Learn about the steps of an insurance claim for storm damage to your roof.
If you have the right to use a quality contractor, and you only need to pay the same deductible, why would you choose a cut rate company?
Anderson Roofing & Construction only does quality work. We don’t cut corners. We don’t overcharge, but we do charge for all the work that is needed to make your home whole and to meet the manufacturer’s warranty requirements.
If you want a full roof, not just a few shingles, the process could take longer than if you worked with a company willing to cut corners. But an improperly installed roof can damage the interior and the structure of your house. And improper installation voids your roof warranty.
There are several steps in a storm damage claim.
- We inspect for damage and take 10-100 photos.
- We prepare a photo report. If there is storm damage, you submit this to your insurance company.
- The insurance companies now usually send their own inspector or picture taker. Those photos are turned over to a desk adjuster who works for the insurance company.
- The desk adjuster from the insurance company will often offer to pay for very limited repairs. This person is not the same one who sold you the policy. It is somebody whose job requirement is to not approve too many claims or they can get fired. If you take their initial offer, it can leave you with a roof that has clearly been patched. Ask any real estate agent what this can do to your home value. The offer is called an “estimate” for what they suggest needs to be done. You have the right to ask for a copy of your policy and what it excludes. There are homeowners policies that are junk but most allow your home to be made whole again. “Roofing industry estimates show that 100% of claims are systematically underpaid and 95% of those claims are undisputed by the homeowner. This means that education on this subject is desperately needed in our industry, for contractors, adjusters and homeowners alike.” (National Roofing Contractors Association) Even if they send you a check right out of the gate, you have the right to ask for more
- We use the estimate from the insurance company as a starting point and we use the same software they use. We often have to increase (“supplement”) the original estimate because there are items missing that are required by International Residential Code or by the manufacturer. In our experience, about 50% of the required items are missing from the first insurance offer. Common problems:
- A. Inaccurate measurements of the roof.
- B. There are three different types of roof shingles (field, starter and ridge shingles,) but insurance companies often lump them together. They are not interchangeable and must be used in order to have a valid warranty. They are purchased separately and the prices are not the same.
- C. The estimate of the amount of wasted shingles may be inadequate. If you have a complex roof, lots of shingle scraps go to waste.
- D. All metal flashings must be replaced. Period.
- E. Drip edge must be installed. Period
- F. Insurance companies often use the wrong labor codes and cheaper prices. We only use laborers who are trained in roof safety. Unskilled laborers can’t work more than 6 feet above the ground.
- G. Removing and replacing the boots/flashing around vent pipes, chimneys etc.
- A. Sometimes water has damaged the wood decking under the shingles and pieces of decking may need to be replaced so the shingle nails will hold in a high wind. Proper installation and warranty require a nailable surface.
- B. Gutters may be too fragile to be put back on or the wood they are attached to may be fragile and crumbling.