Storm Damage Repair Frequently Asked Questions
Q: What are the typical causes of roof problems?
A: Hail, high wind speeds, improper ventilation, and age are the four main causes of roof problems.
Q: How do I know if I need a new roof?
A: To the untrained eye it can be hard to tell if your roof is in need of replacement. The only way to be sure is to call a qualified contractor to come and do an inspection. If you suspect damage to your roof, we will come inspect your roof at no charge.
Q: What type of damage can occur if I do not replace my roof now?
A: Depending on the type of damage your roof has incurred, many things could happen. In most cases, failure to repair damage will lead to leaks, which can cause thousands of dollars of interior water damage to your home and possibly destroy possessions that are irreplaceable. In some cases, if gas vents are damaged and airflow is restricted, it could cause a build-up of toxic exhaust fumes that are unable to escape through the roof vents.
Q: My roof looks fine and I have no leaks, wouldn’t I already know if I had hail and wind damage?
A: You may not notice hail and wind damage right away. Hail damage is rarely visible from the ground and you might not see it even if you go on top of your roof. It almost always requires a trained hail damage specialist to find damage. In some cases, you might see that shingles are missing from wind damage, but this is usually the only time you will notice any type of damage to your roof from the ground.
Q: How much will it cost to find out if I can get a new roof from my insurance company?
A: We offer free roof inspections to determine if you have hail and wind damage, so it will not cost you a thing.
Q: What is the catch? Is there a hidden cost?
A: The only thing you are responsible for in order to receive a free inspection is your deductible. Should we find something else wrong with the roof while we are working on it, we will contact your insurance company about a supplement to cover any damages found. No extra work will be done without approval from you or your insurance company.
Q: Should I wait until my insurance company comes out before I choose a contractor?
A: Choosing your contractor before your insurance adjuster comes is a good idea for multiple reasons. First, your contractor ensures that all damage to the property is included in your claim the first time, which makes it a quicker and easier process. This means a re-inspection is not needed.
Second, in a lot of cases your contractor and adjuster can agree upon work-scope and costs on the premises. This can expedite payment of your claim and get work started quicker and with less hassle to you as a homeowner. Third, unfortunately, insurance adjusters can make mistakes and misjudge damages. Having a second knowledgeable person at the time of inspection reduces the chance that timely or costly errors may occur.
Q: Will my insurance premiums increase if I file a claim? Can my insurance company cancel my insurance altogether?
A: Your insurance company cannot cancel your policy for filing this type of claim. This loss is classified as an “act of God,” which means you had no control over it and could not prevent it. You probably have already noticed increases in your insurance premium over the last couple of years. Premiums have increased for all policy holders due to the excess amount of storms and natural disasters in the area. In essence, you have been paying to cover everyone else’s damage. Maybe it’s time for you to get what you’ve been paying for.
Q: What is depreciation?
A: When you file a claim, your insurance company breaks the payment up into two checks. The first check is what your repairs are currently valued at; the second check is the difference in price between the current value and the cost of repair. The second check is called depreciation. This gives your insurance company leverage over you as a homeowner to ensure the work gets done and leverage for you over your contractor to ensure they do a proper job.
Example: You have a roof with 20-year shingles that are 10 years old. If it costs $10,000 to replace your roof, they will hold back 50% depreciation because your roof has lasted 50% of its lifetime. This means your insurance company will withhold $5,000 (the depreciation) until the work is completed and a final invoice submitted.
Q: How long does it take from the time of inspection to getting my roof installed?
A: The total time to complete your claims process varies. This is mostly due to which insurance company you have and how many active claims they have at the time. Typically, once your claim is filed, your insurance company will send out an adjuster to complete your roof inspection. Once the adjuster approves the roof replacement, it usually takes another 5 – 10 days for the insurance company to send the initial payment and a description of work to be completed.
After you have received the initial payment, we schedule the work, order materials and have your new roof completed within a couple days. The actual roof installation only takes 1 – 2 days, depending on the size of your roof and the materials used. Remember to let us know when you have a scheduled appointment to meet with your insurance adjuster.
Contact our storm restoration company to speak with an expert residential roofing contractor and get the answers you need.