Storm damage happens to all of us and it most definitely is not something that we want to be dealing with now is it?
Well hey, if you end up with storm damage the first thing you are going to want to do is have a Shamrock roofing come out and take a look and see what damage has been done.
If you suspect your roof has sustained storm damage, here are some key issues to be aware of:
- Unless you are 100% confident that your property has suffered extensive storm-related roof damage, we advise having the extent of damage assessed by an honest, qualified, “local” roofing contractor BEFORE you file a claim with your insurance company.
- As you might expect, your home owner’s insurance premiums are affected by the total dollar amount of insurable losses you have been reimbursed for over the years. But, your premiums may also be affected by the “frequency” of claims filed. So, if you file a claim, and no damage is found (i.e. you are not paid a dime for the claim), your premiums may still be negatively impacted simply for having filed the claim! So, it’s best not to file a claim until you have good reason to file claim.
- Roofers frequently inform homeowners that there is significant storm-related roof damage when there actually is not any significant damage.
- Homeowners frequently call upon roofing contractors to assess the extent of storm damage to roofs, and rightly so. But, keep in mind; roofers do not determine whether or not an insurance company is going to pay a claim. That is the sole responsibility of the insurance company.
- To dispute a claim , the typical homeowner’s policy provides specific terms for settling disputed claims.
- Shamrock Roofing absolutely does not show favoritism toward either party (i.e. homeowner versus insurance company) when assessing storm related roof damage. We follow criteria established by Haag Engineering (a recognized authority in the assessment of hail damage to roofs) and our findings are reported strictly according to those criteria (i.e. accurate and honest).
- Insurance companies will occasionally allow for the total replacement of a roof when there is actually little or no roof damage. The following are a few reasons which may explain why: 1) Catastrophic loss adjusters are called in from out of town when damage is widespread, in order to assist the local adjusters, so claims can be processed in a timely fashion. These catastrophic loss adjusters are often paid a commission, based upon the dollar amount of claims they pay. So, they may be more willing to pay claims since they benefit monetarily for doing so. 2) Insurance companies routinely engage in “re-insurance” whereby, once an insurance company has paid out a certain dollar amount in claims, another insurance company owes for the remaining claims as that other insurance company has been paid to assume the risk of losses exceeding a certain total amount. As a result, when an insurance company realizes they are going to reach the maximum amount of losses they will owe for, they may be more willing to settle individual claims, simply because they are going to pass on the remaining losses to another insurance company. Of course the opposite can hold true when an insurance company determines that they are not going to meet the maximum they would be responsible for. In those instances you may discover that an insurer is less generous paying claims. 3) “Neighbor-itess” is yet another reason why an adjuster may allow for replacement of a roof when it has sustained little or no damage. Adjusters realize there will likely be great animosity if they don’t allow for replacement of their insured’s roof when one or more of the “neighbor’s” roofs have already been determined to be a total loss. Even if they find no damage to their insured’s roof, they realize their decision not to pay could potentially result in the loss of a long time customer. In those instances, they may pay simply because the neighbor is getting a new roof (i.e. “neighbor-itess”).
- Shamrock Roofing has the tools and expertise to assist you with your claim. In those rare instances when an insured is being offered a settlement amount significantly less than the amount we have quoted, we are often able to find discrepancies which result in the insured receiving a sufficient loss amount to cover our quote. Regrettably some insured simply settle for an inferior job because they weren’t allowed a sufficient amount to get the job done correctly.
- We advise that you always receive a written proposal “before” contracting to have any work performed. The proposal should clearly specify the scope of work that is proposed to be performed and should provide the exact amount that will be charged to perform that work. Many contractors want you to simply sign over your proceeds from the claim to them with assurances that in return, they will take care of all the damage. It may be convenient letting someone “handle it all” for you, but there is a huge trust factor here that quite often is not deserved!
- Never contract with a contractor that is going to pay your deductible. It is illegal! If they are willing to cheat your insurance company and face potential criminal charges, why would you trust them not to cheat you? They obviously aren’t just being nice and pulling money out of their pocket to help you out. They are taking the cost of your deductible (or even more) from the amount of goods and services being provided toward your roof installation.
- Use a local contractor to replace your roof! Out-of-towners usually leave town once the work is done and you will not likely get them back to fix any problems once they have left. Keep in mind that out-of-towners are good at disguising their place of origin. One of the more common tricks is to buy the name of a small local business so they can appear to be local. In most instances that “local” business will continue to conduct business only until their storm-damaged roofs have been completed. Then they are gone and close shop.
- Roof replacement due to storm damage is big business. So much so, that many roofing companies do nothing but travel the country replacing storm damaged roofs. They are sales and marketing experts, but typically employ no trained roofing installers and rely solely upon sub-contracted laborers for their roof installations. We typically find the quality of installation by this sort of company to be extremely poor and would caution you to beware.