A roof is the top covering of a building, made up of materials and structures that are needed to support it on the walls of the building. A roof offers protection against rain, snow, hail, wind, sunlight, and extremes of temperature. Snow and ice can cause ice dams which can cause extensive damage.
Roofs could be made of asphalt or wood shingles, metal, slate, clay or concrete tiles, and even Tesla solar tiles. All these are likely to sustain damage during their lifetime, due to various reasons like weather conditions, corrosion, wind, and normal wear and tear. Roofing materials tend to blister or crack if exposed to extreme hot, cold, dry, or wet weather. The asphalt shingles in your roof may crack if there are rapid temperature changes. Routine upkeep of your roof is a must if you want it to last for a long time. If well-maintained, asphalt roofing can last up to 15 years, and roofs made of slate, clay, or cement tile can last a lifetime.
Certain parts of the roofing structure are more susceptible to damage like chimneys, vent pipes, valleys between roof slopes, and improperly installed drip-edge. The best time to check dents and cracks in your roof is during summer and fall and before the onset of winter and spring. While roof damage is not uncommon, it is considered to be a serious problem. The important thing is to find the roof damage while it is still small and reparable. A damaged roof allows water to seep, which can ruin your ceilings and walls and even your house’s structure. This could cause mold, which can be harmful to the health of your family.
Standard homeowner’s insurance covers damage caused to your roof by hail, windstorms, fire, tornadoes, and vandalism. Study your insurance policy carefully to identify what it covers before contacting your insurance company. When filing an insurance claim, it is imperative to document the damage. Inspect the ravaged areas of your roof carefully, and note down descriptions of all the damage you can see. Take photographs of the damage and include them with your claim. You should be able to prove that the damage you are claiming is new and not normal wear and tear. Check the time limit within which you need to file your claim with the insurance company. Hire a roofing contractor with the experience to give you an estimate of the repairs or better still contact a professional public adjuster.
A public adjuster is licensed with the State Department of Insurance and will assist you, for a small fee, from the beginning of your claim process until you receive the final settlement amount. It has been observed that insurance adjusters carry out cursory investigations and specify many requirements, which if not met, become reasons to deny roof claims. A knowledgeable public adjuster helps you to document the loss, take photographic evidence. Your Public Adjuster will also represent you in discussions with the adjusters from the insurance company. He will discuss repairs needed and costs with engineers and building consultants. Your Public Adjuster is your representative in negotiations and aims to get you the maximum settlement possible. If more than 25% of the roof surface requires repair, the entire roof must comply with the building code. Therefore, it is important to conduct a brittle test to figure out if you are entitled to a full roof replacement or only repairs would suffice.
Hiring the services of a public adjuster will relieve you of your anxiety as well as get you savings in terms of time and money.
Contact us at Experienced Public Adjusters today for a free claim review!