Many times, insurance adjusters will either come out and deny a claim or pay for repairs. Some roofing companies aren’t willing to take the extra steps or don’t know the extra steps needed to get the claim overturned to a full replacement. We’re confident we can help get your denied or repaired claims overturned. We’re here to help you with your Insurance Claims for Roof Damage.
We are partnered with a PA in Georgia, so we understand how to properly file insurance claims for roof damage.
PA stands for Public Adjuster. A lot of times if a homeowner has a difficult insurance company, we push their claims straight through our PA (Precision Claims). The reason we do this is to give our homeowners the best chance at getting their roof replaced as we can. Our PA’s are state licensed adjusters that are able to argue policy with insurance adjusters. They are also accompanied by state licensed engineers that help our PA prove their case for a full replacement to your insurance company.
Have you been denied by your insurance company for a roof repair or replacement? Contact us and let Whitaker Roofing get the Claim overturned. If you have a question about the insurance claim process, make sure to view our answers to our most frequently asked questions below.
No, legally insurance companies cannot raise your rates due to making a roofing claim. A roofing claim is considered an “Act of God” because you can’t control the weather and you can not physically get on your roof to try and protect your home during a storm. Unlike a car accident claim where you can try to prevent an accident from happening. If your homeowners’ premiums are increasing, it’s due to the number of homes affected in the area. They cannot legally penalize you for making a claim, but they can increase the rates of all the homeowners in the zip code if many homes are affected.
You do not have to worry about your insurance company dropping you with one roofing claim. Most policy holders can make three claims a year without being penalized.
If you have a new storm date that was after the first claim, you’re fine to make another roofing claim if you don’t make more than three in a year.
Just because you don’t have any leaks that you can see on the interior of your drywall doesn’t mean you don’t have any leaks or roof damage. Once you get to the point of experiencing a leak inside your home, this indicates that your roof has been damaged for quite some time. For you to see a leak, the water must make its way through your shingles, felt, home decking, insulation, and then finally your dry wall. By this point the leak has caused much more damage than just the eye can see.
Another reason to get your roof inspected after a storm is because insurance companies have statutes of limitations on the storm dates. If you get your roof checked and you have storm damages, you want to contact your insurance as soon as possible. The insurance company is more likely to pay for full roof replacements if the damages were caused by a recent storm. Once the statutes of limitations are up, the damages can be considered neglect from the homeowner.
If all your neighbors are getting their roofs replaced due to a recent storm, it is very likely that you too have the same storm damages. STORMS ARE NOT PICKY! Some insurance companies try to play “hard ball” and deny claims that should have been bought the first time. The way we get harder insurance companies to approve homeowners’ roofs is by using our PA (Public Adjusters). They have the exact same credentials as insurance adjusters and work along side their engineers to ensure every homeowner has the best chance to get the new roof they NEED and DESERVE. The best part is we tote the bill for the PA, so you will not owe any extra out of pocket expenses!
If your property was in the path of a storm that was strong enough to damage your roof, insurance should approve a full roof replacement if there is sufficient damage. Insurance cannot speculate how old the damage is, especially if there was a recent storm that occurred prior to filing the claim. There are some stipulations, such as hail damage. Hail damage can only be claimed within one year of the date of occurrence. Wind damage, on the other hand, has no statute of limitation and can be claimed after a year of the storm.
Retail: When it comes to a roof replacement there are a few different ways you can go about it. First you should always have a licensed contractor to inspect the property to see what exactly is causing leaks or concern with your roof. If your roof is just old and deteriorated, it may just be leaking from “wear and tear”. “Wear and tear” is typically granule loss, dry rotted pipe boots, dry rotted silicone, and blistering due to nail heads. If you are experiencing these symptoms alone, the best option would be to either pay for the roof out of pocket or to try and finance the roofing project. One downside of having to pay for your roofing project out of pocket is the quality of roof you want. When replacing the roof, you are not just replacing the shingles.
For your roof to work properly you need you entire roofing system upgrade and replaced. This includes valley flashing, chimney flashing, starter shingles, felt, step flashing, ventilation systems and finally the type of roof you’d like to protect your property. Unfortunately, due to all the price increases from Covid-19, retail jobs continue to become more costly making it harder for property owners to put the roofs they need and deserve on their properties.
Insurance: The other option when replacing your roof is to assess any storm damages your roof on your property may have. When inspecting a property, the typical damages incurred by storms are wind, hail, or impact damage. When a roof is already aged and experiencing signs of “wear and tear,” they are much more susceptible to storm damages. If a roof has any storm damages the best option is to push it through insurance. First, this is the sole reason you pay for insurance. Every month you pay a premium to insure if any “Act of God” were to occur that insurance would be liable in helping with costs to replace what was damaged on the property. This is no different with the roof.
Another pro of going through insurance is that they pay to go back with “like, kind, and quality.” This means when they pay for a roof replacement, they pay for all components to ensure the roof is done correctly the first time. They also keep up with the industry. All insurance companies use a software called “Xactimate”. When price increases occur, they are entered into this data base to ensure all prices are correct for material costs. Lastly, another great benefit of using insurance if you’re able to is they make sure your roofing project is complete before they release all funds. Once your contractor has completed the job, they’re required to submit completion documents and photos showing they’ve completed the job and brought the property up to code.
Have a question that wasn’t answered above? Call us or message us an we’ll answer any question you may have.
Whitaker Roofing Company offers expert residential and commercial roofing services in Georgia, Tennessee, and Alabama. Specializing in roof inspections, repairs, and replacements, we ensure your roof’s durability and protection.
Trust our experienced team for quality workmanship and customer satisfaction. Contact us today to secure your roof’s longevity.
