Contact insurance or talk to roofer first?


#1

I think my roof might have hail damage. We had a few hail storms come through this year, with a pretty big one on 05/31. I want to see if my insurance will cover a new roof but I don’t know the protocol I should follow. I rent the home to some friends and don’t live nearby so I wasn’t around to take pictures at all or anything. The roof is pretty old so its been through a lot. We recently had the vents replace as we had water leaking in from them.

What would you all advise as my next step and why??


#2

[quote=“trevorr77”]I think my roof might have hail damage. We had a few hail storms come through this year, with a pretty big one on 05/31. I want to see if my insurance will cover a new roof but I don’t know the protocol I should follow. I rent the home to some friends and don’t live nearby so I wasn’t around to take pictures at all or anything. The roof is pretty old so its been through a lot. We recently had the vents replace as we had water leaking in from them.

What would you all advise as my next step and why??[/quote]

Interesting scenario. Have your friends seen their neighbors roofs being replaced?


#3

Haven’t noticed…I think I might just file the claim and see what happens.


#4

You should pay a local long term roofing contractor for a cursory inspection. Not a clipboard storm chaser salesman, because every roof they estimate fro the street has hail damage.

A reasonable fee would be 125 to 250 if it is a high roof and very cut up for it to be properly examined for storm damage.

The fee usually is waived if the inspection results in you obtaining full replacement cost coverage from your insurance company.

You can call just the claims department, but when an adjuster has no second set of eyes to assist in pointing out the damage, they tend to favor the companies side.

Ed


#5

If you really think you have hail damage first find a roofer you trust to work with then proceed making a claim.

Most adjusters don’t mind roofers being on site with them for inspections. What adjusters don’t like is aggressive storm chasers that right away get in their face before they even mark out the first 10x10.

You could even call three roofers and get estimates and ask for their take on the damage.

Last Fall a home owner told me a “roofer” looked at the roof on the four unit town home they live in and said there was no hail. After meeting with the adjuster the building is getting a new roof, gutters, and siding. The roofer must have had really bad eyes.


#6

Many small time roofers who have not been around long enough do not know what hail actually looks like.

Ask if they have experience in diagnosing hail damage first.

Ed


#7

Ed, I hear what you are saying. We recently recieved a call from someone who thought they had hail damage. They had a “roofer” come out and look at it and they said that they did need a new roof but because of reasons besides hail damage. They called us for a second opinion and well, there was plenty of hail damage. I think maybe that company did not want to deal with the insurance company because they have been known to be the fly by night sort of company. The place where they charge for new valleys but instead paint over it, use existing felt they charged the homeowner for, that sort of stuff. Anyways we got the roof. I wish everyone would just do quality work and try not to cheat ahead because it just ruins the names of the good roofers who truly care about what they do.

I guess thats my little rant of the day.

Take care all.


#8

BamBam,

What part of Wisconsin are you in?

I/m heading up to Green Lake Sunday late afternoon with my crew to do my Mom and Dads roof on a Gambrel style home on the lake.

Just wondering if you were nearby, since I am coming back Monday night and leaving the crew there.

Ed


#9

I know a few general contractors that have been licensed for as long as licenses were required in MN and they can’t stand working insurance claims.

Most storm chasers think blisters are hail damage and curled shingles are wind damage.

Had to laugh saw a car driving on the road today that had a magnet on it that said, “Insurance specialist”.


#10

Hey Ed, I am not sure where that is so I have no idea where you are heading to today. I am from a suburb of Milwaukee. I hope it goes well up there. It will be very hot and humid for them tomorrow.