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What to do when you're in need of a roof replacement
Colorado and Wyoming host many flash floods, damaging hailstorms and high winds. As homeowners in these states, after a weather event such as a big hail storm or a windstorm, we often have to deal with the potential aftermath damages caused to our roof.
In reality, there are two main scenarios:
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What to do after a major hail/windstorm WITH visible damage to your home
If a severe hailstorm hits your home, causing windows and skylights to break, an insurance claim should be filed and the roof should be replaced. In such severe storms an emergency roof leak repair may be necessary too.
Sometimes putting tarp over broken skylights and performing emergency roof repairs can prevent further damages to your property.
What to do after a major hail/windstorm WITHOUT visible damage to your home
If a hailstorm hits your home with smaller size hail, as the homeowner you need to decide if you should file an insurance claim. This is a very important step towards the process that follows after that. What many homeowners don’t realize is that your insurance company will add a claim on your record regardless of the whether or not they pay a settlement.
So how would you know if you have enough roof damage for a roof replacement insurance claim?
This is where a trusted and reputable roofer becomes valuable event before they fix your roof.
Here at Excel Roofing, we perform roof inspections, before the insurance company is contacted. For your peace of mind, it is best to work with a roofer who specializes in residential roof replacement and hail damage claims.The roofer will inspect your roof and determine if there is enough hail damage to file an insurance claim.
This part of the process can be tricky.
Sometimes there is moderate hail damage and it is questionable if the insurance company will pay for a new roof or not. At this point a good roofer will have a conversation with you and discuss the pros and cons of filing an insurance claim.
Be mindful that in some instances, a less experienced roofer might tell you to file an insurance claim regardless of the amount of damage that they’ve found.
I discovered that I have enough roof damage to file a claim. Now what?
If you file a claim, an insurance adjuster will come out and assess your roof and determine the settlement for the roof replacement. Excel Roofing will often meet with insurance adjusters. This can help streamline the process because the cost to fix the roof damage is agreed upon and you as the homeowner will know how much the roof replacement will cost.
If you have been working with a roofer, the next step will be to decide on the replacement roof material. At Excel Roofing we offer a free upgrade to hail-resistant shingles. An added benefit is that having hail resistant roof material installed, can lower your homeowners insurance.
Contact us to get more information on the free upgrade to hail-resistant shingle with your roof insurance claim.
If you have not been working with a roofer, now would be the time to call a few roofers and get some roof replacement estimates.
Getting an estimate from Excel Roofing is easy.
Roofers should be able to give you options within the budget allowed by your roof replacement insurance settlement. When you contact Excel Roofing for a roof replacement estimate, we can either work off of your insurance paperwork or will write you a roof repair estimate, both at no charge.
After you decide which roofer to use to for the replacement of your home’s roof, you will be able to plan when to start the project. Your roofing company should be able to provide you with timeframes on how long your roof replacement will take, depending on the size of your roof.
Roof Insurance Experts
Your local roof insurance expert is here to help. Allow us to offer you a free, honest roof inspection. We’ll let you know if you should file a claim or not.