Hail can damage
your roof without any visible signs from the ground. Hail normally has to be the
size of a golf ball before it will break through your roof or cause bruising.
Sometimes these damages do not show up quickly or are easily overlooked. The
integrity of the shingle may be damaged, do not take a chance on it. If hail is
driven by high winds or if it lasts longer than a few minutes, even small-sized
hail can cause your roof to suffer severe damage and the loss of their
protective granules, which will GREATLY reduce the life of your roof. Loss of
granule layers on the shingle will cause the organic based center of the
shingles to be exposed to the suns UV rays. This will cause SERIOUS
deterioration of the shingle in a short period of time. Have it inspected, just
to be safe.
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here for a free inspection.
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What is recoverable depreciation?
What is non-recoverable depreciation?
Will my insurance adjuster be a
cat-adjuster or an in-home adjuster?
What difference will a
cat-adjuster make for me?
What is full scope of
insurance proceeds?
Why is it a felony to profit from an insurance loss?
Will the adjuster give me enough money for a
quality
restoration?
What can I do if my adjuster didn’t or doesn't give me
enough money for a
quality
job?
If
all these questions are
hard to understand or answer,
then let a professional help you.
We
can answer all of your questions and help you get everything you deserve.
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here for a free inspection.
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Hail
and high winds can cause serious damage to your roof
and exterior of your home. An evaluation by a “TRAINED
HAIL DAMAGE INSPECTOR” (not roofer) can verify the extent
of your damages and outline the means by which to get
them repaired.
Even experienced roofers cannot see these damages.
Most roofers do not know how to inspect for hail damage.
A trained inspector has taken the same extensive
training courses that your adjuster has taken (the adjuster
MUST take these courses to be certified).
WHAT ABOUT MY SIDING?
Most people can inspect their own siding by checking your
exterior walls closely, preferably when the sun is a little lower in the sky
(morning or evening). This will make it easier to see the denting. Old
aluminum siding will show the damage more than wood or vinyl unless the
vinyl actually has holes in it.
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here for a free inspection.
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MAKE A CLAIM NOW
Does my insurance company know if I
had large hail in my neighborhood?
Most insurance companies subscribe to different
tracking and hail reporting services. These services can track the hail size and
the exact
location it fell. If you had damaging hail, they already know it.
If you had hail in
your neighborhood, CALL US! We want to be present when the adjuster comes out to do his/her
inspection.
It is your legal
right to have someone represent you during the inspection.
Your adjuster cannot enter your property without your permission. Insist
on a FIRM appointment so that we can schedule the meeting also. If we are not, or was not present during the inspection, you probably
will not, or did not receive a full claim. Let US work for you in getting what
you deserve. You only have a limited time to make a
claim!
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here for a free inspection.
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THE INSPECTION
The adjuster will
look at your property during working hours, so you probably won't be home when
the adjustment is taking place, which means you have no input in the matter.
We ask that you allow us to represent you during the
inspection. The
adjuster will inspect your roof and exterior of your home for visible signs of
damage only. For the roof, he will measure out a "Test Square" (10' x 10') on
different sections of your roof. If he can find a sufficient amount of bruises
or breaks for each "Test Square", the insurance company will buy you a new roof.
MY ADJUSTER SAID "NO DAMAGE"
It is possible
that your roof was the only one on the block that wasn't damaged. However, you
are entitled to a re-inspection by another adjuster within the same firm. So if
you’re not completely satisfied with the results of your claim, don't settle.
Ask for another inspection. Let us work for you in getting what you deserve.
DISCREPANCIES
Most occur when
the adjuster has not assessed the same amount of damage as the contractor.
Whether it is for the roof, gutters, siding or other exterior or interior damage. So if you
have interior damage or other hard to see damages that can be easily overlooked,
chances are the adjuster will probably miss it. This is
another reason that you need us to represent you during the inspection.
