Replacing Your Roof And Moving Forward After The Storm

It happens all too often here throughout the Denver Metro area.

A quick moving storm builds and rumbles through on a summer afternoon, leaving devastation in its path. The winds kick up, hail dumps down, and before you know it, a linis your roof ready for fall Replacing Your Roof And Moving Forward After The Storme of homes becomes the latest victims of the storm. Roofing material flies everywhere, and leaks start to form rather quickly. Its imperative to take action immediately.

The first step is to contact your insurance agent to assess the damage and start the claims process. The adjuster comes out, evaluates the situation, and provides you with a loss statement that itemizes the dollar amount being allowed for each component of the damaged property. It will provide you with a variety of roofing terminology that may mean nothing to you. It may say things like:

·      The number of squares to be removed
·      The number of squares to be replaced

It may be specific about the characteristics it will cover:

·      Replace steep roof
·      Remove high roof

It may also add in an allowance for other roofing factors:

·      Roof vents
·      Pipe jacks
·      Chimney flashing
·      Skylight flashing
·      Ridge caps

And to sum up the damage, the loss statement will provide you with a total dollar loss amount – the amount they will cover for replacement of your damaged roof.

With dollar figure in hand, its time to find a roofing company to handle the repairs as quickly as possible. Yet this is where the trouble can begin.

If the insurance company gives you $12,000, for example, why would the bids come in all over the board? Why is one for $8,000, and one for $15,000?

Never take a dollar amount at face value. Roofing companies are all run in different ways, and its important to understand your final quotes before you sign on the bottom line.

Some companies may lowball the bid, coming into town specifically after big storms to attempt to bring in as much business as possible. They will use old materials whenever possible, and provide anything but quality products for replacement. Labor? They may be putting you at risk by hiring “off the books” and not having adequate insurance for the job. And when you have problem a short time down the road … they’ll be long gone.

Some companies may not provide you with a full bid. They provide you with the amount they can see, knowing full well they may add in more costs once they remove the current roofing material and find out what’s underneath. The quickest way to understand the bid from a company like this is ask where extra fees may be incurred. If they start in with a list, you know extra fees will be incurred.

In some cases, a higher bid may flush out the fact that your insurance company did not provide you with full loss value. They may be providing funds for roofing materials, leaving out funds for things like flashing with the assumption they won’t be replaced anyway. If a quote is higher, ask the roofing company why. What do they include that may not be covered in the insurance claim?

In some cases you can go back and refute the insurance company’s claim, requesting the additional funds for damage. In some cases, you may be required to make up the difference. Yet knowing will give you full knowledge of what the job entails, and help you make the right decision for your situation.

How To Move Forward With Roof Repair After A Disputed Claim

Imagine the following scenario.

Your roof is damaged in a hail storm. You call your insurance agent, file a claim, and an adjuster comes out to assess the situation. You receive a loss statement back from your agent, sharing the amount your homeowners insurance company will pay out per the terms of your policy.how to move forward with roof repair after a disputed claim How To Move Forward With Roof Repair After A Disputed Claim

With loss statement in hand, you begin contacting roofing companies and receiving quotes. Very quickly you realize the two don’t match. What your insurance company is willing to pay is not what roofing companies are quoting to fix the damage back to an acceptable format. With a big discrepancy between the two, you have one of two options.

1. Pay the difference

2. Dispute the claim

This scenario plays out all the time; it isn’t an unusual occurrence. Insurance companies have learned how to pay only minimal amounts, adding new clauses and terms that will benefit them most.

Yet that can be a shock to you, the homeowner, who assumed you would be covered, and not required to put out thousands of dollars to repair something that was beyond your control.

If you wish to dispute their determination, the first step is to contact your insurance company’s claim center and request a re-inspection.

As a part of the re-inspection process, the adjuster will contact you and discuss who you would like them to meet with to dispute the claim. If you have a roofing company you know and trust to provide honest service and workmanship, this would be the best qualified person to represent you throughout this process.

The purpose of a re-inspection  is to provide both parties with the opportunity to assess the condition of the roof together in hopes they can arrive at the same conclusion about where the damage exists and what is necessary to bring it back to working condition.

Both sides will submit what they deem appropriate given the situation. Both will support their positions. The insurance company will take both into account, and if the parties still are off in their assessment, will ultimately make the final decision and provide you with the final claim.

