Roofing Insurance Kersey

You’re a homeowner and determined your home’s roof needs fixing or needs to be improved with a replacement roof. You’re all set to get moving. What’s the optimal way to get a high quality roofer who will accomplish a good job? What could you look for in a roof contractor or contractor to obtain this work? Kersey 

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When homeowners choose to repair a roof or replace that roof with asphalt during the cold winter months, they’re often plagued by worries that their family will freeze before the job is completed. In the same vein, those starting a roofing job in the sweltering summer months worry that they’ll be facing heat stroke. These concerns are perfectly normal and common among many homeowners looking for roofing fixes or roof replacement contractors.

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residential roofing options The storm has come and gone, did your home suffer any roof hail damage? Hail storms are capable of producing hailstones up to 6" in diameter. These balls of ice fall from the sky with no regard to your roof. The larger a hailstone is, the faster it will fall, potentially causing more damage to your home.Many factors play into how much damage a hail stone may cause. Size of the hail, wind speed and direction are only a few pieces of the puzzle. The age of your roof's shingles, the type of shingles and if your shingles are "impact-resistant" can all factor in to the severity of your roof hail damage.Damage to your roof's shingles can compromise the effective life of your roof and even if not immediately visible, may lead to large scale problems if not identified in a timely manner. Here are a few tips which will help you properly identify roof hail damage.Tip #1: Is there any visible damage on the inside of your home? If you see water stains or slow drips on the inside of your home, then you have a problem which requires immediate attention. A new water stain on your ceiling is most definitely a sign that your roof was compromised. If left untreated, the problem will worsen leading to further damage which may require a complete tear-off of your existing roof, not to mention repairs to the interior of your home. Tip #2 Are there any visible dents (blisters) on your roof's shingles? Just because you don't see any damage to the inside of your home does not mean your roof was not damaged. When there is no visible damage to the inside of your home, it may provide a false sense of security. By neglecting exterior damage, you run the risk of damage to your home in the months to come. Even worse is if you don't file an insurance claim within the time guidelines stipulated in your homeowner's insurance policy, you may lose benefits that you are entitled to now.Identifying shingle blisters requires a visible inspection of your roof. Sometimes blisters may be hard to see. It can be helpful to look for small dings on metal or aluminum vents, downspouts or gutters. It is typically easier to identify these marks than blisters on your shingles. If you believe you have visible evidence of damage, it is suggested that you contact your insurance agent immediately to express your concerns and to find out what your policy covers and the procedures necessary to file an insurance claim.Tip #3 Get your own independent professional opinion. There's no denying when a hail storm has blown through town. The National Weather Service records all storm data. If there is knowledge of a storm, and you contact your insurance company, they will most likely dispatch an adjuster. That adjuster represents your insurance company. His job is to identify damage, assess the cost to repair or replace your roof and make sure all of the paperwork is in order to process a claim.It is suggested that you contact a local roofing company that is trained in roof hail damage for an independent opinion prior to your insurance adjustor performing their inspection. Your roofing company is capable of representing your interests. They should be willing to provide you an inspection and estimate to repair any damages free of charge. More importantly, they should be willing to back up their estimate and make themselves available for mutual consultation with the insurance adjuster. If the adjuster and roofer can agree on the remedy for the damage and the cost, this can expedite the process. In most cases your roofer will be awarded the repair job.Tip #4 Get It In Writing. Most insurance companies will only issue a check directly to the roofer. This protects the insurance company from the homeowner "pocketing" the proceeds and never repairing the damage. By getting your roofing contractor to agree to the type of repairs to be performed and the costs involved, this will insure that your roof gets the required repairs. If your roofer agrees that the insurance check is sufficient to repair your roof hail damage, then they should be willing to do the repairs for that cost, nothing more. Roof replacement or repair due to hail damage can be one of the most expensive repairs for homeowners and insurance companies. Making sure that you properly identify roof hail damage in a timely basis, and following the proper procedures will help protect your family's most important asset, your home.In summary home owners who think they may have suffered storm damage should: Look for visible water damage inside your home. Look for damage to your roof's shingles that may compromise the effective life of your roof. If necessary, contact your insurance agent and file a claim. Consult a local roofing contractor trained in Roof Hail Damage to represent your interests.

Roofing Hail Damage - Things You Should Know Before You Hire a Roofing Contractor

local roof repair contractors Being professional roofing contractors we know all too well the damage hailstorms can do. Hailstorms produce balls of ice ranging in size from a few centimeters up to nearly 6" in diameter. A 6" piece of hail is pretty rare, and would certainly do major damage to your home, but even the more common, smaller hail frequently does enough damage to roofs and siding to require major repair work.Hail damage is not always easy to detect, especially if you have a two or three story home and cannot easily access your roof. Hail damage can leave your home exposed to potential water damage as well as limiting the lifespan of your roof. Because of this you should identify and deal with damage as soon as you can. If you wait too long you may also be denied by your insurance company when you finally get around to filing a claim for the repairs. Have there recently been any hail storms in your area? Do you suspect your home may have been damaged? The following steps will help you determine if there was any damage and outline the steps to getting it repaired. Step One: Check around the exterior of your home for visible damage. Look for things like freshly damaged paint or dents in the siding. If you are able to safely access your roof, look for missing shingles or shingles with blisters or dents. Also, check for dings and dents in your gutters and downspouts.Step Two: Check inside your home for visible damage. New water stains on your ceiling or running down your walls is a problem that needs to be immediately addressed! If you don't fix a roof leak in a timely fashion you could end up having to completely replace your roof, in addition to major repairs do to water leaking into your home.Step Three: Contact your insurance agent right away and make sure they are aware of the damage. They will probably have one of their adjusters out to evaluate your home and prepare a cost estimate for the repairs.Step Four: Contact your own local roofing contractor for an independent evaluation. Even if you trust your insurance agent and their adjuster, you should always get a second opinion from a roofing contractor you trust. Because they don't work for the insurance company they should be less biased in their assessment. Usually the roofing contractor you contact will be willing to communicate with the insurance company if there are any discrepancies in the two evaluations. Step Five: Get everything in writing. The roofing contractor you decide to hire should provide you with a contract detailing the work to be done and what it will cost. You insurance company should also provide you with paperwork about the details of your claim. Cover yourself by getting as much as you need to feel comfortable in writing.It only takes a matter of minutes for a hailstorm to do an amazing amount of damage to your roof. As soon as the storm passes begin the process of determining the damage and contacting your insurance company and roofing contractor. If you wait too long it may be too late! new roof installation

Hail Damage Roof Fort Collins