Atlanta Hail damage insurance claims process
Atlanta Hail damage insurance claims process
1.Weather related claims such as wind or hail damage are considered an act of God and cannot be held against you. Any raise in premiums are statewide or nationwide, not on an individual basis.
2.Roof inspection to determine whether you have suffered any hail or wind damage is free to you, in order to determine whether or not you should file an insurance claim.
3.Roofing damage claims are very subjective which is why it is very important to have professional representation.
4.Roofing contractors represent you when your insurance company makes the final decision, and will file on your behalf for supplemental funds, should any other damage be discovered during the process of replacing your roof.
Is my insurance quote the correct amount to do the work at my house?
Not necessarily, sometimes, insurance companies exclude coverage of essential roof construction items essential to proper replacement and longevity of your new roof. These items are referred to as incidentals. They include vents, ridge, flashing, taxes, dump fees and more. The estimate the insurance company gives you is just that, an estimate. The price may vary, once the entire scope of replacement is identified by your roofing contractor, your insurance company will be responsible for these charges
How I do I know if I have hail damage to my roof? Can I tell from the ground?
If you've had hail in your area, to determine if the shingles have been damaged a close inspection of the shingles has to be made from the roof. Usually you cannot tell from the ground.
If I think I have hail damage what should I do?
Call your insurance company and ask for an adjuster to come inspect your roof for hail damage. Call a reputable roofing company and ask for the same inspection. If there are any discrepancies between the adjuster's findings and the roofer's findings you may call for a "RE-INSPECTION" where your adjuster meets with the roofer to go over the roof together. Re-inspections are very common.
The insurance company must determine two things when assessing the amount of your loss:
Was there sufficient damage to the roof to declare it a total loss? (Usually determined by 10 verified hail hits per 100 square feet.)
What is the size of the roof and how many shingles will be needed to replace the roof
What does hail do to a roof? Shingles are designed so that the granules block the UV of the sun and protect the asphalt underlayment. As the shingles age the granules fall off over time. As the asphalt is exposed the UV, it dries out and the shingle gets a "potato chip" appearance as the corners start to curl up. A shingle at the extreme end of its life is bubbled in appearance and is brittle to the touch. A 20-year shingle is warranteed by the manufacturer to have a useful life, under optimal ventilation conditions, of 20 years. Hail does several things:
Accelerates granule loss.
Accelerates shingle aging.
Voids manufacturer's warrantees.
Leads to other associated problems.
Do I need to get my roof replaced right away?
The insidious nature of hail damage is that it may pose no immediate threat to the structural integrity of the roof. However, many insurance companies have a "statute of limitations" of how long a hail claim is viable. If you have experienced a loss such as hail damage it is prudent to take care of the problem in a timely manner before it leads to other associated problems.
What does hail hit look like?
A hail hit on a shingle looks like a "bruise" or a dark spot where the granules on the shingle have been knocked off and the asphalt underlayment and sometimes the fiberglass mat is exposed. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and has not had time to weather to a dull color.
Why would my insurance company replace my roof?
The purpose of home owner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in that your original investment of a 20-year roof (for example) has now been reduced to a 5-10 year useful life span. Your insurance company will compensate you for your loss and replace your roof.
Why does the estimate read that there are more shingles to replace then there are to remove?
The amount of shingles to remove from your roof is the actual amount of square feet that it takes to shingle your roof. However, when putting on shingles, some shingles have to be cut to fit dimensions, ridges, hips and valleys. The insurance company adds 10% to regular ridge roofs and 15% to hip and ridge roofs to account for the loss of shingles.
My gutters and siding were damaged and the insurance company paid me for how many linear feet had to be replaced.
When I called a contractor they had a minimum fee which was far in excess of the small amount the insurance company paid me. What can I do? Your insurance company understands minimum charges such as these and has set prices they are prepared to pay as minimum charges for all trades. They do not give you the minimum charge up front because such a large percentage of their customers never call a contractor and just pocket the money. If you call your adjuster and ask for the minimum charge for the work, they will pay it without any hesitation.
In my adjustment, my insurance company deducted some money for depreciation, what is that all about?
Different insurance companies call the amount that they hold back different things. Some call it depreciation; other companies figure it in as a dump and removal fee. What it represents is the amount of money the company will hold back until they receive a signed contract from you and a contractor for the work. When they receive a signed contract, you will
receive another check for the amount they have held back.
My insurance adjuster said there was no hail damage on his first inspection, I askedmy roofingestimator to call him and request to walk through a re-inspection with him. On the re-inspection the adjuster concluded that there was hail damage and "totaled" the roof. Why such a dramatic turn around?
There are many different reasons that this happens so often. Sometimes adjusters get to a roof too soon after the actual damage and the hits haven't had a chance to weather yet. Sometimes the adjusters are inexperienced. Sometimes they were tired after looking at so many roofs that day. Sometimes they just make mistakes. The best results for the benefit of homeowner seem to be obtained when an experienced roofer walks through the inspection with the insurance adjuster and calls to the adjuster's attention any damage that he sees.
Watch Arkansas St. Red Wolves vs Fla. International Golden Panthers Online Game Coverage Cheap Van Insurance - Crucial Guidelines Going Full Time? Make Sure You Have The Right Coverage! What To Look For In Your Tow Truck Insurance Provider 1-800-513-3135 Make An Informed Choice When It Comes to Business Insurance Coventry City Vs Queens Park Rangers Live Football Online Streaming Hd Tv Coverage 27-12-2010 Guard Your Money With Credit Protection Insurance Services What Credit Protection Insurance Is Trying To Tell You? Disability Coverage For Enterprises Reviewing Your Los Angeles Insurance Policy The Basics Of Errors And Omissions Insurance An Insight of Invisible Braces Insurance A Guide to Rental Insurance