as well as the local entity creation. There are reputable contractors that will open a new office in your city following a major storm. But if the business itself was not created until shortly after the storm date, it gives you an idea that this might be a scam artist.

Obviously if a Google search and a BBB search both result in no information about the company, you have good reason to believe you should eliminate that company. Once you have eliminated the potential scam artists, it’s time to do further research on the companies you like.

Knowing What You’re Getting

Checking references is a common suggestion when it comes time to choose a contractor, and this is a great suggestion. However, this should not be the only method used. It is unlikely that any contractor is going to hand out references that will give them a bad review. Still, by calling a few of the references you can get an idea of what kind of work they do.

Another important factor to consider is the detail of the proposed work. If the contractor is vague in their work description, ask for a detailed breakdown. As you compare multiple contractors, you can see which one is offering the highest quality product.

Be sure to ask about the workmanship warranty offered. You will want to be sure to get at least a 2-year warranty on workmanship. Most issues in workmanship will show up almost immediately following the installation, or the first time the Roof is exposed to extreme weather conditions. Extended warranties are often offered by the contractor; in some cases at no additional charge, and others for a fee. If you want the peace of mind, you may be interested in an extended warranty, but it is not necessary. Any issues you experience with your Roof beyond the first couple years are not likely to be a result of poor workmanship, but rather caused by failed materials or external damages.

Interview Contractors Rather Than Comparing Bids

The insurance company is covering the cost of the repairs anyway, so the price is irrelevant. If you hope to have your deductible covered, or possibly even make money off the claim, think again. That would be insurance fraud, and you could end up getting into some serious trouble for doing so! Beware of contractors who try to lure you in by offering to pay your deductible, give you free upgrades, advertising credits, etc. If they can’t earn your business because of the quality of work they do, they probably aren’t worth your time. Plus, it is better to pay a little more now, than a lot later because of shoddy work.

Be sure to ask the contractor their experience in dealing with insurance claims. If they have little or no experience handling claims, you’re probably better off to cross them off your list. A professional insurance restoration contractor will be able to assist you with the claim process, get you the most money (and therefore the highest quality repairs), and get the claim approved. Professional insurance restoration contractors will use Xactimate software for their estimates, and some may even have licensed adjusters on staff.

Summary

Don’t be in a hurry to choose a contractor following storm damage to your home. Take your time to research several companies, interview them, and make your own educated decision from there. You will be glad you did when your property has been restored with top quality craftsmanship, while your neighbor complains about all the issues they have had with their project and the contractor that covered their deductible and gave them free upgrades!

 

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Written by trustone3

Storms Can Cause Serious Roof Damage

Storms Can Cause Serious Roof Damage

With the intensity of recent storms increasing, a lot of homeowners are wondering if these natural occurrences can damage their Roof. The short answer is yes. In fact if a strong storm passes through your area I would highly recommend that you get it checked immediately.

Damage to your shingles will eventually compromise the effectiveness of your Roof and if the problem is not caught and corrected soon, can lead to large-scale issues in the future. The type of shingles you have as well as the age can also factor into the severity of your Roof hail damage.

Here are some steps you can take before calling a Roofing company, to see if your Roof may indeed have been damaged.

1. Check for damage inside your home. Water stains, or chipping paint are good signs that you may have damage that requires immediate attention. A new water stain is undeniable pRoof that new damage has occurred and your Roof has been compromised. If left untreated, you run the risk of damage underneath your Roof as well as the interior of your home.

2. Dents and blisters on your Roof caused by hail is a sure warning sign that damage has occurred. While it may take longer for the damage to present itself in the form of water leakage, chances are good it will get to that point. Just because there is no damage obvious from inside the home, don’t be lulled into a false sense of security.

3. Get a free professional inspection. Local Roofing contractors will inspect your Roof for free to see if they can find any evidence of storm damage. You can usually count on them to give a fair assessment of the Roof because they are aware that your insurance company will send their own inspector if you file a claim. The Roofing company will make itself available to meet with your insurance company so the two can agree on damage, cost and remedy for your Roof repair. In most cases the Roofer will be allowed to do the repair.

