Shingles are designed to protect against the weather, but the wind, rain and hail that often accompany a storm can cause damage. It’s also important to remember that not all storm damage is obvious and that hidden damage can cause problems weeks or even months after a storm. To be sure you don’t have hidden damage, have your roof inspected by a contractor you can trust to provide an honest assessment.
We recommend that only a roofing professional should climb up on your roof, but here are a few things you can look for from ground level:
High winds can tear and remove shingles, leaving the roof deck, underlayment or old shingles from a previous roof exposed to the elements.
Wind can also lift and curl shingles by breaking the seal that bonds them together, leaving your roof vulnerable to wind-driven rain.
Hail can leave dents or pockmarks in shingles, dislodging the protective granules that protect against rain and sun damage.
So why does a homeowner need Roofing Ranger to inspect damages from hail storm and be present on the adjuster meeting?
Why our role is important
When a homeowner files a claim for roof damage, the insurance company assigns an “adjuster” who represents the insurance company to come inspect the property to decide whether or not it is damage that is covered by the policy, and also to discern what amount of money will be allowed to repair the damages.
Like any field, there are people who are good at their jobs and people who are not so good.
Large hail storms affect thousands and thousands of homes, and there are only so many adjusters available to process all of the claims. Even the greatest and fairest adjusters are dealing with up to 10 or 12 claims per day, seven days a week for months on end, and when they are that busy, it’s hard for them to be as thorough as they should be. This can result in overlooked damages, missing items on estimates, mis-measurements, and other mistakes that lead to an inaccurate or unfair assessment for the homeowner’s claim.
Let’s say the adjuster does approve the roof to be replaced, and writes a check to the homeowner to get their roof repaired. The homeowner is happy, but how do they know that everything that was supposed to be paid for was actually paid for? What if the check is not enough? So what’s the solution? If the adjuster is there in the best interest of the insurance company, and there’s no second professional opinion, the homeowner is really at a disadvantage, and is in a position where they can only hope they get a fair and accurate assessment from their insurance adjuster. Who represents the homeowner?
If the adjuster is present on behalf of the insurance company who would rather pay zero dollars, and the contractor is present on behalf of the homeowner who’s representing homeowner interests, they can meet in the middle and come to an agreement on the fair and accurate settlement that is fair for all parties involved. That way the insurance company upholds their contract with the homeowner, the homeowner gets enough money to get the repairs done, and the contractor gets paid what they are deserved for the work that they do.
Understanding The Insurance Claim Process
Step 1. Detailed Property Inspection By Roofing Ranger
Our inspector perform an Inspection of your house or your commercial building to determine the extent of damage to the following:
Interior of the property
Attic, in order to identify leakage
Roof condition and lifetime left after storm damage
Decking condition and thickness
Gutters and downspouts
Window screens and beading
Step 2. Filing an Insurance Claim
When we confirm hail damage to the property we advise you to call your insurance company to initiate a claim. We would like to do it for you but we cannot only because it is the requirement of the insurance companies and by the law it is not allowed for us to file a claim on your behalf. We would like to call on your behalf but we cannot do that legally. So, we won’t.
There is one important thing to be remembered, requesting your insurance company permission for your contractor of choice to be present at the time of the adjuster inspection.
If necessary and only upon your request, we will do temporary repairs and cover the roof with tarps as soon as possible to prevent your house from further damages.
Step 3. Meeting with Insurance Adjuster
After you file a claim, and insurance adjuster is assigned to your claim he/she will be scheduled to come out to verify the damages and to create an estimate that will almost always miss some very important items like roof elements that definitely have to be completed when replacing a roof. But that’s not a problem because your insurance adjuster will mention that if he missed anything, we can notify him before starting the work to make corrections to his estimate. Our Roofing Specialist will meet with the adjuster as a courtesy of our services. Our policy is to let the adjuster do his/her job and not interfere unless a significant mistake about the claim is being made.
Once you have an insurance claim number, you should notify our Roofing Specialist about the day and time when the insurance adjuster will be inspecting the roof. This way we can be there for you and pinpoint little things here and there that insurance adjusters in rush very often get to miss. We always make sure that we adhere to the building codes. Doing so ensures that your roof is done right. Our property assessment is always documented with pictures and supported by the IRC (International Residential Code) and the current adopted city codes. We understand the construction part of the Restoration Project very well and take it seriously.
Step 4. Project review and planning
Once we receive approval from your insurance company we will schedule a meeting with you to go over the following:
Scope of Work
Brands and products selection
Sure Install Program and project management details
Roofing Specialist will collect the insurance deductible, which is typically 1% of the home value. This is your only out-of-pocket expense.
In our office we will make sure we have everything ready for the day of roof replacement and we will schedule all other jobs related to the claim.
Step 5. Restoring the Property
We start our roof replacements usually in the very morning around 7AM. Once the Material droped, we will replace your roof and do other repairs required for your property. It usually takes one to two days to replace the roof depending on the size and complexity. All other parts of the project such as gutter, window screens, etc., are done after roof installation within 10 days from the beginning of the project.
Managing The Project
On the day of roof construction Roofing Ranger Project Manager will be at your property to meet with the crew to make sure any special instructions you might have are followed.
Completing Final Inspection
Once everything is completed, you and Project Manager or will go over the Inspection Checklist together to confirm everything has been completed to your satisfaction.