PREMIUM PAYMENT RELIEF
ROOF DAMAGE CLAIM PROCESS
Roof Damage Insurance Claim
Roof damage can be difficult to see and often the signs of damage are hidden or hard to find. Some signs to look for are darkened spots on the roof, knocked off roof granules and loose or broken shingles. Also be aware of more noticeable damage such as water spots or stains on ceilings and walls, in corners or around windows. You may think that its only one shingle that’s missing its no big deal, however even one missing or broken roof shingle can have catastrophic effects on the roof.
What Insurance Carriers typically try to do is just payout for a patch on the Roof. In general the roof actually needs to be replaced entirely, as opposed to just being patched. A patch it only a temporary fix and not only does it lowers the value of the roof and the house itself but is also prone to leaks.
COMMON TYPES ROOF DAMAGE INSURANCE CLAIMS
LOSS OF ROOF SHINGLES OR GRANULES
Loss of shingles or granules exposes sensitive layers of the roof that are meant to be protected thus causing to interior roof leaks.
FALLEN TREES OR DEBRIS:
High winds caused by Hurricanes and Storms can uproot trees, toppling them over onto your roof and damaging it structurally. Debris can also be carried by the force wind inflicting serious roof damage.
Develops underneath the shingles. The blistering will eventually pop and expose the underlayment of the roof, making further roof damage and leaks a possibility.
ROOF DAMAGE PROCESS
Tarping a roof will temporarily stop leaks and protect your home from the elements. When installed correctly, roof tarps can shield you home from bad weather for up to 90 days.
ROOFING SHRINK WRAPPING
A shrink wrap roof is just as it sounds. It consists of a large plastic membrane that shrinks tightly to the contours of your roof using heat. Seams are heat-welded to create a water-tight seal over the entire roof. It is a superior alternative to blue roof tarps.
An insurance adjuster works for the insurance company. You may want someone on your side holding the insurance adjuster responsible for their end of the deal.
FULL ROOF REPLACEMENT
Your insurance company may issue a settlement, which is the money they agree to give you to fix or replace your damaged property, for example, fix a hole in your roof
COMMON TYPES OF ROOF MATERIALS
Tile or clay roofs can be two to three times more expensive than a shingle roof, which is one of the most affordable roofs to install. Tile roofs have less maintenance and can withstand storms and severe weather better than asphalt shingles – but replacement or repair is much more expensive when damage does occur.
An asphalt shingle is a type of wall or roof shingle that uses asphalt for waterproofing. It is one of the most widely used roofing covers in North America because it has a relatively inexpensive up-front cost and is fairly simple to install.
While standard sloped roofs typically have shingles that are overlapped like fish scales so that water slides over them, a flat roof is designed as a continuous, or monolithic, surface that can hold some standing water for a limited time.
Properly installed, a metal roof should last as long as the house, sealing out water, surviving high winds, and easily shedding snow. Metal is resistant to fire, mildew, insects, and rot.
Warranties vary widely, but most companies back their products for 20 to 50 years.
ENGINEERING, ROOF CERTIFICATION AND APPRAISALS
A roof certification is a document granted by a roof inspector that confirms the roof has been inspected (or, if necessary, repaired), is free of flaws, and is guaranteed to last for however long the certification states. It can act as a kind of warranty for any repairs or updates made. Roof certifications are available in various increments, usually ranging from 2 to 5 years.
When buying or selling a home, it is important to ask when the roof was last inspected and if it has been granted a certification, since home inspectors don’t usually complete a thorough roof evaluation.
ENGINEER ROOF ASSESSMENT
Our Engineers will investigate damage to roofs due to design problems, construction deficiencies, excessive loading, weather and seismic events, mechanical damage, maintenance issues and other causes. Haag has a nearly century-long track record of analyzing damage caused by weather phenomena, including hail, snow, ice, wind, storm surge, flooding, lightning, tornadoes, and hurricanes. Currently, in addition to our forensic evaluations, we offer desaturation, core removal and other types of laboratory analysis through our Research/Testing Department.
the sheathing deck and the protective roofing surface that covers it. During a roof appraisal, both parts are inspected for structural integrity and to estimate how many years the roof is likely to last. Appraising the condition of the roof is usually a lender requirement during the sale of a house, but it’s also useful for existing homeowners who want to stay on top of home repairs. You can assess the condition of most roofs without climbing on the roof.
Roof Damage Tips
If you have a Roof Leak cover it up with a tarp right away to prevent further damage.
After a major windstorm or event get a roof inspection done to rule out any damages.
Document every thing including any leaks inside the house and what rooms the Roof Leaks are in.
HOW CAN WE HELP?
The initial contact with your insurance carrier is critical. This contact can be the difference between your claim being paid or getting denied.
Differentiating between belongings and property that can be repaired vs replaced can be overwhelming.
The many requirements and the extent of the damage all come into consideration at this point in your hurricane damage insurance claim. It’s hard to properly calculate what amount will effectively cover all the damages to your home. It may seem like the insurance carrier paid you enough. In reality it could require so much more to repair your home and bring it back to Pre-loss condition.
The complexity and time-consuming tasks can be taken off your hands by a Hurricane Damage Public Adjuster. Let us help represent you and help you navigate your hurricane damage insurance claim.