Tips for filing a hail damage roof cliam

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Finding out that your roof needs to be replaced or repaired can be troubling for many homeowners. Dealing with insurance claims, talking to adjusters and making sure you get reimbursed for all covered damages is a daunting process. Many homeowners are simply unsure about how to file a claim, where the process can be problematic, what types of documentation they need, or what to expect.
To a home insurance company, the roof is the most important part of your house. It’s the gateway to far greater damage claims once it’s damaged. In more than 90 percent of hail or high-wind claims, there is a payout relative to the roof cover, according to the Insurance Institute for Business and Home Safety. Insurance companies review roofing claims very carefully and they expect you to provide proper documentation and other information in order to process your claim.
FIND OUT WHAT YOUR POLICY COVERS

The easiest way to know what’s covered or what’s not, is to contact your insurance provider.
Some policies take the age of your roof into account at the time it is damaged. For example, if your roof is less than 10 years old, you may be covered for the full cost of repairing or replacing the damaged section of your roof at the time of the claim. If your roof is more than 10 years old, you may only be reimbursed for the depreciated value of the damaged roof. The depreciated value takes the aging and wearing of your roof into account, meaning its value has decreased prior to any damage occurring.
Some policies will only offer roof damage coverage up to the depreciated value, regardless of the age of your roof. Other policies will cover the full cost of repairing or replacing the damaged section of your roof at the time of the claim, regardless of the age of your roof. In most cases, your insurance company will send an inspector to your home to investigate and verify your claim. If the damage is determined to be from aging, wear and tear, or poor condition of your roof, it will typically be considered normal maintenance, and will not be covered under your policy.
PROVIDE DOCUMENTATION FOR YOUR CLAIM

To ease the experience of the claims process and to help you receive proper settlement for your loss, take a set of “before” photos of your roof and exterior property. Update the photos whenever you have maintenance or repairs done. After damage occurs, take a set of “after” photos. Document and record the damage as well as any estimates, invoices and bills you receive. Having all of this information on file will help ensure a smooth and hassle-free claims process.
CHOOSE A CONTRACTOR WITH INSURANCE EXPERTISE

Before you can get work done on your roof that will be covered by insurance, you will need to get an estimate from a professional roofing contractor. In most cases, you can use the roofing company of your choice. Your roofing contractor should be able to help you navigate your way through the roof insurance claims process. Some roofing companies employ Certified Public Adjusters who will deal with your insurance company on your behalf. Look for contractors with extensive experience in providing roof estimates for insurance claims and helping clients navigate the process of getting their roof repair or replacement covered by their insurance company.
The most important thing to remember is that, if you suspect your roof has been damaged, you shouldn’t wait to get it inspected by a roofer. Find out the extent of the damage as soon as possible. This will help expedite the process and also help you avoid further damages that might not be covered under your policy. Tips for filing a roof claim.

Troy Il Roofing

Troy Il Roofing Contractor!

Looking for someone to handle all aspects of  your claim in Troy Il????

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New roof/ Roofing Contractor Troy IL

Choosing the Right Contractor in Troy Il

Spring is in the air. Often when the weather warms we tackle home projects. Often it may be a job too large to handle ourselves or call for a professional in that particular trade. Here are some ideas to help choose the right contractor.

Where to find contractor:

o   Call your local city hall and ask for reputable contractor names. Troy may not have a list but you can call others that do!

o   Ask a reputable company for a suggestion (perhaps your plumber knows a great roofer).

o   The Troy  phone book offers several options.

o   Web search are great for finding local companies that often showcase photos of their work online.

After selecting contractors to provide proposals it is important to interview your contractor to see if they are a right fit for your family. Your contractor will be in your home around your family a certain level of trust is a necessity.

How to “background check” of your contractor:

o   If it is an Illinois Licensed Professional a license can be looked up to be sure it is valid and does not have any actions against them.

https://www.idfpr.com/LicenseLookUp/LicenseLookup.asp

o   Do a background check on your contractor. If you find several lawsuits this can be a red flag. It is quick, easy, and free.

http://www.co.madison.il.us/CircuitClerk/eMagnusLite.shtml

o   The Better Business Bureau is also a great place to look up your contractor.

http://stlouis.bbb.org/Find-Business-Reviews/

Architectural vs 3 Tab Comparison Side by Side 2017

Architectural vs 3 Tab Comparison Side by Side

 