Keep in mind there are still valid reasons why the two numbers may never meet. But as you go through the process, you will learn more accurately where the discrepancies lie, what’s truly important to recovering your roof and bringing it back to acceptable condition, and help you determine your best course of action from this point forward.

Have any additional questions? Give us a call today.

Roofing Advice: Before You File The Insurance Claim

Whether you suspect a recent storm has caused water damage through a leak in your roof, or you’ve experienced severe damage after a major wind storm, in most cases your homeowners insurance policy provides the coverage you’ll need to fix the problem.

If you experience anything other than minor damage, your first step in the process is to contact your insurance company immediately and begin the insurance claim process. While you should take steps to protect your home from further damage, if possible, you should never make any type of repair until the inspection and claims process is complete.roofing advice before you file the insurance claim Roofing Advice: Before You File The Insurance Claim

In almost all cases, the process begins when your insurance company sends an adjuster to inspect your home for damage. In some cases, an insurance company may use estimates from one or more roofing contractors as proof of damage, and accept that rather than sending an adjuster. In either case, make sure you understand the policy and provide the insurance company what they need.

If at all possible, take photographs from multiple angles to capture the roof damage before any action begins. This will document the process and give you proof for your own records.

Roof damage is usually covered in one of two ways. You either have full replacement coverage, or your coverage will be adjusted for age and depreciation of the roof. If you have full replacement coverage, you’ll receive the full amount of damage from the final claim, minus your deductible. If your policy adjusts for age and depreciation, you not receive the full cost of a new roof, and will have to pay the difference out of pocket.

You should also consider the amount of the damage compared to the amount of the deductible before you make a claim. If you carry a $1,000 deductible, and the damage to your roof will be $1,100 in damages, it may not be in your best interest to file a claim. In this case you would only receive $100 from your insurance company, and could face an increase in premium costs because of the claim.

As a part of the claims process, the adjuster will also look at your roof and verify maintenance and neglect. If he determines that the problem was human caused, and could have been prevented with regular maintenance, the entire claim may be denied. In this case, you do have the ability to file an appeal and provide documentation to prove your case, but the final say will be left to your insurance company.

As a homeowner, your insurance company may control the amount of the claim, but you have final say in which roofing company you trust to replace your roof. A professional roofing company understands the insurance process, and will work with you to receive payment directly from your insurer, billing you for any amount not covered by your policy.

Hail Damage and Roof Repair In The Denver Storms

Its spring time in Denver, and that means new rounds of hail and tornadoes day after day. If you were hit with the recent bout of bad weather that raged across the city, you may be wondering where to start when you head outside and look at the damage. The fence and siding destruction tell you you’ve sustained a large amount of damage. But if hail was big enough to do that much damage to the side of your home, imagine what your roof sustained.

Your roof plays a major role in keeping the elements out of your home. When damage is done, it can begin to allow in even the tiniest trickle of water. Unfortunately even the tiniest of trickles can quickly add up to extensive damage.hail damage and roof repair in the denver storms Hail Damage and Roof Repair In The Denver Storms

If you’re in an area where you have a newer home, roof repair is probably the last thing you’ve had on your mind. But when damage occurs, there is suddenly a need for a lot of repair throughout your community, and that brings out the scam artists in droves.

Yes, you want and need your home repaired and back to normal quickly. But spend a little extra time to make sure you don’t get caught up in one of these:

The Door To Door Salesman

Potential business is fierce after a storm. In some cases you’ll find a door to door salesman offering to “help” you by giving you a free roof inspection. All you have to do is sign on the dotted line, and they will head up and assess it. Then if they find damage, you agree to work with them to replace your roof. The problem is many of these roofing companies are anything but legit businesses. If the damage isn’t extensive enough, they often create it. They are simply looking to gain access to insurance money any way they can. Never sign any paperwork until your insurance company has inspected the roof. Also spend time researching and interviewing the roofing company to make sure they are an genuine company that is a part of your community, and will be around long after the storm clouds go away.

