Questions:

Do you offer free estimates for Insurance Claims? Why does the estimate read that there are more shingles to replace then there are to remove? What will a new roof cost? Exactly what does the Insurance company pay to replace? What is a deductible and who pays for it? In my adjustment, my insurance company deducted some money for depreciation, what is that all about? Will the Insurance company paid out enough to have my home repaired? How can a homeowner recognize when a roof has problems? How long can I expect my roof to last? If I think I have hail damage what should I do? What does hail do to a roof? How I do I know if I have hail damage to my roof? What are my options if I decide to re-roof?

Do you offer free estimates for Insurance Claims?

Your Insurance company will send out an adjustor to provide you with an adjustors Report listing all visible damage at time of inspection. The adjustors report is your Estimate. You may contact us for Insurance Claim but we will not set an appointment until you have your adjustors report in hand for review. We do not offer free estimates for Insurance Claims.

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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.

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What will a new roof cost?

The price of a new roof varies widely, depending on the material selected, the contractor doing the work, the home itself, area of the country, local labor rates, time of year, and more. To get a good idea of the cost for your roof, get three of four estimates from reputable contractors in your area. Keep in mind that cost is only one factor, and it must be balanced against the quality of the materials and workmanship. For each roofing material there are different grades - and corresponding prices. Plus, there are a variety of styles and shapes. You need to look at the full product range and make a choice based on your budget and needs. Within the roofing profession there are different levels of expertise and craftsmanship. Pick a contractor who is committed to quality work.

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Exactly what does the Insurance company pay to replace?

Your insurance will pay for Replacement cost only. If you desire upgrades, you are expected to pay the difference plus any overhead and margins to the contractor.

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What is a deductible and who pays for it?

A deductible is an amount which a policyholder agrees to pay, per claim or per incident, toward the total amount of an insured loss. For example, if you incur a loss and your insurance company determines that repairs for the damages are going to cost, $1000.00 and your policy has a $250.00 deductible, your insurance company will pay $750.00 and it will be your responsibility to pay the remaining $250.00 balance to the contractor.

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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.

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Will the Insurance company paid out enough to have my home repaired?

Insurance companies expect supplements from the contractor. If is very easy for an Insurance Adjuster to miss several items while doing their estimate. Every Insurance company has a Supplement Team to deal with additional cost. Your only out of pocket expense is your deductible.

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How can a homeowner recognize when a roof has problems?

All too often, roof problems are discovered after leaking or other serious damage occurs. Periodic (twice-a-year) inspections can often uncover cracked, warped, or missing shingles, loose seams and deteriorated flashings, excessive surface granules accumulating in the gutters or downspouts, and other visible signs of roof problems. Indoors, look for cracked paint, discolored plasterboard, and peeling wallpaper as signs of damaged roof areas.

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How long can I expect my roof to last?

The condition and lifespan of your roof will depend on the type of roof you have, the effects of your local environment and the maintenance which the roof has received. According to the American Society of Home Inspectors, asphalt shingles generally last 15-20 years; wood shingle/shakes, 10-40 years; clay/concrete tiles, 20+ years; slate, 30-100 years; metal roofing, 15-40+years. Roofing product manufacturers off a variety of warranties on their products.Take a close look at those warranties to see what responsibilities and financial obligations they will assume if their products fail to reach their expected lifetimes.

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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:
1. Was there sufficient damage to the roof to declare it a total loss? (Usually determined by 10 verified hail hits per 100 square feet.)
2. What is the size of the roof and how many shingles will be needed to replace the roof

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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:
1. Accelerates granule loss.
2. Accelerates shingle aging.
3. Voids manufacturer's warrantees.
4. Leads to other associated problems.

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How I do I know if I have hail damage to my roof?

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.

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What are my options if I decide to re-roof?

You have two basic options. You can choose a complete replacement of the roof system, involving a tear-off of the old roof, or a re-cover over the existing roof, involving only the installation of a new membrane and surfacing. If you've already had one recover over your original roof, check with a professional roofing contractor to see if your deck can support a second recover.

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