A. In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be readily apparent and may not start to leaking for some time. It’s best to have your roof inspected by a bonded and insured contractor to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.
A. Yes. Most all home owners policies cover full replacement value. The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with it’s useful remaining life. The money that was withheld is called the depreciation, or technically, the Replacement Value (RV) and will be paid when the work is completed or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjusters summary report.
A. Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please don’t ask us to do this.
A. When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the home owners deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible, is the total amount the insurance company will actually pay for the claim.
A. No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, if it is border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they’re not able to walk on a steep roof and photograph certain areas. UpToDate Roofing ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.
A. Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.
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