FAQ's - Common Questions
Q: WHAT HAPPENED IN OUR AREA THAT WOULD CAUSE DAMAGE TO MY HOME?
A: The recent storm that hit our area caused significant damage to many homes. Golf ball to softball-size hail (from 1 inch to 4 inch in diameter) along with strong winds means your home and property may have sustained damages.
Q: WHAT IS HAIL DAMAGE AND HOW DOES IT AFFECT MY HOME?
A: Hail is a large frozen raindrop that is produced by intense thunderstorms where snow and rain coexist. When these conditions exist homes may sustain considerable damage to roofing, siding, gutters, etc.
Q: HOW DO I KNOW IF I HAVE HAIL DAMAGE TO MY ROOF? CAN I TELL FROM THE GROUND?
A: If you have had hail in your area, to determine if the shingles have been damaged a close inspection of the shingles has to be made from the roof. Damage is often missed from a ground level inspection.
Q: HOW DID HAIL DAMAGE MY ROOF?
A: Hail can damage your property in many ways. Hail damage to asphalt shingles can cause soft spots or bruising that may or may not be visible to the naked eye. Hail impact will also tend to loosen the hard granules that make up the top surface of the shingle. In some cases, hail will cause enough damage to break through the shingles' felt matting and cause its fibers to be exposed. Another way to tell if hail has damaged your roof is by checking the roof vents. Hail will often cause dents or marks on the metal roof venting systems. If we find evidence of damage to the roof vents first, it usually means you may have sustained shingle damage as well.
Q: WHY WOULD MY INSURANCE COMPANY REPLACE OR REPAIR MY DAMAGE?
A: The purpose of homeowner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in your original investment (home). Your insurance policy covers you to bring the property back to "whole". Your insurance company will compensate for the total cost in todays dollars you for your loss and replace or repair of most of your damaged property.
Q: WHEN AN INSURANCE ADJUSTER INSPECTS MY ROOF, HOW DO I KNOW IF HE UNDERSTANDS ROOFS ENOUGH TO SPOT HIDDEN DAMAGE?
A: The best results, for the benefit of homeowners, is obtained when an experienced hail damage inspector walks through the inspection with the insurance adjuster and calls to the adjuster's attention any damage that he sees. Some professional roofers can’t even spot hail damage.
Q: WHAT DOES A HAIL HIT LOOK LIKE?
A: A hail hit on a shingle looks like a "bruise" or a dark spot where the granules on the shingle have been knocked off and the asphalt underlayment and sometimes the fiberglass mat is exposed. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and has not had time to weather to a dull color.
Q: SHOULD I GET SEVERAL BIDS OR ESTIMATES?
A. When insurance is paying for the work, the dollar amount of the bid is not important as long as it is equal to or less than the insurance company estimate. In all such cases, you will only be paying your deductible, so your cost will be the same. Therefore, you should choose your contractor based on the one you feel most comfortable with and whom you feel will perform the best quality job. Shopping for the lowest bid will not allow you to put the extra money in your pocket. The insurance company will pay based upon the final invoice they receive from the contractor. For example, if the insurance company estimates $10,000 for damages and you pick a contractor that will do it for $8,000, the insurance company will only pay the $8,000. After the invoice of $8000.00 is sent to the insurance company, they will send a payment of $8000.00 (-) your deductible. Of course, a contactor in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud, and a felony. Please don't ask us to do this.
Q: WILL MY INSURANCE COMPANY CANCEL MY POLICY IF I FILE AN INSURANCE CLAIM?
A: If your roof has any damage what-so-ever you have a VALID insurance claim and should file with your insurance company. Insurance companies cannot cancel your policy for an "Act of God" disaster related claim.
Q: IF I DO NOT FILE MY CLAIM WILL MY INSURANCE COMPANY RAISE MY RATES?
A: After a disaster, insurance companies may raise everyone's rates. By not filing your claim your personal rate increase is paying for everyone else's damage except yours.
Q: HOW LONG DOES THE WHOLE PROCESS TAKE?
A: There are so many factors it is hard to say. Generally from the time you call your insurance company you should expect the whole process to be complete within 2 -3 months. The major hold-ups are things like: How long did it take to get the insurance adjuster on site and the report back? Does your mortgage company have to endorse the insurance check? City permits and city inspections may also add to delays.
Q: HOW LONG WILL THE ACTUAL ROOFING JOB TAKE?
A: Most roofing jobs are completed in one or two days.
Q: MY INSURANCE COMPANY DENIED MY CLAIM, SO AM I OUT OF LUCK?
A: You're entitled to a re-inspection once you choose a contractor who is willing to work with your insurance company adjuster. This is where you need a storm repair company to represent you that has the expertise in this area.
Q: MY ROOF LOOKS FINE! COULD IT STILL BE DAMAGED?
A: Roofing systems must be physically inspected by a structural damage inspector to determine if there is actual hail damage. Hail damage is insidious in nature and may not physically cause leakage for years after the hail storm. A report was found, on the Internet, depicting the details of many insurance companies and their adjusters quoting certain engineering companies. It stated that granular loss did not necessarily constitute damage to the asphalt shingles themselves. They tried explaining that the shingles are designed to lose granules, which is partly true. However, shingles that suffer accelerated granular loss due to hail storms decrease the product life and performance. The following report clearly states that granular loss that exposes the asphalt mat of a shingle constitutes damage. Read what one of the largest shingle manufactures has to say:
Q: DO I NEED TO GET MY ROOF REPLACED RIGHT AWAY?
A: The insidious nature of hail damage is that it may pose no immediate threat to the structural integrity of the roof. However, many insurance companies have a "statute of limitations" on how long a hail claim is viable. If you have experienced a loss such as hail damage it is prudent to take care of the problem in a timely manner before it leads to other associated problems and/or your insurance company will no longer cover your damages.
Q: MY ROOF IS NEW; CAN I ASSUME IT IS COVERED BY MY MANUFACTURER’S WARRANTY?
A: No, manufacturers exclude hail impacts from their warranties.
Q: HOW DID HAIL DAMAGE MY SIDING AND GUTTERING SYSTEMS?
A: Damage to vinyl siding will normally be shown by visual breaks, cracks or holes in the siding product. Normally if these items are not present, your siding has not been damaged. Aluminum siding, on the contrary, shows damage in other ways. Large hail will produce dents throughout the entire elevation of aluminum siding. Even smaller hail with high velocity crosswinds will produce dents large enough to cause significant damage to the aluminum. Small dents are considered cosmetic damage by your insurance carrier and, in most cases, are covered under your property insurance policy. Hail causes similar damages to your aluminum guttering system also. Dents visible from hail are normally cosmetic, but in most cases are still covered by your insurance policy.
Q: MY GUTTERS AND SIDING WERE DAMAGED IN THE STORM. CAN YOU HELP WITH THIS AS WELL?
A: Yes. Roof N Exteriors is a full service repair company. We can help with any exterior issues you have that are storm related. We cover you from your roof to your mail box. One stop shopping is the key here!
Q: THE INSURANCE COMPANY WITHHELD DEPRECIATION, WILL I GET THAT MONEY?
A. Yes. The money that was withheld will be paid to you when the work is completed.
Q: WHY DID THE INSURANCE COMPANY WITHHOLD DEPRECIATION?
A: There are two reasons that the insurance companies hold some money back. The first reason is to make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, many people end up spending it on something else. The second reason is that they wish to make sure that you pay your full deductible. The insurance company's reason that, if you are given all the money to being with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand. By holding a retainage amount, they can adjust the amount of the final payout based on the roofing contractor's invoice, thus assuring that their customer does pay the deductible.