Do You Have Recent Hail or Storm Damage ?
Call Allstate Roofing & Consultants
Let us explain how your insurance claim works in layman's terms.
HAIL DAMAGE ?
When I look at my roof, I don't see any hail damage. What's all the fuss about?
Hail Damage can't be seen very easily most of the time. You usually will never see actual holes or indentations. Hail will drastically shorten the life of your roof.
If you have damaged siding, vehicles, or have noticed neighbors getting work done, you can be 99% sure that you will need a new roof and may have other damages also.
ROOF DAMAGE CAN'T ALWAYS BE SEEN FROM THE GROUND
Hail can damage your roof without any visible signs from the ground. Hail normally has to be the size of a golf ball before it will break through your roof or cause bruising. Sometimes these damages do not show up quickly or are easily overlooked. The integrity of the shingle may be damaged, do not take a chance on it. If hail is driven by high winds or if it lasts longer than a few minutes, even small-sized hail can cause your roof to suffer severe damage and the loss of their protective granules, which will GREATLY reduce the life of your roof. Loss of granule layers on the shingle will cause the organic based center of the shingles to be exposed to the suns UV rays. This will cause SERIOUS deterioration of the shingle in a short period of time. Have it inspected, just to be safe.
Ask Yourself these questions
- What is replacement cost value?
- What is actual cash value?
- What is recoverable depreciation?
- What is non-recoverable depreciation?
- Will my insurance adjuster be a cat-adjuster or an in-home adjuster?
- What difference will a cat-adjuster make for me?
- What is full scope of insurance proceeds?
- Why is it a felony to profit from an insurance loss or deceive the insurance company ?
- Will the adjuster give me enough money for a quality restoration?
- What can I do if my adjuster didn't or doesn't give me enough money for a quality job?
- If all these questions are hard to understand or answer, then let a professional help you.
- We can answer all of your questions and help you get a fair and equitable settlement.
Hail and high winds can cause serious damage to your roof and exterior of your home. An evaluation by a TRAINED HAIL DAMAGE INSPECTOR can verify the extent of your damages and outline the means by which to get them repaired.
WHAT ABOUT MY SIDING?
Most people can inspect their own siding by checking your exterior walls closely, preferably when the sun is a little lower in the sky (morning or evening). This will make it easier to see the denting. Old aluminum siding will show the damage more than wood or vinyl unless the vinyl actually has holes in it.
Does my insurance company know if I had large hail in my neighborhood?
Most insurance companies subscribe to different tracking and hail reporting services.
These services can track the hail size and the exact location it fell. If you had damaging hail, they already know it.
If you had hail in your neighborhood, CALL US! We want to be present when the adjuster comes out to do his/her inspection.
It is your legal right to have someone represent you during the inspection. Your adjuster cannot enter your property without your permission.
The adjuster will look at your property during working hours, so you probably won't be home when the adjustment is taking place, which means you have no input in the matter. We ask that you allow us to represent you during the inspection. The adjuster will inspect your roof and exterior of your home for visible signs of damage only. For the roof, he will measure out a "Test Square" (10' x 10') on different sections of your roof. If he can find a sufficient amount of bruises or breaks for each "Test Square", the insurance company will buy you a new roof.
MY ADJUSTER SAID "NO DAMAGE"
It is possible that your roof was the only one on the block that wasn't damaged. However, you are entitled to a re-inspection by another adjuster within the same firm. So if you?re not completely satisfied with the results of your claim, don't settle. Ask for another inspection.
DISCREPANCIES
Most occur when the adjuster has not assessed the same amount of damage as the contractor. Whether it is for the roof, gutters, siding or other exterior or interior damage. So if you have interior damage or other hard to see damages that can be easily overlooked, chances are the adjuster will probably miss it.
You are entitled to have your contractor of choice represent you during the adjustment process to expedite the settlement of your claim. In order to save you time off from work and the headache of the entire process, we ask that you allow us to represent you during the inspection process. We will work with your adjuster to determine the extent of the damage, clarify pricing and offer a repair price agreeable to the insurance company. All you pay in most cases is your deductible.
HOW THE INSURANCE COMPANIES PAY ON CLAIMS
In most cases, about a week after the adjuster has estimated your property, you will receive your first check. This is most commonly called the ACV. (Actual Cost Value)
This check should represent the actual cost to repair or replace the damaged property, MINUS DEPRECIATION. This is commonly called the RCV (Replacement Cost Value).
The age and condition of the property is taken into account when calculating this depreciation. When work is completed, the insurance company will issue a check for the RECOVERABLE depreciation amount only if the total expenses are equal to, or greater than the total settlement.
We can offer a COMPLETE repair package (at the discretion of your insurance company) without you having to do anything. We can handle all of the red tape and obtain permits etc. All work will be performed in accordance with all state and local laws.
Let us help you and make things easier.
Can we profit from the insurance loss ?NO, YOU ARE NOT ALLOWED TO PROFIT FROM A LOSS. INSURANCE FRAUD IS A CLASS 3 FELONY PUNISHABLE BY UP TO 10 YEARS IN PRISON AND FINES UP TO $5000.00! Please read Sec. 27.02. below. This is from Texas Law Business and Commerce Codes.