You are entitled
to have your contractor of choice represent you during the adjustment process to
expedite the settlement of your claim. In order to save you time off from work
and the headache of the entire process, we ask that you allow us to represent
you during the inspection process. We will work with your adjuster to determine
the extent of the damage, clarify pricing and offer a repair price agreeable to
the insurance company. All you pay in most cases is your deductible.
Let us work
for you in getting what you deserve.
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here for a free inspection.
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HOW THE INSURANCE COMPANIES PAY ON CLAIMS
In most cases,
about a week after the adjuster has estimated your property, you will receive
your first check. This is most commonly called the ACV. (Actual Cost Value)
This check should
represent the actual cost to repair or replace the damaged property, MINUS
DEPRECIATION. This is commonly called the RCV (Replacement Cost Value).
The
age and condition of the property is taken into account
when calculating this depreciation. When work
is completed, the insurance company will issue a check
for the RECOVERABLE depreciation amount only if the
total expenses are equal to, or greater than the total
settlement.
There is a way to receive the total
settlement payment WITHOUT depreciation. Let us work for you in getting what you
deserve.
MANY PEOPLE NEVER GET THE DEPRECIATION AMOUNT
BACK BECAUSE THEY DO NOT UNDERSTAND THE PROCESS OR THE CONTRACTOR THEY CHOSE
DIDN'T UNDERSTAND THE PROPER PROCEDURES.
WHEN THIS HAPPENS, YOU HAVE TO PAY THE DIFFERENCE.
THIS WILL COST YOU THOUSANDS OF DOLLARS.
We can offer a
COMPLETE repair package (at the discretion of your insurance company) without
you having to do anything. We can handle all of the red tape and obtain permits
etc. All work will be performed in accordance with all state and local laws.
Let us help you and make things easier.
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here for a free inspection.
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CAN I KEEP THE LEFTOVER MONEY FROM MY ROOF SETTLEMENT?
ABSOLUTELY NOT! YOU ARE NOT ALLOWED TO PROFIT FROM A LOSS.
INSURANCE FRAUD IS A CLASS 3 FELONY PUNISHABLE BY UP TO 10 YEARS IN PRISON AND
FINES UP TO $5000.00!
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DO I NEED TO GET TWO OR MORE ESTIMATES?
NO! YOUR INSURANCE COMPANY HAS CREATED THEIR OWN PRICE LIST AND WILL ONLY PAY
ACTUAL COSTS FOR REPAIRS (according to their price list), REGARDLESS OF WHAT
PRICES YOU MAY GET.
THINK OF IT THIS WAY,
WHAT REWARD WILL THE INSURANCE COMPANY GIVE YOU FOR FINDING THE BEST PRICE FOR
THEM?
WILL THEY LOWER YOUR PREMIUM?
YOUR INSURANCE COMPANY WILL PAY A REPUTABLE CONTRACTOR A "FAIR MARKET PRICE".
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here for a free inspection.
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WILL MY INSURANCE COMPANY GIVE ME MORE MONEY IF I SPEND MORE THAN THEY HAVE
GIVEN ME?
MAYBE!
YOUR INSURANCE COMPANY WILL ONLY PAY SUPPLEMENTS ON ITEMS THAT YOU CAN PROVE
THEY OVERLOOKED.
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EXAMPLE;
THE INSURANCE COMPANY HAS ALLOWED YOU $5000.00 TO REPLACE YOUR ROOF. YOUR
DEDUCTIBLE IS $500.00 AND YOUR TOTAL WITHHELD RECOVERABLE DEPRECIATION IS $2000.00
SO YOU WILL
GET A CHECK FOR $2500.00.
IF YOU CHOOSE A CONTRACTOR TO REPLACE YOUR ROOF FOR
$3500.00, YOU WILL ONLY RECEIVE $500.00 OF THE RECOVERABLE DEPRECIATION BECAUSE,
"THE AMOUNT OF RECOVERABLE DEPRECIATION WILL BE BASED ON THE LESSER OF THE
ADJUSTERS ESTIMATE OR THE ACTUAL COSTS INCURRED ON DAMAGED AREAS ONLY"
or
"IF YOU HAVE REPLACEMENT COST
COVERAGE, YOU MAY BE ENTITLED TO THE WITHHELD RECOVERABLE DEPRECIATION AFTER
REPAIRS HAVE BEEN COMPLETED, PROVIDED THE COST OF THE REPAIRS EXCEED THE AMOUNT
OF YOUR DEDUCTIBLE AND YOUR INITIAL CLAIM PAYMENT".
