Roofing Insurance Claims Storm Damage
When bad weather strikes, make sure you hire someone who knows insurance! Caldwell’s Roofing has been trained by experts in the insurance field to know the best ways to ensure sufficient scope of roofing and other work.
The supplements, missing line items, and code requirements that Caldwell’s Roofing presents can add thousands of dollars onto your claim! You can also use their GreenSky financing program if you’d rather pocket the insurance money and make easy payments on your project.
Some Property Insurance Tidbits:
(1) You’re responsible for paying your deductible. It is a crime for either you as a homeowner, or Caldwell’s Roofing as a contractor, or anyone else, to “waive” the deductible, or do math to “eliminate” it. We can, however, finance the deductible (and the whole project), if you qualify.
(2) If you have a mortgage, that’s good news. Generally mortgages require your insurance policy to be one which pays full market value (rather than a lesser value to accommodate for depreciation) and acknowledges that all trades should be done to existing codes. Anything less than this (such as an ACV [“Actual Cash Value”] policy) means you as a homeowner would have to pay extra to simply bring the roof back to a condition as good as it was before the damage.
(3) “You’re not always in good hands.” The insurance companies (as a rule) may not go out of their way to ensure that codes are met or that the roof is installed exactly per manufacturer’s instructions. That’s why it’s good to get a professional roofing contractor.
Tree Branch Roof Damage
How much storm damage has occurred? How do you file a claim? How do you ensure adjusters add everything to the scope that needs to be there? Caldwell’s Roofing is ready to assist you. Trained in recognizing all kinds of storm damage, they can inspect for hail, wind, or other storm-related problems. They can work with other insurance claims besides just roofing, and can help with fire insurance claims.
Roof Hail Damage
Roof Wind Damage
A real game-changer is that Caldwell’s Roofing has technical bulletins by GAF which indicate that replacement of a roof is better than repairing shingle tabs broken off by wind or damaged by hail. When individual shingles or sections are replaced, the adjoining areas tend to deteriorate more quickly, as per this GAF bulletin. Also, the color will never match perfectly, and the underlayments may not be able to be installed per manufacturer’s instructions (GAF Pro Field Guide for Steep Slope Roofs 2014-2015), which is an IRC 2015 code requirement (Chapter 9, “General Comments” states: “it is important that the manufacturer’s installation instructions be followed [on all roofing work]”). All that to say that bandaid repairs often can’t bring a property back to “before it happened” condition, which is the whole point of insurance, right? If you’re going to file a claim, make sure your get your money’s worth by choosing a knowledgable roofer as your preferred contractor.
Caldwell’s is also proficient in Xactimate, the software of choice for communicating with insurance companies and agents. They document their work with pictures, EagleView aerial measurements, and code references as needed.
They agree to stay within the scope of work determined with the agent (supposing a fair price/scope can be reached), so that all the homeowner has to pay is the deductible (assuming payments from the insurance company come to the contractor), plus any “upgrades” (add-ons that customer desires which were not necessitated by the damage).
Call Caldwell’s today, and get the help you need in restoring your property!
