I have Hail, Wind, Storm or Water Damage.
What do I do now?
Always Call Your Insurance Company First And Always Avoid the Storm Chasers at all Costs!!!
DO NOT EVER let a door knocking storm chaser on your roof for any reason! They have high-pressure commission driven sales people who are not looking out for your best interest. The company they are working for may not even have liability insurance to cover you if they are hurt while on your property, or damage your roof or property while inspecting it.
Insurance Claim Process
Insurance claims can be complicated, and it’s important to work with a contractor that has experience in dealing with these claims. The good news is that we’ve been helping homeowners deal with insurance claims since 1998. We are able to work with your insurance company to ensure that all you will have to pay is your deductible. We work with all insurance companies, so no matter who your policy is with, you can be sure we will be able to help.
If you have hail or storm damage, the first thing you should do is call your insurance company. The reason you have insurance is in these scenarios. It will be up to the insurance company to determine the extent of the damage, what needs to be done to fix it, and how much it will cost to fix it. Rather than initially calling us directly, you’ll want to work with your insurance company to file a claim and have an adjuster inspect the damage. You will not be responsible for charges beyond your deductible; the insurance company will cover the cost. If you are unsure if there is damage, your insurance company may request that you have a respectable roofing company inspect the roof first. We are more than happy to help and come out and inspect the roof for any damage. But if there is catastrophic damage from a storm, many companies will not require an inspection from a roofing company prior to an adjuster’s inspection.
The insurance adjuster visits your home to do an evaluation and creates a report of the work called the "scope of work", which includes a detailed analysis of the costs as they are established by the industry in your region. The insurance company sets their prices based on industry standards and pays accordingly.
After the adjuster provides a report with the scope of work needed, we will meet with you to discuss the steps and process of the repairs in the claim and all of the work to be performed. Once we sign a contract with you, according to the insurance company’s specifications, we will then schedule you as soon as possible to have one of our expert roofing crews replace the roof on your home. If it is a large scale storm it may not be immediate, but in the meantime, we do have a team that can temporarily patch any leaks or install any emergency tarps your roof may need to keep it safe until the time comes to install an entirely new roof system.
You and your insurance company are on the same team and are not adversaries. Both of you have the same goal of putting your house back to its original shape. When you work together with good communication, it’s the easiest path to accomplish this purpose. The insurance company needs satisfied customers and they want a reputable contractor that can handle the claims process and documentation required correctly.
You have a deductible to pay, which are the first dollars spent on replacement. If your loss is the same or less than your deductible, there is no need to involve the insurance company. The insurance adjuster that comes to look at your house is the only person who will determine damage. Everyone else only has an opinion. The adjuster will accept input from the owner or contractor, but it is his or her decision to make. If you are unhappy with this decision, you can have a supervisor come, and make a case to overrule the first adjuster. A final step a dissatisfied homeowner can take is to contact the state insurance board. They are the licensing entity for all insurance companies doing business in the state. They carry a lot of authority.
A roof replacement is a major project and an expensive cost. If it needs to be done due to storm damage in the adjuster’s opinion, the insurance company will pay for it based on a pre-determined cost or price formula established by Xactimate, a standard insurance adjusting service for home construction. Most insurance companies use this pricing method that has been established to standardize payments for all types of work and determine what the insurance company will pay. Working with insurance is not about a competitive bid. It is about the contractor being willing to accept Xactimate pricing in agreement with the insurance company. There is no need to get pricing or bids from a contractor since payment is determined by the insurance company. They will pay less if you like but not more for the work specified. To increase the payment, you will have to add to the scope of work — for instance, something unforeseen that needs to be repaired, such as roof decking.
The contractor needs to have agreed with the insurance company to do the work for the specified amount determined in the scope of work by Xactimate. When this is the case, any unforeseen work will be supplemented to your insurance carrier for approval and will also be priced by Xactimate. This is why it is a must for a contractor to have access to the scope of work the insurance company has determined to be damaged — not for pricing, but to do all they have stated needs to be done. When payment is made, it generally comes in two checks. The first is the ACV, or actual cash value. This is based on the age of your roof and is usually about 1/3 to 2/3 of the total cost that the insurance company is willing to give you, irrespective of any work being done. The second check is the RCV, or replacement cost value. This takes into account a depreciated amount that will be paid upon completion of the work. This can only be received by invoicing the insurance company when work is completed to receive the remaining depreciation funds on the claim.
We will come by usually within 48hrs or sooner and we will inspect and the entire roof surface and all exterior components of your home for any storm damage.
Next, we will email you photos and a report with our recommendations if we find any damage and what the next steps are with your home and how we will work and guide you along the way through the entire process.
Hail makes tiny dents in the shingle, that will eventually lead to leaks and deteriorate your roof faster and cause interior leaking that can lead to some costly interior repairs.
Strong winds can rip shingle off of your roof and cause costly leaks if not repaired quickly always call a roofing contractor to come and inspect your roof after any major wind or hail storm.
Tree rubs and Tree Branches hitting roofs is one of the most common and destructive issues that can cause severe and major damage to your roof, decking and even sheetrock. Tree rubs and tree branch falls are some of the most costly roof damages that can occur to your roof. Keep the trees and branches cut far back off of your roof line.
Matthew Lorand has been around since 1998 and is still family owned and run!