4. Get a written estimate on the cost of the job. The insurance company will issue the check directly to the Roofing company to avoid any chance of the homeowner pocketing the money and never getting the repairs completed. Because of this you need to get the Roofing company to agree to the type of repairs and the total cost involved. This will ensure that all the costs of the repair will be covered by the check and there will be no surprised that will be necessary for you to cover out-of-pocket.

There is no doubt storms can cause serious damage to one of your most important investments. The cost of a new Roof can be substantial and the cost of not having a damaged one repaired can be even worse. It pays to be informed before beginning the Roofing process to ensure that all your hail damage repairs are met.

 

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Written by trustone3

Hail Roof Damage – What to Look For

Hail Roof Damage – What to Look For

If you live in an area that is subject to hail, then you will want to know how to detect hail Roof damage so that you can claim it with your insurance company.
It does take a trained eye to easily spot it with one look. But if you know what to look for, you can survey your own Roof for a preliminary look.
If you have a good idea that you do have Roof damage caused by hail, you can then call your insurance company for their own surveyor with more confidence.

Gutters And Vents

According to experts, gutter down spouts are a good place to look for signs of damage as are vents. It would be a good idea to walk around and do a visual inspection of these areas after a hail storm.

Granules

If you have asphalt shingles, what you would need to look for are asphalt granules that have been knocked off.
If you have just gotten a new Roof put on, you might get granules from the new shingles for a little bit until your Roof gets worn in. What you will need to look for is an excessive amount, much more than usual.

Dings

If the hail is strong enough to create a dent by dinging our metal gutters, then it is probably also strong enough to damage your Roof.

Walk Your Roof

Do this only if it is safe. What you are looking for are little dings. If you see more than 1 every square foot, then you will need to get your Roof replaced.
Once damaged, moisture can cause your shingles to quickly deteriorate and start to let water into your home.

If you see that you have hail Roof damage, then it is time to call some Roof contractors who are certified for hail damage repair out for some quotes.

Roof Replacement Needed Because of Hail Damage – Should My Insurance Company Pay For It?

If you live in a city where high winds and hail are just a part of life, your home can be damaged by these and you may not be aware of it. Now you’re probably like most people and wonder if it’s worth making a claim for something that didn’t do “noticeable” damage? The answer is YES. Both wind and hail storms can seriously affect the integrity of your Roof, Siding, windows and gutters without leaving obvious damage. The result could be a major costly problem in a year or so, and by then it will be too late to have the insurance pay for it. Why? Because there is a time limit with most insurance carriers on how long after a storm that you can still file a claim. Now after that time period is up, your insurance carrier will not only agree that you have storm related damage, but the may also deny any future claims because you never had the necessary repairs made.

Most people are understandably confused by the claim process. Unfortunately there are a lot of myths out there, some of which are: If I file a claim, then I’ll lose my coverage or it will raise my premium. FALSE. There are state laws in place to protect you from that happening. The Insurance Company will send its own Roofer out to do the work and I won’t have any say over the quality or schedule of the work. FALSE. You the homeowner are responsible for choosing the contractor that you are most comfortable with. My Roof is new so it’s covered by the manufacturers warranty. FALSE. Warranties become null and void after a storm has caused damage.

So to conclude if there was a hail storm in your area or you suspect damage call a professional company to determine whether or not you should file a claim for storm related damage.

 

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Written by trustone3

Tips For Handling Hail Damage to Your Roof

Tips For Handling Hail Damage to Your Roof

Do you live in a region of the country that’s impacted by hail? If so, have you ever stopped to wonder what all those frozen balls of precipitations might be doing to your Roof? If not, maybe you should.

Here are some tips on how you make hail damage less of an ordeal for both your home and your bank account.

If the storm is already in progress, don’t risk life and limb to try to protect your Roof. It is already too late. If your hometown is prone to hailstorms, take proactive, not in-progress, measures to mitigate the destruction.

