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.
This may seem obvious, but it’s hard to tell from an individual homeowner’s perspective: if a roofer’s just totaling every roof they see, that shows they don’t know what to look for. You may not know what a roofer’s success rate is, but it’s worth asking.
When a roofer determines that your roof is totaled, but your insurance agency disagrees, that burden falls on you as a homeowner.
This isn’t necessarily a dishonest or predatory thing. Some roofers may be trying to up their odds of replacing a total roof. Other roofers may legitimately not know whether or not a roof is totaled because they haven’t had enough training.
You want to make sure you’re using a trusted, knowledgeable roofer before making a call to your insurance carrier about a totaled roof. Brian spoke to an adjuster the other day who told him that one roofing company she works with often has a success rate of 50%. That means that half of the roofs this company says are totaled are determined by the insurance agencies as not totaled.
We don’t like to brag, but it’s worth mentioning that Brian’s rate of success is approximately 98%. He’s pursued the Haag Engineering Certificate and attends continuing education classes so that when he tells a client that their roof is totaled it really is totaled.
Why does this matter? In a word, insurance.
I recently spoke with Joan Curtis at Michelle Schaefer’s insurance agency about this issue. She told me that they always recommend clients have a roofer out before filing an insurance claim on their roof. If a client calls their insurance agency to send someone out, even just to look at the damage, that counts as filing a claim.
If there’s no roof damage, that is called a “zero pay claim,” which can still cost the client a surcharge of up to 20% at renewal time. Filing a high number of claims (even zero pay claims) may even make it more challenging for you to renew with your insurance agency at all.
If you do end up needing a new roof, you may be able to receive a large discount on your premiums when you supply your agent with a receipt paid in full. Depending on your insurance agency, re-roofing your house with an impact-resistant roof can yield an even bigger discount over the life of the roof.
The bottom line is to choose a roofer you trust. Talk to them before calling out an insurance adjuster, because you might save yourself the penalty of a zero pay claim. That way, even if you do need to file a claim, you’ll be more knowledgeable about what repairs or replacement you need.
Imagine this: You switch carriers for your home insurance in May. In June, several of your neighbors are hiring roofers to repair spring storm damage, so you decide to do the same. But once your roof’s been inspected by a roofer, you realize there’s significant damage that happened while you were covered by your previous insurance agency.
Your new insurance carrier won’t pay for that damage!
It’s not a disaster, though. If your roof gets damaged while you were covered by your previous insurance, most insurance companies will cover that damage. You were paying premium to them at the time the damage occurred, so you’d call that insurance agency’s adjuster out.
If you hire Land Roofing, we’ll help you take care of that claim. We recommend having a roofer out to inspect for roof damage before you call either insurance agency-that way, you won’t be opening up an unnecessary claim if your roof is in good shape.
Insurance rules are liable to change, of course. It’s important to know your policy, and you might want to keep a copy of your previous insurer’s policy around until you’re sure you won’t need for them to cover storm damage that occurred while you were using them.
For example, some companies like State Farm require homeowners to report their claim within one year of the insurable event. Otherwise, the claim may be denied.
If several of your neighbors are repairing or even replacing their roofs, that’s a good sign that a recent storm hit your neighborhood especially hard and you may want to call a roofer out to see what’s going on with your roof. It isn’t a guarantee that you’ll qualify for a new roof, though.
It’s a good idea to have your roof checked from time to time, to catch any damage quickly. And if you’ve changed insurance carriers recently, it doesn’t hurt to ask if your previous carrier will cover damage that happened while you were covered by them. You already paid the premium for it! And in many situations, they will take care of it.
If you would like a roofer to be present while the adjuster is at your home, or if you’d like to call a roofer out to see if you need any repairs in the first place, we’d be happy to have a conversation with you about that.
Ice and snow are beautiful to look at, but they sure can wreak havoc on our homes! Pretty as it is, ice and snow can be very heavy and damaging. And the result can be quite expensive and time consuming.
Thankfully, our homeowner’s insurance usually does a pretty good job of helping put us back together after any kind of storm causes damage to our homes. But is there a way to limit your need to file those pesky claims? What if taking just a little bit of time around your property could save you from those insurance headaches?
Here are four tips to keep you, your neighbors, and most importantly your home safe this winter.
1. Trim those trees
You want to be sure that your trees are trimmed back to stay off your roof. Also pay attention to things like limbs or branches that hang over the driveway and could potentially fall on your car, or into your neighbor’s yard.
Did you know that if your tree causes damage to your neighbor’s property, that you are then responsible for damages? Icy limbs are very heavy and have been known to cause damage and even total property when they fall. If you’re not really sure how to properly trim your tree to make it safe AND beautiful, contact a local arborist to help you.
2. Clean your gutters
Gutters get very heavy when filled with ice or snow. As they get heavy, they can certainly fall or tear off your house. This can cause damage to your roof - not to mention anything (or anyone!) that happens to be beneath them if they fall.
A cluttered gutter will also prevent proper drainage which can cause even more problems.
3. Secure your belongings
You know that trampoline the kids just love to play on? They can blow into the neighbor’s yard pretty easy! When they land, they tend to do a bit of damage. Now the kids are upset, and the neighbors expect you to pay to fix damages done to their property.
It is a fairly inexpensive fix to stake things like trampolines to prevent this damage from occurring.
4. Be a good neighbor
The sidewalks in front of (and around) your home can get icy and slippery. If someone falls, the injuries become your problem. So, be a good neighbor and keep those sidewalks clear of ice and snow. Whether you use a shovel, salt or both - your neighbors are sure to appreciate you!