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EXAMPLE;
COST OF ROOF IS $5000.00
YOU PAY DEDUCTIBLE (FIRST $500.00)
YOUR INSURANCE COMPANY PAYS $4500.00.
COST OF ROOF IS $6000.00
YOU PAY DEDUCTIBLE (FIRST $500.00)
YOUR INSURANCE COMPANY PAYS $5500.00.
COST OF ROOF IS $7000.00
YOU PAY DEDUCTIBLE (FIRST $500.00)
YOUR INSURANCE COMPANY PAYS $6500.00.
ALL YOU PAY IS THE DEDUCTIBLE AMOUNT
REGARDLESS OF THE PRICE SO WHY NOT GET THE BEST?
YOU ARE ONLY SAVING THE INSURANCE COMPANY MONEY AND COSTING YOURSELF QUALITY WHEN YOU GET SEVERAL ESTIMATES.
BY LETTING A PROFESSIONAL NEGOTIATE WITH THE INSURANCE COMPANY, WE CAN MAKE SURE
THAT YOU GET EVERYTHING NECESSARY FOR A QUALITY RESTORATION.
BESIDES, WHAT REWARD WILL THE INSURANCE COMPANY GIVE YOU FOR FINDING THE BEST PRICE FOR
THEM? WILL THEY LOWER YOUR PREMIUM?
YOUR INSURANCE COMPANY WILL PAY A REPUTABLE CONTRACTOR A "FAIR MARKET PRICE".
YOU SHOULD
CONCENTRATE ON CHOOSING A REPUTABLE CONTRACTOR WHO WILL USE
SUPERIOR QUALITY MATERIALS RATHER THAN CONCENTRATING ON PRICE.
ALL YOU ARE REQUIRED TO PAY IS YOUR DEDUCTIBLE IN MOST CASES SO IT IS IMPOSSIBLE
FOR YOU TO OVERPAY.
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here for a free inspection.
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WHICH CONTRACTOR SHOULD I HIRE?
ONLY CHOOSE A CONTRACTOR WHO IS WILLING TO HELP YOU WITH
THE CLAIMS PROCESS. THE COST FOR REPAIRS FOR YOUR HOME IS THEN DETERMINED BY THE
INSURANCE COMPANY AND THE CONTRACTOR.
THIS KEEPS YOU FROM OVER-PAYING!
We have successfully
completed hundreds of storm damage repairs and we have the experience needed to
work on your behalf. We are a STATEWIDE FULL-SERVICE CONTRACTOR and have been in
business for over 70 years.
We have extensive experience in working with insurance companies to replace
your Hail Damaged roof, siding, windows, awnings and more.
BEWARE OF CONTRACTORS THAT WILL NOT PULL A PERMIT!
BEWARE OF CONTRACTORS THAT ARE GIVING LOW PRICES!
BEWARE OF CONTRACTORS THAT CANNOT PRODUCE AN INSURANCE CERTIFICATE!
BEWARE OF CONTRACTORS THAT ASK YOU TO SIGN A DOCUMENT THAT HAS A PRICE MORE THAN
WHAT YOUR INSURANCE COMPANY HAS PAID YOU,
UNLESS,
YOUR INSURANCE COMPANY HAS AGREED TO PAY THE TOTAL PRICE,
OR
YOU AND YOUR CONTRACTOR HAVE AGREED ON A FAIR PRICE
AFTER
NEGOTIATIONS WITH THE INSURANCE COMPANY HAVE FAILED.
Your
insurance carrier has trained professionals representing them…
DO YOU?
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here for a free inspection.
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Contact
us by Email HailDamageRepair [ at ] yahoo . Com
FREE
INSPECTIONS!
