Written by trustone3

Filing A Roofing Insurance Coverage Claim

If hail, high winds, or other storm damage has left you needing a new Roof, you are entitled to make a claim on your homeowner’s insurance coverage. Depending on the insurance company, your Roofing service provider may be able to deal directly with the insurance company. In some cases, you will need to file the claim yourself.

The initial step in making a claim is to call your insurance company. They’ll make an appointment with you to send an adjuster out. Get the adjuster’s name and telephone number. It’s a great idea to have your Roofing professional at the meeting as well so they can go over the situation in person. If your insurance claims adjustor determines that you have no damage to your Roof, you are entitled to a reinspection by yet another adjuster. Don’t be shy about asking for this.

Usually, the complete cost of the replacement is covered, minus the deductible. The amount of depreciation based on the age and condition of the home is taken into consideration. The first check represents the Actual Value of your present Roof. If you have a home loan, the name of the home loan company will definitely need to endorse the check in addition to you.

When the replacement has actually been finished, your insurance company will issue a 2nd check for the recoverable depreciation. If you are using a reputable Roofing contractor, they should be able to help you get the full amount you are due. Nonetheless, stay clear of making any profit on the deal, as this is insurance fraud, which is a federal offense.

If your Roof is found to be damaged, but can be repaired instead of replaced, you will certainly not obtain full replacement value. Your Roofing company might be instrumental in helping the adjuster to completely examine the damage. That can help you to receive the most appropriate solution to your problem.

Hail damage, in particular, may not be apparent to the untrained eye. If your Roof has actually been exposed to a hailstorm of more than just a couple of minutes, even if the hailstones are small, you ought to have a Roof assessment by a professional trained in hail assessment. The adverse results of hail damage might not become noticeable for some time, at which point you may no longer be able to file a claim.

Ensure that you fully understand your insurance protection and your obligations before you need to file a claim. Read through your insurance contract, and ask for clarification on anything you don’t comprehend. Considerable Roof damage can occur easily, and replacement is costly, so it’s smart to be sure that you have the coverage you need.

Written by trustone3

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. These deductibles can be up to several percentage points of your home’s value.

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.

Written by trustone3

How to Get Your Insurance Company to Replace Your Roof

Your insurance provider is supposed to pay for your Roof when it’s been damaged by a storm. However, they often fail to cover damages that don’t fit their criteria. Damage can be defined differently by an insurance company and an adjuster may not approve the claim. So, in this article I explain the steps you need to take to ensure that your insurance provider will replace your Roof.

Insurance companies don’t like to buy Roofs.

Let’s get this fact straight. Your insurance company does not want to replace your Roof. That’s right, that monthly payment you’ve been handing over for years doesn’t mean much to an insurance provider. Why is this so? Well, because of their bottom line. That’s right, money. Hey, it’s a business. When they replace your Roof they lose money. This may seem a bit tough but I’ve been in the contracting business long enough to know this. But, if you have storm damage and you follow this guide I can assure you that you will have a great case for a new Roof.

Step 1. Contact a Roofer

Let me say this, if you think you can get your Roof bought by your insurer than you should think again. Though it’s not impossible, it’s unlikely. There are a host of credible Roofers out there that are trained at getting Roofs replaced. Find a few Roofers in the phone book or online and then call them. Ask them if they have experience with insurance claims and if they are willing to meet with your insurance adjuster. Within a couple of phone calls you will have a company that’s knowledgeable and that’s willing to help.

Step 2. Inspection

Get your chosen Roofer to inspect your Roof for damage. He or She should do this for free. He or She should know in a few minutes whether or not you should file a claim. This initial inspection will allow the Roofer to locate the damage that he will display during the adjuster meeting.

Step 3. Meet he adjuster

Once you have filed your claim an insurance representative should call you within 72 hours to set an adjusters appointment. Let the contractor that is going to replace your Roof know about the date and time of the inspection. The contractor will be acting as your representative and should be able to get your claim approved.