Sec. 27.02. CERTAIN INSURANCE CLAIMS FOR EXCESSIVE CHARGES. (a) A person who sells goods or services commits an offense if:
(1) the person advertises or promises to provide the good or service and to pay:
(A) all or part of any applicable insurance deductible; or
(B) a rebate in an amount equal to all or part of any applicable insurance deductible;
(2) the good or service is paid for by the consumer from proceeds of a property or casualty insurance policy; and
(3) the person knowingly charges an amount for the good or service that exceeds the usual and customary charge by the person for the good or service by an amount equal to or greater than all or part of the applicable insurance deductible paid by the person to an insurer on behalf of an insured or remitted to an insured by the person as a rebate.
BE AWARE OF CONTRACTORS OFFERING TO COVER OR PAY PART OF YOUR DEDUCTABLE !!! YOU TREAD ON SHAKY GROUND
Do I need to get two or more estimates ?
NO! YOUR INSURANCE COMPANY HAS CREATED THEIR OWN PRICE LIST AND WILL ONLY PAY ACTUAL COSTS FOR REPAIRS (according to their price list), REGARDLESS OF WHAT PRICES YOU MAY GET. GETTING COMPARABLE ESTIMATES FROM SEVERAL CONTRACTORS DOESN'T MEAN ANYTHING TO THE INSURANCE COMPANY.
Will my insurance give me more money ?
MAYBE! YOUR INSURANCE COMPANY WILL ONLY PAY SUPPLEMENTS ON ITEMS THAT YOU CAN PROVE THEY OVERLOOKED.
Here are some examples of what you may pay.
Example 1
THE INSURANCE COMPANY HAS ALLOWED YOU $5000.00 TO REPLACE YOUR ROOF. YOUR DEDUCTIBLE IS $500.00 SO YOU GET A CHECK FOR $4500.00.
IF YOU CHOOSE A CONTRACTOR TO REPLACE YOUR ROOF FOR $4500.00 YOU ARE LEGALLY REQUIRED TO PAY THE INSURANCE COMPANY BACK THE $500.00 YOU DID NOT USE.
Example 2
THE INSURANCE COMPANY HAS ALLOWED YOU $5000.00 TO REPLACE YOUR ROOF. YOUR DEDUCTIBLE IS $500.00 AND YOUR TOTAL WITHHELD RECOVERABLE DEPRECIATION IS $2000.00 SO YOU WILL GET A CHECK FOR $2500.00.
IF YOU CHOOSE A CONTRACTOR TO REPLACE YOUR ROOF FOR $3500.00, YOU WILL ONLY RECEIVE $500.00 OF THE RECOVERABLE DEPRECIATION BECAUSE, "THE AMOUNT OF RECOVERABLE DEPRECIATION WILL BE BASED ON THE LESSER OF THE ADJUSTERS ESTIMATE OR THE ACTUAL COSTS INCURRED ON DAMAGED AREAS ONLY" or
"IF YOU HAVE REPLACEMENT COST COVERAGE, YOU MAY BE ENTITLED TO THE WITHHELD RECOVERABLE DEPRECIATION AFTER REPAIRS HAVE BEEN COMPLETED, PROVIDED THE COST OF THE REPAIRS EXCEED THE AMOUNT OF YOUR DEDUCTIBLE AND YOUR INITIAL CLAIM PAYMENT".
Example 3
COST OF ROOF IS $5000.00 YOU PAY DEDUCTIBLE (FIRST$500.00)
YOUR INSURANCE COMPANY PAYS $4500.00.
COST OF ROOF IS $6000.00 YOU PAY DEDUCTIBLE (FIRST $500.00)
YOUR INSURANCE COMPANY PAYS $5500.00.
COST OF ROOF IS $7000.00 YOU PAY DEDUCTIBLE (FIRST $500.00)
YOUR INSURANCE COMPANY PAYS $6500.00.
ALL YOU PAY IS THE DEDUCTIBLE AMOUNT REGARDLESS OF THE PRICE SO SELECT A CONTRACTOR YOU ARE COMFORTABLE WITH THAT IS REPUTABLE AND HONEST.
BY LETTING A PROFESSIONAL NEGOTIATE WITH THE INSURANCE COMPANY, WE CAN MAKE SURE THAT YOU GET EVERYTHING NECESSARY FOR A QUALITY RESTORATION.
WE RECOMMEND CHOOSING A REPUTABLE CONTRACTOR WHO WILL USE QUALITY MATERIALS RATHER THAN CONCENTRATING ON PRICE.
ALL YOU ARE REQUIRED TO PAY IS YOUR DEDUCTIBLE IN MOST CASES SO IT IS IMPOSSIBLE FOR YOU TO OVERPAY.
WHICH CONTRACTOR SHOULD I HIRE?
We have successfully completed hundreds of storm damage repairs and we have the experience needed to work on your behalf.
We have extensive experience in working with insurance companies to replace your hail damaged roof, siding, windows, awnings and more.
BEWARE OF CONTRACTORS THAT ASK YOU TO SIGN A DOCUMENT THAT HAS A PRICE MORE THAN WHAT YOUR INSURANCE COMPANY HAS PAID YOU,
Contact us for a free roof inspection and storm evaluation @ 214-779-0031
