Our Typical Process for Roof Replacement After A Storm:
1. Determine what the damage is for a legitimate roof replacement claim
A specific number of hits per square or number of damaged spots is required by most major insurance carriers. Conlon Exteriors will make the determination of whether your roof sustained damages and whether your roof meets the minimum that most insurance carriers require to qualify for a claim. To file a claim, you can either directly call the claims department or call your local agent for assistance.
Your insurance company will ask you questions such as the following:
- When did the damage occur?
- What type of damage did your house sustain?
Please ask us if you are not sure what the answer to these questions are – we’re here to help.
2. Schedule with the Adjuster
The claims adjuster at your insurance company will contact you to schedule an inspection of your roof and home. It is necessary for you to be there; we can be there as well to show the adjuster where the damage is.
3. Receive Your Estimate Letter and a Check
If your insurance adjuster thinks your roof is damaged, then an estimate will be written for the scope of work that needs to be done. The estimate letter may be able to be printed on the spot, however usually the letter gets mailed to you. Sometimes your adjuster might be able to write a check to you on the spot. However, most of the time, the check will be mailed to you along with the estimate letter. In the estimate letter it will provide a line-by-line detail of everything that is being put in the claim by the adjuster. It will include the roof along with other things like fascia and soffit repairs, windows and doors, attic fans, siding, and gutters. Conlon Exteriors, Inc. will provide you with a detailed written proposal for all the work needed to restore your home back to pre-storm condition or even better.
Remember, Conlon Exteriors, Inc can take care of all the damage your home has sustained – not just the roof!
5. Your First Insurance Check
Most people end up getting confused at this point. The adjuster determines the value for replacing your roof. He also will determine a depreciation value for the existing roof that is based on its damages and age. You will then receive a check for the estimate amount minus your deductible (in most of the case) minus the depreciation. This is where so many people get confused, because the first check seems exceedingly small for a re-roofing project.
This 2-check procedure has 2 exceptions!
If you have a small claim, your insurance company might pay the whole claim in just one check.
If there is an “Actual Cash Value” with your insurance policy instead of “Replacement Cost Value” then the only check you get will be the estimate minus the depreciation costs and minus your deductible. You will have to pay the different on the cost for replacing your roof. Before you call in an insurance claim on your home’s roof make sure that your check your insurance policy first.
6. Get Your Roof Replaced
After you have your first check and estimate letter, Conlon Exteriors will be able to show you shingle color (and upgrade) options and get starting on performing the work of getting your roof replaced. If we are working on your gutters, soffits and fascia’s, window replacement or siding repair work in addition to roof replacement then then we will start work on those items as well.
7. After the Work Is Complete
After the work has been completed, we will then send you a final invoice that you will forward to your insurance company that states the work has been completed. Your insurance company then releases the depreciation (if applicable) and you will get your second check.
At Conlon Exteriors, Inc., we know that a damaged roof, siding, gutters, and other outdoor items on your home can cause massive damage if left unrepaired. Therefore, we encourage you to hire a local and experienced roofing company like Conlon Exteriors to protect and preserve your entire home.
Roof repair delays might cause problems:
- Reduce the life of your siding and roofing.
- Bruised shingles might turn into holes and then leaks
- Unsightly mold that grows in cracks might start causing leaks.
- Void your siding and roofing warranties.
- Leave you with expensive repairs and cost you more money and time if you decide to sell your house someday.
If you have even the slightest concern that your home has sustained damage, give us a call at (516) 781-5194 now. We will schedule a time to give your home a thorough inspection to help put your mind at ease.
SCHEDULE YOUR FREE INSPECTION NOW!