Step 4. Replace your Roof

If your claim is approved your insurance provider should be sending you an estimate and a check for the present value of your Roofing system. Upon the installation competition your insurance company will send the depreciation check through the mail. Before you pay a contractor you should get an estimate from him or her. Often times this estimate will be written by your contractor which will mirror your insurance provider’s estimate. This is standard. You must have this for protection against unforeseen costs.

By following this basic guideline I can assure you that you will get your Roof replaced if you have storm damage. Insurance corporations are not easy to keep accountable when you are the one meeting your adjuster or trying to handle the claim yourself. Remember to call an experienced contractor, preferably an established contractor in your community that has been around a while. Good luck.

Written by trustone3

What to Find Out About Homeowner’s Insurance Before You Get Roof Repair

If your home’s Roof is in need of some attention, you should contact your homeowner’s insurance agent to find out how to get Roof repair. This way you can avoid paying more than you expect.
If you are dealing with Roofing issues on your home, it may be time to get Roof repair, in which case you are probably thinking about contacting your homeowner’s insurance company. However, the repairs will not necessarily be covered, depending on your policy. Before you assume that everything will be paid for, find out a few details that have to do with your insurance provider. You can usually get the answers you need by talking to your agent.

The first thing to do is to read through your policy booklet to find out what is covered. You may have more or less coverage than you assumed. One thing to be aware of is that most providers will only cover Roof repair when it is done with materials that are equal to what you currently have on your home. This means you cannot upgrade to a better part without paying the difference and having it approved by your provider.

Another thing to look for is a list of exclusions to the coverage. Most policies cover all the costs of repairs that are necessary, such as leaks. However, if you just want to replace the entire Roof to make it look nicer, or if wear and tear over time has some of your shingles looking a little worn, know that these types of repair are not usually paid for since they are not necessary. Also, keep in mind that some policies will not cover Roofs that are particularly old, meaning that they may be excluded from coverage so you will have to pay to get them fixed or replaced. Your agent or policy book can let you know these answers.

Before you get a Roof repair, you should find out what you will pay. Your deductible is probably about ten percent of your current property value. Since the value of your residence changes every year or so, this amount will also change so make sure you are looking at the correct deductible. You will probably notice that this amount can be quite high depending on how much your home is worth, and in some cases, it is more expensive than the repairs anyway. If this is the case, it does not usually make sense to file a claim since you will end up paying the entire cost yourself, as well as possibly increasing your insurance premiums. In fact, if you file excessive claims, your policy could be canceled altogether, so be sure to think about the consequences before you file a claim for which the deductible is practically equal to the cost of repairs.

If you are about to pay for Roof repair and need the help of your insurance company, you should make sure to find out these details first. Otherwise, you could end up footing the entire bill unexpectedly, or having your policy canceled by your provider due to too many claims. You can find out more from your agent if you remain undecided, and some Roofing companies may also be able to advise you since they work with providers often.

Written by trustone3

What Every Homeowner Should Know About Emergency Roof Repair

As tough and durable as it may be, your Roof was not designed to stand up to extreme weather. The high winds and driving rains that come with most major storms can do serious damage to the essential structure – not to mention lightning, hail, and falling trees. What should you expect when you request emergency Roof repair? Let’s find out.

When To Call

Before we discuss repairs, it’s important to explain what qualifies as a Roofing emergency. As we mentioned, damage to the structure during a strong storm is to be expected. But not all damage requires immediate attention. Missing shingles, small leaks, and overflowing gutters do not rate as emergency situations. If you contact a service provider with those problems either during or after a storm, it is highly unlikely they will respond immediately. Those are, after all, issues that can be addressed on a scheduled visit.

As a general rule, immediate attention is needed when the structure is compromised and allows water infiltration. In this instance, the service provider will install a temporary protective covering, such as a tarp, to prevent further interior and structural damage. Permanent Roof repair can then be completed at a later date.

