Roof Damage Insurance Claims

Roof it Right’s Team Understands Insurance

Navigating the Confusing Insurance Claim Process

There’s no doubt about it, the insurance claim process can be confusing, stressful, and sometimes, overwhelming. Don’t go through it alone!

Do you want to gamble with your family’s roof with these mistakes:

Calling your insurance carrier FIRST, before getting a real estimate from a reputable contractor
Accepting the very first offer from your insurance carrier without question
Choosing a contractor based on price alone

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What’s the difference between successful homeowners
and those who have a bad experience?

Homeowners who gamble with their roof end up with:

1. 1. 1. A patchy-looking roof — Materials don’t match!
    2. A drop in home value
    3. A roof that fails in a few years
    4. A meaningless warranty

Successful homeowners who get a roof that they can count on — attractive, code-compliant, with a warranty that actually means something, are the ones who:

- - - - Research a quality contractor that they trust to do the best work (You only have to pay your deductible, so why settle for less?)
      - Get a reliable estimate from a contractor they TRUST before accepting an insurance offer
      - Work with a contractor that has proven experience with successful insurance claims

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The best way to save thousands of dollars is to hire and work with a reputable contractor that will speak for your best interests. Otherwise, you gamble with the integrity and quality of your roofing system. For more information, see our insurance claim process page.

Did you know? We will not ask the insurance company to pay for anything that isn’t legitimate and reasonable. Instead, we help you understand what legitimate and reasonable expenses the insurance company might have missed.

Disputing Denials

Sometimes, even legitimate storm damage claims get denied the first time. But, if your claim is denied, it isn’t necessarily the end! We are experts at determining storm damage and know when we can prove a claim. So work with us, and we will guide you through the steps to ask for a second evaluation. Don’t pay out of pocket for legitimate storm damage! We can help.

Low Insurance Estimates

The biggest hurdle to a successful roof insurance claim is a low payout offer. There are necessary items in a full roof replacement that many insurance companies routinely deny. But a roof is more than shingles. You need a roofing expert on your side during the roof insurance claim process. If your insurance fails to allow funds for code items or things the manufacturer requires, we go to bat for you. We know what a complete roofing system needs, and we know how to help you prove it to the insurance company.

COMMON ITEMS LEFT OFF OF INSURANCE CLAIMS

- - Ice and Water Shield
  - Landscaping Protection
  - Interior repair
  - Starter Shingles
  - Hip and Ridge Shingles
  - Flashing
  - Valley Liner
  - Clean-Up
  - Gutter Guards/Helmets
  - Skylights
  - Underlayment
  - Vents

Real Life Example #1

From Gambling with Insurance:

Initially, Mr. A’s insurance company proposed $10,522.73 to replace his roof. However, this roof is fairly steep with multiple valleys that require an underlayment of ice and water guard to roof it right. The insurance’s estimate also neglected special concerns for sealing the opening around the skylight as well as labor costs for protecting Mr. A’s valuable landscaping from damage during the repair.

To Guaranteed Quality!

Our insurance claim department helped Mr. A work with his insurance company for an adjusted estimate of $15,000. In addition, the insurance company also agreed that it was fair and reasonable to pay for interior repairs around the skylight, gutter guard replacement, and replacement of damaged wood on the roof deck.

Total Compensation: $19,499.36.

Ready for an attractive, reliable roof with a genuine warranty? Our experienced project managers are ready to help you! Call us now at 502-622-2226 or fill out the form on our contact page.

Did you know? Some roofing contractors find it easier to take the insurance company’s first offer and then just cut corners or reuse materials to match the estimate. We don’t believe in that. It’s more work for us and a longer process. But you need more than a roof over your head; you need a roof that you can count on.

Real Life Example #2:
From Gambling with Insurance:

In the case of Mr. M, his insurance company agreed to compensate him $32,600.01 for a full roof replacement on his fine home. However, that didn’t include landscape protection and only included gutter guards on one side of the house. Also, a change order had to be filed in order to comply with the manufacturer Owens Corning’s requirements for ventilation and to replace an area of damaged fascia.

To Guaranteed Quality!

Our insurance claim department helped Mr. A work with his insurance company to ensure that all manufacturer’s requirements were followed so that all warranties would be valid. He also got the gutter guards replaced on all four sides of the home instead of just one.

Total Compensation: $35,632.91

Ready for an attractive, reliable roof with a genuine warranty? Our experienced project managers are ready to help you! Call us now at 502-622-2226 or fill out the form on our contact page.

The Difference is the Quality of the End Result

If You Are Going to Roof It, Roof It Right!

Example #3:

From Gambling with Insurance:

Mrs. G was originally awarded $9,437.27 to replace her roof. Later, per her policy, we helped her add their garage to their claim to match the house. It was then discovered that the boards on the roof deck of the garage and the back porch had gaps exceeding 1/2 inch between them! Code requires no more than a 1/4 inch gap between boards. The reason being that with large gaps, there is nothing to nail the shingles down into.

To Guaranteed Quality!

Our insurance claim department supplemented the costs of sheathing to cover the gaps on the porch and garage and added ice and water barrier to the garage for a code-compliant roof.

Total Compensation: $14,187.85

Ready for an attractive, reliable roof with a genuine warranty? Our experienced project managers are ready to help you! Call us now at 502-622-2226 or fill out the form on our contact page.