The Storm Chaser

Every year the news runs stories about out of town storm chasers, also known as roofing gypsies, yet thousands fall for it every year. These storm chasers watch for large storms and descend on an area immediately after the storm. They pass out flyers and work areas hardest hit, promising the lowest costs possible. They know how much insurance companies will pay, based on damage, and they know how to quote low to get the bid. Then they will do the least amount of work possible to “fix” your roof, pocketing the rest as they move on to new areas. When you discover the shoddy repair, they will be long gone, and you’ll be forced to repair the new damage on your own.

The High Pressure Sales Tactic

When so many in your neighborhood need roof repair, its easy to feel the need to jump fast. A roofing contractor knocks on your door, gives you a bid, then “forces” you to make an immediate decision. He may offer low rates, but his biggest push is the fact that he has jobs lined up all over town. He won’t be able to get to your home for months if you don’t make a decision immediately. The more you resist, the more he may push, even start making promises and dishonest claims that he simply can’t or won’t keep. Yes, its important to get your damage repaired quickly. But you are much better off doing your research first and finding a company that will help you through the storm and be there after when you have questions or other needs.

If you have recently experienced hail damage, give us a call today. We can inspect your home and give you an honest quote. We’re here as your neighbors; we’re here to help you get your home back to original condition.

Denver Roofing – Finding A Contractor You Can Trust

Its springtime in Denver. That means heading outside and enjoying all that your outdoor living arrangements have to offer.

Its also a time to take in all the projects that will need to be completed during the warm months. Is this the year to replace your roof?

Some wait for the hail season to begin. Yet immediately after a hail storm can be the worst time to find a roofing contractor. Many less than scrupulous contractors set up shop simply to cash in on unexpected weather situations. And if you’re unlucky enough to trust one of them, you’ll be stuck with a whole lot more than what you bargained for.

What should you look for in a roofing contractor?denver roofing finding a contractor you can trust Denver Roofing – Finding A Contractor You Can Trust

Start by verifying the roofing contractor has a reputable business. How do you do that? Start online. Do they have a website? Are they active on it, adding content and blog posts on a regular basis? Do they have social accounts and use them? Can you find reviews for the company? What year did they go into business? Less-than-reputable companies won’t take the time or energy it takes to build everything that goes into building a strong business.

Check to see that they have a business license, and look into any other organizations they belong to. Again, the more stable the company, the more time they spend doing things the legitimate way. Simple phone calls to the organization in question will tell you their status.

Do they have proof of insurance? Replacing a roof is not an easy job. And with any job at this magnitude, risk comes with the territory. Do you really want an uninsured contractor up on your roof on your property? Verify that the people on your roof are fully covered in the event of an accident.

Ask about warranties directly though the manufacturer you choose. In order to install roofing material, and have it be fully covered for warranty, it has to be installed according to manufacturers guidelines. Ask to see certification or licensing to make sure you are truly getting the warranty you deserve, and its not just a piece of paper with an empty promise.

Make sure you get a detailed copy of the proposal and the contract. Information should include the length of the project, daily start and end times, roofing material used, safety procedures, payment schedule, clean up methods, and policies for questions and concerns. The more you have on the table from the beginning, the less surprises you’ll find throughout the entire process.

The Dos and Don’ts of Hail Insurance and a Damaged Roof

If your home has been damaged by hail from a strong storm, you want to repair the damage as quickly as possible. Roof damage from hail can lead to leaks, which can lead to further damage inside your home.

the dos and donts of hail insurance and a damaged roof The Dos and Don’ts of Hail Insurance and a Damaged RoofYou may be tempted to contact your insurance company and do whatever they tell you to do. However, it is important to remember that the insurance company is not working for you, so they may not have your best interests at heart. Keep the following in mind when dealing with hail insurance and a damaged roof.

Do –

  • Take the time to look over your policy and find out what you are entitled to receive in terms of compensation.
  • File your claim immediately and contact a roofing contractor. If you wait too long, you could be put on a waiting list to have the repairs completed, leaving your home vulnerable to the next big storm.
  • Schedule a time where everyone involved – you, your spouse, the insurance adjustor, and the contractor – can meet and review the damage. This will give your contractor a chance to discuss the damage with the adjustor instead of having to play phone-tag later.