Architectural Shingles 3 Tab Shingles
Architectural Shingles vs 3 Tab Shingles
 
1. Architectural Shingles or a.k.a dimensional or laminate shingles differ from the traditional 3-tab asphalt shingle look. They differ because the actual shingle tabs have various sizes and shapes. These various sizes and shapes give them a more “dimensional” look to them and can actually make a shingle roof look more like shake. vs 1. 3-tab shingles have only 1 shingle tab size and shape.
2. Architectural shingles weigh more than 3-tab shingles. In fact, they weigh around 50 percent more than the asphalt 3-tab shingles. vs 2. Architectural shingles are composed of one flat layer and do not have a dimensional look to them. Because they are more simple and are made up of less material they weigh less than architectural shingles.
3. Because architectural shingles are thicker than 3-tab shingles they have a longer warranty than most 3-tab shingles. Architectural shingles almost across the board have a minimum 30 year guarantee and are rated to resist higher speeds of wind. vs 3. 3-tab shingles are less thick than architectural shingles and almost always have a shorter year guarantee. Because of this 3-tab shingle roofs need to be replaced sooner than architectural shingle roofs.
4. Architectural shingles cost more than 3-tab shingles. vs 4. 3-tab shingles cost less than architectural shingles.
5. Architectural shingles help maintain or raise the value of the home as long as they are properly installed. They are a preferred shingle for homeowners because they help the homes value. vs 5. 3-tab shingles are still preferred among residential rental properties and lower value homes where the initial higher cost can not be met for architectural shingles.
6. Architectural shingles are constantly becoming more and more popular in the roofing market. vs 6. 3-tab shingles are on the decline in popularity.

Roof Replacement Maryville IL

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The following information is designed to assist owners in establishing a regular and beneficial roof inspection and maintenance program. This important area of responsibility for the building owner can provide many long-term benefits, including extended life expectancy of the roofing system, reduced average in-place cost, prevention of major deterioration resulting from minor problems and eventually, reduced roof system replacement cost.
Roof Maintenance Guidelines
All roofs require regular inspections and periodic maintenance to achieve their expected life. Roofs should be inspected at least twice yearly, in the spring and fall. Additionally, all roofs should be inspected after any severe weather or storms. The roofing contractor who installed
the roof membrane, inconjunction with the building owner’s maintenance personnel, should perform these inspections. Leaks occur most often at flashings, pitch pans, gravel stops, and other penetrations. Pay special attention to these areas.
Included among the roof components that are not part of the roof membrane and hence not covered by the applicable CertainTeed limited warranty are the
following: underlying roof deck, insulation, vapor retarders, fasteners, metal work, drains, pitch pans, expansion joints, skylights, vents, plastic accessories,
decorative or reflective coating, surfacing and/or any ballast, rock, or gravel. Roof components are the owner’s responsibility to maintain.
General
– One of the keys to avoiding roof damage is limiting access to the roof. Allow only authorized personnel on the roof who understand good roof
access procedures and precautions. Bag and remove all debris from the roof. Keep grease and oil off of the roof. Clean and remove any liquid deposits
immediately. Do not allow foot traffic on the roof in very hot or very cold weather. Do not allow the installation of television or radio antennas, satellite
dishes or other mechanical equipment without notifying CertainTeed for approval and for consultation about the methods and details for these installations.

Roof inspection Maryville Il


The following information is designed to assist owners in establishing a regular and beneficial roof inspection and maintenance program. This important area of responsibility for the building owner can provide many long-term benefits, including extended life expectancy of the roofing system, reduced average in-place cost, prevention of major deterioration resulting from minor problems and eventually, reduced roof system replacement cost.
Roof Maintenance Guidelines
All roofs require regular inspections and periodic maintenance to achieve their expected life. Roofs should be inspected at l
east twice yearly, in the spring and fall. Additionally, all roofs should be inspected after any severe weather or storms. The roofing contractor who installed
the roof membrane, inconjunction with the building owner’s maintenance personnel, should perform these inspections. Leaks occur most often at flashings, pitch pans, gravel stops, and other penetrations. Pay special attention to these areas.
Included among the roof components that are not part of the roof membrane and hence not covered by the applicable CertainTeed limited warranty are the
following: underlying roof deck, insulation, vapor retarders, fasteners, metal work, drains, pitch pans, expansion joints, skylights, vents, plastic accessories,
decorative or reflective coating, surfacing and/or any ballast, rock, or gravel. Roof components are the owner’s responsibility to maintain.
General
– One of the keys to avoiding roof damage is limiting access to the roof. Allow only authorized personnel on the roof who understand good roof
access procedures and precautions. Bag and remove all debris from the roof. Keep grease and oil off of the roof. Clean and remove any liquid deposits
immediately. Do not allow foot traffic on the roof in very hot or very cold weather. Do not allow the installation of television or radio antennas, satellite
dishes or other mechanical equipment without notifying CertainTeed for approval and for consultation about the methods and details for these installations.