Storm Damage

First, it’s important that you remember that a lot of storm  damage to your roof isn’t always visible.

While large hail, trees, or fallen limbs can cause visible damage to your roof, there are usually other types of damage that are easy to overlook.

The most obvious damage is to your the integrity of your shingles which can compromise the integrity and longevity of your roof.

If hail comes with high winds or lasts longer than a few minutes, even small-sized hail can create severe damage to your roof shingles and degrade protective granules. Losing shingle granules will significantly reduce the lifespan of your roof and can expose the glass based center of the shingles to UV rays from the sun. Deterioration of your roof shingles can occur in a short period of time.

So,  it’s always a good idea to have your roof inspected by an experienced roofing contractor after bad weather or a severe storm.

After a severe storm, contact My Town Roofing and schedule an inspection. Our team is trained to identify and verify the extent of all storm-related damage (both visible and non-visible) and outline how it should be repaired or replaced.

Here’s just a few of the questions we suggest you ask any roofing contractor inspecting your roofing system:

• What is the replacement cost value of my roof?
• Will my insurance adjuster be an in-home adjuster or a cat-adjuster?
• What is the full process of insurance claims and payments?
• What are my options if an adjuster didn’t or doesn’t provide enough money for quality roof repairs or a roof replacement?

Most insurance companies subscribe to weather tracking and storm reporting services to monitor areas that may be affected and submitting claims.

For this reason, the severity and location of a storm may already be known by your insurance company and damages can be expected.

If we’ve recently had a severe storm in our areas, call My Town Roofing today!

It’s best if our inspector can be present when the insurance adjuster visits your home for their inspection.

It is your legal right to have a representative with you during the insurance claim inspection. No adjuster can enter your premises without your permission. Insist on scheduling an appointment that we can be present for.

This is the best way to ensure you receive a full claim for all storm-related damages.

After your claim has been approved, the insurance company will pay for the damages. You should receive your first check usually within 5-7 business days. This first check is called your ACV (Actual Cash Value), which is the monetary value of what is to be paid today based off the age and condition of the items.

In some cases, if you are present during the inspection with the adjuster and the adjuster is an in-house adjuster, they will actually write you a check and hand you your paperwork on the spot.

This check will be the value of the job less the value of the depreciation. Depreciation is based off of the age and condition of the damaged items. They take this money and hold it to make sure the work is completed correctly.

In most cases the depreciation is recoverable. Recoverable depreciation is dependent upon the job being completed for the “Fair Market Price” the insurance company has estimated the job for or greater.

Many homeowners never get the depreciation back because they chose the lowest bid or worked with a roofing contractor who doesn’t know how the insurance process works.

Choosing the lowest roofing bid when insurance has estimated the value of the roofing repair or replacement would not get your roof fixed properly or completely.

At My Town Roofing, we can handle the full repair, handle any related permits, scheduling, and coordination with your insurance company.