A scope of loss from your insurance company includes the quantity and quality of materials and the current cost in your area of materials and labor that will be needed to restore your roof to pre-damage condition and to meet local building codes.
Storm damage varies based on severity of the wind or hailstorm that results in damage. Evidence of wind damage is the easiest to spot. You may notice that your shingles are “lifting”, “folding-up”, or are missing completely. When our Project Manager inspects your roof, he will be looking for shingles that have been creased from being lifted by wind or missing granules caused by hail.
A homeowner should call us first for our free inspection for storm damage claims. Our Project Manager will make an appointment to visit your home and mark up the areas on the roof that are caused by storm damage.
It is the homeowner responsibility. If you have active water coming into your house through a roof leak, you should call us to do an emergency tarping of the roof to prevent further damage.
You are responsible for calling in the claim. We can assist in answering questions your insurer may ask. We can provide documentation needed to support your claim.
Yes!. Contact us with the day and time the insurance adjuster will be at your home and we will be there to walk the roof with the adjuster and show the storm damage.
There are two major types of residential insurance policies: Actual Cash Value (ACV) and Replacement Cost (RC).
ACTUAL CASH VALUE: Your roof's value depreciates each year. Is this policy, you only receive a check for the depreciated value of your roof.
REPLACEMENT COST: With an RC policy, your insurance will cover the cost of roof replacement minus your deductible. Paid in two installments. The first check is sent to you once the scope has been approved and the second when repairs have
No. Roofing contractors who say they will cover your deductible are committing insurance fraud.
If your insurance company denies the claim, we can work with you to get a second opinion from a public adjuster who will resubmit the claim to the insurance company.
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