When To Expect Service

If you call during a storm, do not expect an immediate response. There’s honestly nothing a crew can do when high winds and heavy rain are raging all around them. In most cases, they must wait until the storm passes before they start making house calls. Depending on the damage and the time of day, the team may either cover the exposed area with a tarp or perform temporary patchwork. They might, for example, use aluminum flashing to cover missing shingles, small holes, and other exposed areas.

Permanent Repairs

When the damage is caused by a fire or a fallen tree, timely Roof repair may be impossible. Because both events are likely to cause structural damage, the entire Roof may have to be removed and replaced. To determine if complete replacement is required, inspections must be performed on the structure before any work can be done.

How To Proceed

If your phone is still working, you can contact a local contractor and request emergency Roof repair. As we mentioned, they probably won’t show up on your doorstep until the storm passes. You can also report the damage to your insurance provider. This may help expedite the claims process when you submit the estimate for repairs. You should also explore your options once the contractor has completed the initial inspection. Lastly, it is extremely important to document all damage in writing and with photos. This information must be submitted to your insurance provider in a timely manner.

A Word Of Warning

We should also add that attempting any Roof repair on your own is an incredibly bad idea. Hundreds of homeowners are seriously injured each year because they think they can fix a minor problem with a little elbow grease. In the end, this dangerous work is best left to the professionals. This goes double when the structure has been compromised and is in need of immediate attention.

Written by trustone3

Roof Repair – A Simple Approach Before It Gets Worse

A simple crack, a small leak, and minor Roof damage can still bring major consequences if left unattended. Emergency Roof repair can be done in order to prevent the problem from spreading. Although it does not necessarily fix the problem permanently, it at least buys you some time to contact a professional Roofer.

Start from checking the problem inside the house. You should identify which parts of the house are affected by a Roof leak. This can help you estimate how big the affected area is and how much Roof repair is required. Watermarks in the ceiling don’t necessarily say the problem is right above it, though. If the Roof is built at a higher angle, the crack may be found on a different location.

Once you have identified the areas for Roof repair, you then need to find out if this problem is caused by weather conditions or the Roof structure itself. If the Roof is built sturdily, but the materials used cannot withstand its environment (strong winds, storms or hail), this would still cause you some serious Roof problems in the long run. If it were caused by a poorly designed Roof structure, it would be best to contact your contractor immediately and raise those issues for a permanent fix.

Aside from taking into consideration what had caused the Roof damage, you also need to consider what type of Roof you are dealing with. Roof repair for cedar shingles won’t necessarily apply if you’re dealing with asphalt shingles. It is best to check all the materials and tools needed to fix the job.

For example, in dealing with wooden shake Roofs, you need a hammer and chisel to detach the broken shake from the area and a hacksaw to cut off the old nail heads that are protruding. Once done, replace the broken shake with a new one, making sure that its size is smaller than the previous one so as to provide a small space for the shake to swell in.

For shingle Roofs, you may just need to flatten out any curled shingles back to its place with a hammer. There are also cases when you have to warm the shingles up with a torch before you can flatten them because they have stiffened up due to cold climate. Roof repair for flashing between Roof pitches or valleys and drainpipes require you to scrape it first with a wire brush before applying generous amounts of Roof cement to seal those gaps and cracks completely.

These simple applications in Roof repair should be considered as a quick fix for those small Roof problems. This will at least give you an idea where and how to deal with it. If you found out that the affected area is bigger than you have thought, consulting a professional Roofer for a permanent solution would still be the best approach in dealing with these Roof problems.

Written by trustone3

Filing an Insurance Claim for Damaged Roofing

Roofing maintenance on your home is essential not only for protecting your family and home from the elements, but also for ensuring that your insurance will pay for damages, in the event any occur, down the road. Daily Finance advises that, if damage is caused to your home by your failure to solve an existing problem, you should not bother to file a homeowner’s claim as it will likely be denied. You should perform regular inspections of your home’s Roof and address even the smallest problems such as curling or missing shingles, broken seals and pipe boots, and ponding water. Doing so will eliminate the possibility of your insurance denying a claim due to negligence on your part. Additionally, maintenance will help your Roof last longer, and ultimately protect the value of your home.