Make a visual inspection of the possible damage. The trees and shrubs around your home can provide clues. If they have been stripped of their leaves, there’s a good chance your Roof may have sustained damage as well.

If your metal patio furniture or exterior vents show dings, you might want to call in the Roofing inspector. Ditto on car dents and/or cracked windshields.

While you wait for the Roofing contractor to repair your Roof, take measures to prevent any further financial headaches. Roofing Insurance recommends, “Cover any broken windows and holes in your Roof so that no water can enter and damage your home’s interior.”

File a claim with your homeowners insurance. Hail damage is usually covered by all such policies, so make sure you get a receipt from the Roofing contractor and make copies of it.

Do your due diligence in selecting a Roofing repair company. There are a few complaints from “citizens who paid for Roof work in advance and then had companies skip out.” The newspaper also related incidences “where contractors came in, low-balled estimates to get a contract signed, then charged considerably more after the Roof was completed.” Heeding this advice is especially important if your entire region of the country has been hard hit by storm damage. Fly-by-night Roofing companies tend to creep out of the woodwork in the face of disaster to prey on unsuspecting victims.

Don’t turn your Roof repair into a neighborhood circus. Roofing Insurance warns, “Allow only the insurance adjuster and Roofer you have selected to get up on your Roof. Each time someone walks on it, more damage can occur.”

Ask your chosen Roofer for pRoof of workers’ compensation and liability insurance. You don’t want to be left holding the liability bag if they get hurt or damage someone else’s property in the course of their work.

If the possibility of future hail damage exists, ask your Roofer to use hail resistive Roofing materials when repairing or replacing your Roof.

Have your finished Roof inspected and make sure you’re satisfied with the completed results before handing over final payment.

 

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Written by trustone3

Important Steps to Take for Hail Damage on Your Roof!

Important Steps to Take for Hail Damage on Your Roof!

A Roof is very susceptible to hail damage from a storm. When such strong weather happens, it can create a minimal to severe loss. The impact may cause: dents; holes; pockmarked paint; chipped or split tiles; and granular loss. Several subsequent symptoms may appear that strongly suggest that such damage has occurred.

One way to avoid spending too much money for repairs if the housetop is damaged from a storm is to have homeowners insurance that will handle necessary repairs and replacement. If the structure is insured, a claim can be filed and the insurance company will send an estimator to assess the extent of the damage.

The housetop must be inspected by a trained and experienced estimator to be sure that all the loss is properly noted. Even if the inspector only finds minimal damage, an insurance claim should still be filed with the insurance company.

Following are indications of major hail damage:

Dents and Pits – This is major evidence of storm devastation. It may differ based on the angle of the structure. When hail strikes, flat housetops may have deeper dents compared to pitched ones. The appearance of damage will be greater on metal Roofing than on asphalt shingles or slate.

Paint Disturbance – Some housetop materials are painted with different colors for beautification purposes. If hail hits this material, it may cause flaking of the paint which can lead to pockmarks. These marks are very unattractive and cause a very negative impression of the entire Roof appearance even if the damage is not that severe.

Granular Loss – The most commonly used material on Roofs is asphalt shingles. After a hail storm, this type of material will sometimes develop granular loss. If this happens, nail heads will begin to show and this could be the start of a leaking Roof. The difference between normal granular loss and severe weather destruction is the shape. Normal wear and tear has a uniform granular loss while hail impact is circular and more localized.

Damaged Wood and Tile – Hail size may range from approximately pea size up to softball or grapefruit size. Because of this, the power with which it strikes a surface can contribute to severe damage to the Roofing materials. This frozen water form that falls on the housetop may chip, fracture, scratch, and split wood or tile shingles.

