Tips for filing a hail damage roof cliam

Screen Shot 2016-05-28 at 9.30.24 AM

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.

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.

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.

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.

New roof/ Siding/ Roofing Contractor Troy, IL

New roof/ Roofing Contractor Troy, IL

Choosing the Right Contractor

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.

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

o   The 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.

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.

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

Edwardsville Il roofing scam

Written by: Sarah Ryterski

Written by: Sarah Ryterski

Look carefully at these hidden roofing scams that are not often discussed.

The average homeowner probably has to get a roof twice in their life. So it is not surprising that when one needs a new roof there are a lot of things to consider so you don’t lose out on your hard earned money.

Roof scams

1. The sub contractor

A nicely dressed well informed person is there selling the roof putting all your fears aside. Then that salesman hires a sub-crew. Perhaps the crew knows what they are doing, but what of they don’t.

Short story

A customer called concerned about what look like a blown off shingle. Her roof was only two years old. We got there to inspect and found the the roof was installed improperly. She had soft wood in areas and the shingles not only had high nails but not enough in each shingle for manufacturers specifications. She reported the findings to the original roofing company and they were non responsive and just passing it off as “high winds” must have done the damage. Final outcome the homeowner is left with a $900.00 roofing repair and the rest of the roof will surely encounter problems as time goes by.

How to avoid this scam:

Make sure the company you hire has their own employees. Ask who will be on the roof by names. Ask who the Forman on the job will be. If at all possible make sure the owner of the company will be working side by side with the employees to ensure the quality of workmanship.

2. No or wrong ventilation

Not all roofs are created equal. Just because a company scribbles down something on paper does not mean they know what they are must have ventilation on your roof to maintain your roof. If there is not ventilation on your roof your shingles will bake on and disintegrate.

A short story

First off, I don’t consider myself a salesman. When I go to a customers home it is to educate and discuss the issue at large. I then give my opinion, my fix and a price if they were to hire my company to fix it. Weather the customer decides to go with my company or another I just want everyone to be happy. One particular bid I educated the customer then we parted ways. A month later when driving by I noticed the roof had been completed. As I looked at the home I noticed absolutely NO venting. I know I discussed with her the importance of this. Perhaps someone’s bid was cheaper than mine or maybe the salesman was pushy either way this customer is going to be needing a new roof in the next five to ten yeas.

How to avoid this scam:

First, get it in writing! Everything should be detailed out in a roofing estimate. If you are unsure ask the roofer to take pictures during installation so you can see the work get done. Lastly, have a second opinion prior to the work being done to discuss placement of vents.

3. Sub-par materials and poor installation

This takes some work on the homeowners part read my blog Owens corning vs certainteed for a comparison. Certain shingles are prone to blow offs. There are many grades of shingles. Be sure the shingle you choose matches the outcome you desire. Be sure your proposal includes ice and water shield. Make sure your proposal outlines that four nails per shingle will be used as well.

A short story:

One homeowner had a roof installed by a company that clearly used low grade shingles and installed the roof improperly. The wrong number of nails were used per shingle and flashing was not installed properly. After we investigated and told her the findings she was left having to file a lawsuit to re-coup the price of the roof to have it repaired properly.

How to avoid this scam:

Check criminal background of the company to check for any lawsuits. This could be a red flag. Remember not to just ask for references but also addresses of homes that they have roofed. Check with your local city hall and ask about local trusted companies. Your local insurance company usually has a list of trusted contractors as well.

4. Down payment disappearing act

If a contractor asks for a down payment BEWARE! The majority of roof can be removed and replace in 1-4 days. This is plenty of time for the job completion prior for the materials and labor to be due. It is possible the the roofing company will request proof of funds and this is normal.

No short story story for this one.

I have seen it too many times. Just don’t do it!

How to avoid this scam:

Be sure the contract states “pay upon completion”.


Sign now and I can give you $ 500.00 off. This is a high pressure tactic that is just not realistic. The bottom line is it costs a certain amount to put on a roof. Where is this magical $500.00 coming from? Are they going to use cheap materials? Are they using untrained professionals to be able to pay them less? Don’t be bullied into signing anything. A bottom line has to be made to install a roof. Are they marking up the roof $500 to be able to give you a discount? If this is the case then do you really want someone installing your roof who is playing games with money?

How not to be scammed:

Just remember a roof is a huge investment. I know we all want a great deal, that’s human. Be sure to protect your investment by doing your homework and comparing your options.


Sarah Ryterski call me anytime (618)558-2675



Your Name (required)

Your Email (required)


Your Message

Please enter the text below

Edwardsville Il roofing contractor

New Roof & Roof Repair Edwardsville Il , 62025, 62026


Looking for Roof Repair Edwardsville Il , 62025, 62026? Which company should you contact to have the best roofing job done on your home or business? The truth is that most roofing companies in Roof Repair Edwardsville Il , 62025, 62026 are high quality and offer extremely professional service, but there are a few simple tips you can keep in mind when choosing a roofer to help you find the right one for the right price.

The first thing you should look for when exploring Roof Repair Edwardsville Il , 62025, 62026 is experience and expertise. The roofing company or contractor you work with should be an expert in their field and work with the latest and most advanced roofing techniques to get the job done right. One of the best ways to investigate a roofing company is to try and find their website online. You can also search for their company name to see if other customers have left them reviews on some of the internet’s popular review websites such as angislist and the BBB. Also check the status of the company on

Price is always something to consider when working with Roof Repair in Roof Repair Edwardsville Il , 62025, 62026. Roofing jobs are very complicated and often require many working hours and lots of specialized materials. However, this doesn’t mean you have to pay a lot to fix your roof or get a completely new roof installed. The best way to get the most competitive prices is to shop around. Be sure you compare materials to be sure that quality materials are going to be used. Watch out for companies offering “specials”. This is often just a numbers game they are using to get a quick sale.

Ryterski Inc. Roof Repair in Roof Repair Edwardsville Il , 62025, 62026 don’t just install roofs on new homes but also rebuild roofs. They can also help repair damages to any kind of roofing and add to how great your home or business looks.

Roofing companies often work on smaller projects like adding new shingles to a roof in order to make it look nicer. They can also help upgrade your roof to newer materials that stand up better against the elements over the years. Ryterski Roof Repair in Roof Repair Edwardsville Il , 62025, 62026 can also help out with rain gutter problems. They often have excellent solutions to help make sure your roof stays dry. In our area, it’s important to work with professionals Roof Repair to ensure that excess water doesn’t pool in weak spots on the roof that can lead to serious problems down to road.

Ryterski Roof Repair in Roof Repair Edwardsville Il , 62025, 62026are professionals who can help you with just about any roofing need you may have. Working with Ryterski Roof Repair is an easy process and in most cases you can have your roof completely repaired in just a few days!

Ryterski Roof Repair Roof Repair Edwardsville Il , 62025, 62026. Roofing Company in Roof Repair Edwardsville Il , 62025, 62026 Free Roofing Estimates in 62025, and 62026

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.
– 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.