Review Your Policy in Advance

Do not wait for legitimate damage to affect the Roofing on your home before you familiarize yourself with your homeowner’s insurance policy. Knowing up front what type of coverage you have will save some time when damage needs to be repaired.

Typically, your insurance agent will not be the one to handle your claim, but he will be able to provide you with contact information for the company’s claims department. Even though a claims adjuster will be assigned to inspect the damage to your home, the investing research website ZACKS recommends that you take your own photos.

Have an Expert on Hand

Though many homeowners assume that they will need to collect a number of estimates from Roofers before the insurance company will pay for the repairs, that is not typically true. It is actually to your benefit to instead have a single experienced and qualified Roofer present when the adjuster performs his or her inspection. With their knowledge and familiarity of all types of Roofing and the damage it can sustain, a contractor will be able to discuss the claim in an informed manner with the adjuster. That will increase your chances of getting a fair settlement from your insurance.

Dealing with insurance claims can often be intimidating. If your Roof has been damaged, but you are dreading the claims procedure, Elevated Roofing is ready to help. They are the Roofing contractor homeowners can count on to be in their corner. Elevated Roofing is happy to meet with the adjuster and negotiate on your behalf to receive a fair settlement. They will repair or replace your Roof using quality materials and superior workmanship, and will provide support during every step of the insurance claims process. Take care of Roof damage sooner, rather than later.

Written by trustone3

Frequently Asked Questions About Roof Replacement Insurance Claims

When it comes to replacing your Roof, you must decide whether to pay for it out-of-pocket, or to go through your home owners’ insurance carrier. Since Roof replacement is a major part of why many people have homeowners’ insurance policies, filing a claim is the most common route. However, if you do choose to file a homeowners’ insurance claim for Roof replacement, be aware that there are several factors involved in the claim process. For this reason, it is important to do your research in order to understand what to expect when preparing for a Roof replacement insurance claim. Continue reading to review some of the most frequently asked questions regarding Roof replacement and insurance claims.

My Check is Less Than The Cost to Replace My Roof. Why?

An insurance adjuster reveals his estimate for the cost of your Roof, but then makes two major deductions: your deductible and depreciation/betterment. Continue below to learn the meanings behind them.

What Do All These Insurance Terms Mean? Betterment, Depreciation, RCV, ACV?

Depreciation is the loss of value in an asset, as a result of age, wear, and tear. In contrast, betterment is a term that refers to an improvement that adds to the value of a property or facility. The current retail cost to replace the total amount of damaged or defective Roofing materials is called the replacement cost value, or RCV. The actual cost value is abbreviated as ACV, and represents the actual cash value of a Roofing system. The ACV takes into account general depreciation. This depreciation is usually paid once a final invoice is submitted.

The Adjuster’s Estimate Does Not Seem Accurate. Is it a Final Estimate or Can I Dispute it?

A final estimate from an adjuster is not necessarily set in stone. If an estimate from your Roofing company is different from your adjusters, there is no need to worry. It is important that your Roofing contractor and your insurance adjuster communicate on several areas of concern, in order to reconcile some of the discrepancies in the final estimate. If you are compelled to dispute certain depreciations, you would need to file a claim within the company, work your way up through the chain of command, and present your evidence as to why the depreciation estimates are inaccurate or unreasonable. It helps to have your Roofing contractor assist you with these types of claims because they can provide professional documentation of what they think is a fair resolution.

In Total, How Much Will it Cost Me to Replace My Roof?

With homeowners’ insurance, you will only be paying the deductible and any upgrades you choose. You might have to pay for the entire Roof replacement upfront, and then get reimbursed for it through a check sent by your insurance carrier. Some insurance companies operate this way to avoid fraud.

I Found a Roofing Company That Says They Will “Cover My Deductible.” Is This Legitimate?