Knowing the indications of hail damage is vital in determining a plan of action to address the Roofing system’s need for repairs or replacement. If these indications are observed during an initial assessment, the homeowner should check their insurance policy to ensure that they carry property damage coverage and then file a homeowner’s claim. After taking this initial step, a Roofing contractor should be called to also examine the Roof and prepare an estimate of any destruction related to the hail storm. Under most circumstances, insurance companies prefer to make their own estimates and will send an estimator to prepare a detailed appraisal of the related storm loss.

Thunderstorms which produce hail stones can be very detrimental, particularly to the Roof which serves as the covering of the house. The extent of the destruction is not always clearly apparent during a homeowner’s initial inspection. Therefore, it is important to call experienced professionals to perform an assessment. An estimator will prepare an itemized list of damages which will then be reviewed by a claims representative for payment.

If the impact of the hail has not been severe, repair work can be initiated when the homeowner and contractor can find an acceptable date to start the work. If the impact of the hail is severe, some initial work may have to be done to mitigate any further interior losses until the complete repair or replacement project can begin. The next and final step will be to enjoy the results of the contractor’s work, hopefully for a very long time!

 

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Written by trustone3

Checking Your Roof for Hail Damage

Checking Your Roof for Hail Damage

When the seasons change, there comes the change in the weather. With the summer and spring comes heavy rains, and sometimes there is a sudden drop in the temperature and hail is formed. Hail can be an amazing feat of nature, but it can also be one of the worst things it created because hail can rain down from the sky and cause a lot of damage to homes and cars. Every year, insurance companies pay homeowners and car owners thousands of dollars in insurance damage claims. Have you had a hailstorm lately and you are wondering if your Roof was damaged? Here are some tips on how to check your Roof for hail damage.

Where to begin

Grab your ladder and when you get up on the Roof, the first thing you check is the drain downspouts. A sign of Roof damage may be deposits of black mineral around the downspouts.

Gutters

Hail is basically small rocks falling from the sky, so if you take a close look at your gutters you will see noticeable dings from the hail. This may be the first sign that the last hailstorm might have damaged other parts of the Roof as well.

Check your yard

If the storm was bad, there may have been high winds along with the hail. Once the storm is gone, or the next morning, go outside and see what is in your yard. There may be debris in your yard like tree branches, but is that all? Do you notice if there are any shingles in the yard? If the wind was bad enough to knock shingles off of the Roof and hail was able to hit exposed Roof, then this is a definite sign that your Roof might have hail damage.

Ceilings

If the Roof is damaged, you may see water stains on your ceiling or you may even find a leak.

Shingles

If you have a Roof that is covered with wooden shingles, you need to take a close look at them. There may be spots or dimples in the wood that came from the hail striking the wood.

Talk to your neighbors

How close are you to the people in your neighborhood? This may be a good time to introduce yourself because they might be in the same boat as you. However, everyone has a busy life, so you might not be able to talk to them. If you notice that the people in your neighborhood are having their Roofs inspected or even repaired, this may be a clear sign that the storm and the hail were bad enough to damage the Roof.

Hail is frozen pieces of rain that fall from the sky during the spring and summer seasons. Hail can be really neat because it can come in a variety of shapes and sizes, but falling hail can also cause a lot of damage to your home. If you recently had a hailstorm, you might want to contact a Roofer for a free inspection to see if you have any hail damage.

 

Written by trustone3

Roof Insurance Claim Process – Easy Steps Worth Considering

Roof Insurance Claim Process – Easy Steps Worth Considering

The Roof is a vital part of every building. It suffers from harsh weather, such as hail, storm, rain, snow and much more. When Roof needs big repairs or replacements, it is necessary to get ‘Insurance Claim.’ Roof Insurance Claim Process seems to be a daunting task at first because you do not know from where to start. There are possibilities of confusion in the complete process, such as whom to call first a Roof contractor or Insurance Company. However, it is important to get accurate information about the process of an insurance claim to avoid any kind of hassles and to get the maximum claim amount from the Insurance Company.

Here are the steps to follow to get insurance claim

Step 1

Detecting the cause of Roof damage is often difficult. When you consult Insurance Company, the experts of the company visit your place and analyze the cause of the damage. You can schedule the appointment with the adjuster according to your convenience.