No one likes having to file an insurance claim. These four tips may just help keep you claim free this winter. But, even if you do still end up filing a claim for winter damages, your agent will see that you have done your diligence in keeping your home as safe as possible - and that could also save you money!
We've all seen what mother nature can do to our homes. Sometimes, it can be devastating. It can be completely overwhelming to scroll through the numerous listings of roofing companies. It can be even more of a headache to work with your insurance company, and coordinate with an insurance adjuster.
Land Roofing understands that times like this can be extremely stressful, so if we're the right fit for you, we would love to help!
When your home withstands a severe storm or tornado, you may be prone to roof damage. You will need to speak with your insurance company to start the process of filing a claim. This is where the insurance adjuster comes in. The adjuster is responsible for surveying your roof to determine if there is any sufficient damage.
If the damage is significant, the insurance adjuster will coordinate with the insurance company, and determine the amount of money you will receive to replace or repair your roof. This is the part that requires Land Roofing's expertise! We will act as your advocate, and meet with your insurance adjuster. We will work with the adjuster to encourage the insurance company to send you the right amount of money.
We know how the process works, and we know how stressful this process can be. Give us a call, and see if Land Roofing Enterprises is the right fit to give you relief today!
Spring has sprung! As Oklahomans, we all know that spring means storms. Sometimes, these storms can cause a lot of damage to our roofs. Thankfully, we know just what to do when these severe storms move in, and head straight for your roof!
Most of us have heard years ago that you need three estimates for your roof before making a decision. Before we had insurance adjusters, we had to get three estimates from three different businesses in order to prove to our insurance company that the roof really did sustain damage. Three estimates was a good rule of thumb to make an educated judgement about the condition of the roof and how much of an investment it would take to fix it.
Since the insurance companies didn't have their own representative checking things out, the estimates served as a guide.
Even though we have insurance adjusters today, many people still want to get three estimates in order to make certain that they are getting the best bang for their buck.
While that's a great practice in many other areas, you don't have to get three estimates for your roof any longer, because of insurance adjusters. You pay the same deductible regardless, and the team at Land Roofing will work out the details directly with your insurance company.
The good news is that you can now work with the roofing company you feel the most comfortable with, rather than worrying about comparing prices.
Please do not hesitate to give us a call. We'll get your roof in tip top shape in no time!
Since I was a little girl I remember hearing my Mother repeat this advice and wonder what it meant. Now that I am a wee bit older and hopefully a lot smarter I finally understand what this phrase means. Being a home owner and business owner I deal with lots of financial decisions that require me to weigh all the options before agreeing to the purchase. Unfortunately, I have made many mistakes because I was anxious to save a buck or two. Some of the decisions were good but most were not when the price was the biggest consideration. With life experience to reflect back on, I now make these decisions with price in mind but value, quality and integrity at the top of my list.
Every now and then Brian gets approached by a homeowner looking for the cheapest bid for their roofing project. Brian will politely explain that we are never the cheapest and that usually ends the conversation. It's not that we are out to over charge our customers it's just that our first priority is to help our customer choose the best roofing system for their home. Through Brian's many years as a roofer then, roofing contractor he knows the best quality materials and preferred methods of installation.
A large portion of our customers have insurance that covers their roof claim. We use the same computer program to write your estimate as the insurance company uses to generate your claim. Getting the cheapest bid for your roof only saves your insurance company money, not you.
It is truly in your best interest to choose a roofing company that you trust because they have a good reputation and has been personally referred to you. Your roof protects your most valuable asset, why risk it with a roof system that isn't the best quality just to save a buck or two?
This is a common question and a concern for some. No need for concern, having an adjuster meet with you roofer is similar to having an advocate. An advocate offers support and works on your behalf to make sure you receive the appropriate results. This is what a qualified roofer can do for the home owner in the event of storm damage to their roof.
After the roofer has found damage that warrants the need to file a claim, having a roofer you trust to meet with your insurance adjuster is a great idea. The roofer will work with your insurance company to show their adjuster every area of damage affected by the storm including items that might be overlooked such as gutters, ridge caps, air conditioning coils and window screens. After all, roofing is a roofer's expertise but an adjuster may not have much experience with a roof so it is helpful for the two to discuss the damage to ensure nothing is left unaccounted for. In addition, your roofer can give the adjuster measurements for the roof and any additional buildings on your property. This makes the adjusters visit to your home more efficient and may mean a quicker response to your claim.
Think you have storm damage? Give us a call @ 359-3951, we offer free roof inspections and over 25 years of experience working with insurance adjusters for our customers!
If you suspect that you have damage to your roof or you are unsure call a roofer first before you call your insurance company. When you call your insurance company it automatically becomes a claim on your policy. When the adjuster comes out to inspect your roof any amount of damage, small or large, will be accounted for in the claim. All of this may count against you when it is time to renew your insurance and as a result you might receive an increase in your premium. This could happen even if you don't have damage!
The best thing to do is call a roofing company you trust and have them come out and do a roof inspection. This inspection is free and the roofer inspecting your home will give you an honest assessment of the condition of your roof. Many times our inspections have revealed damage to the gutters or ridge caps but no damage to the actual shingles. In this case it may not make sense for you to file a claim. There may be no damage at all and a claim isn't needed. Your time and money are important so consider calling the roofer first before your insurance company.
We are always happy to give free roof inspections so give our office a call today! (405) 359-3951.
A recent customer had their roof totaled during one or more of the hail storms in 2009. They didn't file a claim before changing their insurance carrier and were denied because they were not a customer when the damage occurred. This sounds like a serious problem, actually, it was not. They simply filed the claim with their previous insurance carrier and the claim was honored. Consequently, they were able to replace their roof at little to no out of pocket expense.
If you need assistance working with your insurance provider, please call our office. We are always happy to help.