Don’t –

  • Sign a repair contract with the first contractor you speak with. If your area was hit with a large storm, there is a good chance numerous homes were damaged. This is going to bring all kinds of contractors, good and bad, out. Research a contractor before signing any contracts.
  • Feel compelled to accept your insurance company’s offer for the repairs. You have the right to hire an independent adjustor and let your insurance company know what you find out. If you think the offer is unfair or that it will not cover the necessary repairs, get another opinion.
  • Feel forced to use the contractor referred to you by the insurance company. The insurance company is looking out for their bottom line, not yours. You have the right to find your own contractor.

What Hail Damage Does to Your Roof

Detecting hail damage to your roof after a storm can be quite difficult. Hail causes billions of dollars worth of damage to homes every year, and it is one of the most costly storms.

what hail damage does to your roof What Hail Damage Does to Your RoofMany insurance companies will consider paying for a roof that has been damaged by hail, but it must be correctly assessed. You can check for hail damage yourself after a hailstorm if you know what to look for. Here’s what hail damage can do to your roof after a storm:

Hail storms can do a lot of damage to roofs, especially in four areas: the gutters, downspouts, shingles, and metal vents.

Gutters- Inspect all of the gutters for dents. If there is damage to the gutters present, it is more than likely that there is roof damage as well.

Downspouts- Check around their base for excessive granule buildup, which indicates roof damage. It could also indicate age. Also look for dents in the downspouts.

Shingles- Look for areas where shingle mineral is missing. Also, check for circular dimples in the shingles, which could be the result of a dent caused by hail impact.

Metal vents- Any dings or dents in the metal vents could indicate hail damage to the roof. This goes for any of the metalwork on the roof.

You should also check for leaks on your roof inside your home. This could indicate damaged shingles. Look for water staining on the interior of your ceiling, as this is a good indicator of damage on the roof.

Of course, you should inspect your exterior roof only if you are comfortable climbing up onto the roof. It is important to keep the roof of your home in good condition in order to avoid deterioration of its structure. If you any of the above steps result in indication of roof damage, get a professional inspection.

What to Know About Your Hail Damaged Roof Before You Talk With Your Insurance

Remember the “good old days” when you sustained damage to your roof and the insurance company would write a check to replace it?

Those good old days are gone.

what to know about your hail damaged roof before you talk with your insurance What to Know About Your Hail Damaged Roof Before You Talk With Your InsuranceWith changes in the economy, changes in insurance claims, and overall changes in the way we manage our houses, insurance and roof replacement are no longer synonymous.  If you have an older home and it has the original roof, you may be looking at a substantial home improvement cost in the future.

Rather than being shocked when you discover you have a roofing problem, take steps now to read through your insurance policy and discover exactly how much coverage you have in place for when you’ll need it most.

How to Spot Changes in Your Policy

Every year when your policy renewal notice comes through, you also receive a terms page that lists new policies, and more importantly, new exclusions. Its easy to file the policy in a drawer, pay the bill and forget about it. After all, do you really have time to read everything that comes your way? Yet what you may be accepting by default are significant changes to the way you are insured. The following are examples of changes:

  • Renewals might insist they will not cover roofs over a certain age.
  • Incorporating a hail deductible from what is to be paid to you for hail damage.
  • Excluding any damages on the roof considered to be “cosmetic damages”.
  • A necessary roof inspection prior to placing any claim so the insurance company can note the age and condition.
  • Not covering roofs designed of obsolete shingles since shingles must be replaced on the entire roof and not just a portion.

Understanding Cash Value

Another change that is occurring regularly is the change to a cash value policy. Read your contract carefully to see if your insurance agent has moved you to cash value as opposed to replacement value. Being placed on cash value can shortcut your roof claims significantly and leave you with a costly roofing bill.

But what is cash value?

The insurance company will discount the amount of money owed to you by roof age. The older the roof, the more money they discount from your total paid claims. And if your roof is original or has a lot of years worth of wear and tear, your actual claim may be next to nothing.

How A Roofing Contractor Can Help

Many homeowners today think little about their roof until the unthinkable happens. A hail storm or a large wind storm comes up and does enough damage to your roof that its time for replacement. Only then do they find out that their thought process and the insurance company’s clauses don’t match. Don’t wait for that day to happen.

In some cases a roof can be repaired before the storm and give you more years before replacement. Start with a simple phone call and we can help you determine the condition of your current roof and what you can do to extend the life of it. And when the time comes, we can also help you select the right roof for your home, your neighborhood, and your tastes.