Step 2

The adjuster of the Insurance Company will tell clearly, if the claim can be filed or not. After the assessment by the adjuster is done, within a few days they will send an overview of damages and the first claim check. This check is half the amount of the replacement and the repair of the Roof.

Step 3

The final payment will be made after the process of analyzing the Roof damages is accomplished. The insurance company and the Roofing contractor analyze the damaged Roof properly and claim will be made accordingly.

Step 4

After getting estimate of the damaged Roof repair cost, the Roofing Company reviews the inspection reports and handle the negotiation on your behalf.

Different Insurance Companies may handle the claim process in dissimilar ways. However, it is vital to ask relevant questions to the adjustors of the Insurance Company to clear your doubts. Also, you must make sure that the they minimizes your efforts and help you in providing all possible Roof damage claims. After the process of insurance claim gets over and new Roof is installed, ensure to provide timely maintenance.

The process of getting a Roof insurance claim is quite difficult and full of hassles. But, it is important to get a precise knowledge of the claims. Many insurance companies will confuse you and offer less insurance coverage, so it is vital to look all the factors when going to take insurance claim of your Roof damage.

 

Written by trustone3

How to File a Roofing Insurance Claim

How to File a Roofing Insurance Claim

Insurance Claims Are Intimidating

Dealing with insurance claims can be intimidating. That’s usually because you really aren’t sure where to start. Do you call your agent first? Do you call a Roofing contractor? What can you and can’t you sign? So many questions that need answers. Let’s dig in and see if we can’t clear away some of the clouds.

Do you know where your homeowner’s policy is located? If you’ll pull that out, we can start by identifying whether or not there’s a claim phone number for you to call. After you’ve identified the claim number, you’ll want to look through your policy to find out how much your Roof deductible is going to cost you.

Find Out How Much Your Roof Deductible Will Be

Many policies have separate policies for wind and hail damage to your Roof. For example, a claim filed because of a hail storm would have a different deductible than a claim filed for a slab leak. You’ll have to look through your paperwork to find out. Look for the words “storm” or “hail” or “wind” deductible.

Not that your Roof deductible should matter, but the truth of the matter is that it does matter. If you’re deductible is 5% and your home’s value is $350,000.00, you’ll be stuck with a $17,500.00 deductible. While it is possible that your Roof could cost more than $17,500.00, it is unlikely that you’ll realize much benefit from filing the claim unless you have an extremely expensive Roofing product like slate, stone-coated steel, aluminum, slate or a heavy shake wood Roof.

Call Your Local Insurance Agent

Once you’ve identified whether or not you want to push forward based on your homeowner’s deductible, you’ll want to call your local insurance agent and let them know what happened. Did you have a hail storm? Are there shingles that were blown off your Roof? Tell your agent exactly what happened and give them the date of loss. That’s important because they’ll be passing this information along to your insurance adjuster who will come out and inspect the damage before writing up the claim and cutting a check.

Schedule With Your Insurance Adjuster

You’ll most likely have to wait 24-48 hours for their insurance adjuster to call you. Most of the major insurance companies will either have local claim adjusters available or they’ll bring in catastrophic crews to help out in a major storm event. When the adjuster calls, ask for them to visit on a day and at a time when you’ll be home. It is always a good idea to make your own list of damaged property in advance of your adjuster’s visit. You may also want to get in touch with a good local Roofing company to help represent your best interests with the insurance company. Together, your Roofing contractor and your insurance adjuster will develop an estimate of damages.You can avoid Roofing scams by doing your homework first.

 

Written by trustone3

Hail Damaged Roof – Professional Tips That Will Save You Time And Money

Hail Damaged Roof – Professional Tips That Will Save You Time And Money

Roof damage due to hail is quite common. If you too own a home, you can save a considerable amount on your Roof repair by taking some proactive steps to protect your Roof against hail damage.
By taking definitive steps to mitigate the affect of these frozen balls of precipitation on your Roof, you not only ensure longer life of your Roof but lesser Roof repair expenses as well. For instance, it will be a good idea to invest in hail resistive Roofing materials.

