by: Kirsten Land on March 21st, 2017 about Insurance
Have you ever wondered what an insurance agent might have to say about your roof repair? Here in this blog, you often get our perspective as a roofing company.
But did you know that we regularly get calls from agents asking us to come inspect a client’s roof? Here are a couple of insights on your agent’s perspective when it comes to getting your roof repaired or replaced based on our conversations with insurance agents.
Adjuster knows best
After an adjuster determines that your roof should be replaced, they will tell you how much the insurance company will pay to replace it. But shouldn’t you get three or four estimates to get the lowest price? Isn’t that the best thing to do? The ethical thing to do?
Not really, no.
In fact, the insurance company has based the cost on what it will take in materials and labor to replace your roof properly. You could shop around, but it won’t save you any money. It may save your insurance company some money, but you could end up losing in the long run. Suppose you choose a cut-rate roofer who skimps on quality and takes shortcuts? That could lead to roof damage and failure due to poor workmanship.
An agent wants what you want
Your best interests are also your agent’s best interests. They want to keep you as a client. That’s why they want to make sure you’re happy with your roofers and their work. They care about you and your property. Just like you, they want the roof repairs done with the highest quality. The whole process reflects on them and their relationship with you.
In the end, your agent wants you happy and your home in tip-top shape.
by: Kirsten Land on March 7th, 2017 about Roofing Advice
Storm season is here again. If your roof gets damaged by hail, or if you’re worried that it may have already been damaged, what should you do? It’s always helpful to review the steps you should take after a severe storm. Hopefully, you won’t need this information-but if you do, you’ll be prepared.
1. Call your roofer
Do this even before calling your insurance company. It’s possible that there is no damage, and most homeowners we’ve spoken to are happy to avoid starting a claim unnecessarily.
Have a trusted, experienced roofer inspect your roof. Even if you’ve gone up to check things out and they look okay to you, there are things that a roofer might find that you wouldn’t know to look for. If your roofer says that your roof is okay, you can both toast your roof for being defiant before Mother Nature! On the other hand, if your roofer says that there’s sufficient damage to make a claim, proceed to step two.
2. Call your insurance company
Call and make a claim. Be ready to provide the date of the storm. Your company will send an adjuster to inspect your roof. They will make the final determination whether the roof needs to be repaired or replaced. We can’t speak for other roofing companies, but we’re happy to offer insight about your roof or attend the inspection at this point.
3. Decide when to replace the roof
If the roof is so damaged that it needs to be replaced right away, then of course, replace it as quickly as your roofing company can get to it. Otherwise, you have a choice to make. Many people opt to wait until the spring storm season is finished and have the roof replaced in summer. Others wait longer until the fall storm season is finished and have the roof repaired before winter sets in. If you want to wait, it’s still best to call your insurance company and schedule it ahead of time.
We hope that the storms pass by you this year. But what happened in Plano, Texas, last year could easily happen here, too. One brutal hail storm was followed by two more that caused billions in damages. It’s always good to know what to do and who to call when the hail drops.