No one should pay your deductible except for you. If a Roofing company advertises that they will “cover your deductible”, it is an unethical and improper way of doing business. A reputable Roofing company will never advertise this. Furthermore, a sign allowance can be a disguise for a “cover your deductible” scam. If they offer a referral fee, in order for it to be legitimate and ethical, the fee must be the same whether a Roof is purchased or not. Also, it must be reported as taxable income.

Written by trustone3

Insurance and Roof Replacement Costs

Home owners insurance is useful as there may be unanticipated repairs on one’s house. The Roofing is especially essential as the Roof protects the rest of the house from weather elements like rainfall, hail, snow, and high winds. As much as the idea of home owners insurance is reassuring for the homeowner, there are a number of pitfalls when it pertains to dealing with insurance claims.

For a homeowner looking to file claim with their insurance, it is best that the homeowner first consult with a qualified Roofing contractor prior to filing insurance claims. Furthermore, it is very important that the homeowner reviews his or her home owners insurance policy. Some typical exclusions that the insurance company might not cover are total replacement, materials, and older Roofs. However, they do this to guard themselves from unneeded expenses and fraudulent claims.

Regarding complete replacement, insurance companies do not cover damage that stems from incorrect maintenance or damages, which can be prevented if the home owner is mindful of the condition of the Roof. Regarding materials, utilizing slate shingles or cedar shakes could be reasons why insurance companies do not replace Roofing with such materials. Insurance companies might also not cover replacement of older Roofing (with a Roof life span of 10– 20 years old) because, like health insurance, older materials are more high-risk and the company gets the short end of the stick.

By talking to a Roofing contractor you will have someone that can lead the home owner throughout the replacement procedure. Many of the instances when the homeowner consults with the Roofing contractor are whenever the home owner seeks an insurance claim after the house was damaged by a thunderstorm. Homeowners know they need to have the damages repaired so they file an insurance claim. Adjusters frequently fail to see the existing damages or they also underestimate the damages. The homeowner may also be riddled with a lot of additional expenditures not covered by insurance. Contractors assist the owner in determining the problem and they also assess the damages.

With the help of a contractor, one can be assured that the Roof life span can be extended by a number of more years with proper evaluation of the damage. The contractor’s help can also provide the home owner with adequate information to help handle insurance adjusters. The Roof life span is important to all home owners. A correctly kept Roof protects the home’s beauty and also delivers adequate protection for its occupants for lots of years to come.

Written by trustone3

Roof Inspections

Roof inspections are important to have done periodically for numerous reasons. One reason is to prevent leaks before they become out of control.
Another is to make sure your Roof is in good standing order after a storm or severe weather, otherwise you might be due for a replacement thanks to your insurance company.
There are a few different factors to consider while inspecting a Roof, and a few different things to look at.

One important time to have a Roof inspection done on your home is after a severe storm has hit. Often times heavy rain, hail, and high powered winds will damage numerous shingles on your Roof.
Another thing that can happen without you noticing is over time continual rain can wear away the singles that are on your Roof. During a full Roof inspection you will have your shingles inspected, check for any areas that have the potential to leak, and check the overall condition of your Roof.

So how often should people really have their Roof inspected? A moderate number would be around twice a year. This should be more than enough to take care of your Roof.
The only time you should break your regularly schedule inspection times is due to an emergency or potential damage that has been caused by a natural disaster.

The main thing a Roof inspection can lead to is repair. If there is only light damage and just a few shingles here and there that are no longer doing their job they can be replaced easily.
If you have a severely damaged Roof that will take extensive amounts of repair your best option might be to have your entire Roof completely replaced. This will involve repairing any wood, wrapping the Roof again, and putting on fresh shingles to give you that full protection from the elements while at home.

If the damage has been done to your Roof by a storm of any sort you can file a claim through your insurance company to have your Roof repaired or replaced. Your Roofing contractor can actually make your claim for you and help you through the process by negotiating with your insurance company.

This saves you the trouble of having to call your insurance company and it will only cost you your deductible in the end. It is very common that people are unaware that their Roof has damage on it so calling in for an inspection is a smart thing to do.

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