To help you judge the seriousness of matter you should know that in the recent times, hail storms have produced baseball-sized hail.

These have already caused extensive damage to Roofs of residential properties in major cities as well as the suburbs. Given the size of the hail, you can easily imagine the degree of damage that they can cause to your Roof, especially if it is made of asphalt shingles.

It loosens the protective granular surface of the shingles and makes them highly susceptible to cracking and breaking.
Unless you remove the hail from your Roof almost immediately after the storm has ended there is a high chance that your Roof will also show signs of water seepage.
This in turn can lead to dampness, leaking Roofs and discoloration of the ceiling and the attic.

In order to fix the hail damage caused to your Roof, call a professional Roofing contractor in your area to do a thorough inspection and identify and remedy any Roofing problem caused by hail.
The down spouts are most likely to be show signs of hail damage. Hence inspect them more carefully. If you see any dings in gutters, you need to ascertain the extent of hail damage caused to them and fix it.

In case your Roof has undergone serious wear and tear due to a hail storm, you can file a claim with your homeowners’ insurance provider to recover the amount that you will end up paying for Roof repair or replacement.

If you install a Class IV hail resistant Roof in your home, you can not only restrict the degree of hail damage to your Roof but also lower your home insurance premium significantly.
As for repairing Roof hail damage, it is strongly recommended that you contact certified contractors who know their job inside out.

 

Written by trustone3

How to Identify and Repair a Hail Damaged Roof

How to Identify and Repair a Hail Damaged Roof

Being professional Roofing contractors we know all too well the damage hailstorms can do. Hailstorms produce balls of ice ranging in size from a few centimeters up to nearly 6″ in diameter. A 6″ piece of hail is pretty rare, and would certainly do major damage to your home, but even the more common, smaller hail frequently does enough damage to Roofs and Siding to require major repair work.

Hail damage is not always easy to detect, especially if you have a two or three story home and cannot easily access your Roof. Hail damage can leave your home exposed to potential water damage as well as limiting the lifespan of your Roof. Because of this you should identify and deal with damage as soon as you can. If you wait too long you may also be denied by your insurance company when you finally get around to filing a claim for the repairs. Have there recently been any hail storms in your area? Do you suspect your home may have been damaged? The following steps will help you determine if there was any damage and outline the steps to getting it repaired.

Step One: Check around the exterior of your home for visible damage. Look for things like freshly damaged paint or dents in the Siding. If you are able to safely access your Roof, look for missing shingles or shingles with blisters or dents. Also, check for dings and dents in your gutters and downspouts.

Step Two: Check inside your home for visible damage. New water stains on your ceiling or running down your walls is a problem that needs to be immediately addressed! If you don’t fix a Roof leak in a timely fashion you could end up having to completely replace your Roof, in addition to major repairs do to water leaking into your home.

Step Three: Contact your insurance agent right away and make sure they are aware of the damage. They will probably have one of their adjusters out to evaluate your home and prepare a cost estimate for the repairs.

Step Four: Contact your own local Roofing contractor for an independent evaluation. Even if you trust your insurance agent and their adjuster, you should always get a second opinion from a Roofing contractor you trust. Because they don’t work for the insurance company they should be less biased in their assessment. Usually the Roofing contractor you contact will be willing to communicate with the insurance company if there are any discrepancies in the two evaluations.

Step Five: Get everything in writing. The Roofing contractor you decide to hire should provide you with a contract detailing the work to be done and what it will cost. You insurance company should also provide you with paperwork about the details of your claim. Cover yourself by getting as much as you need to feel comfortable in writing.

It only takes a matter of minutes for a hailstorm to do an amazing amount of damage to your Roof. As soon as the storm passes begin the process of determining the damage and contacting your insurance company and Roofing contractor. If you wait too long it may be too late!

 

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