Here are some commonly asked questions about hail damage.
What does hail do to my roof?
Asphalt shingles are designed with protective mineral granules that block the UVs of the sun and protect the underlayment. Hail damage can cause severe granule loss, material removal at the edges of the shingles and penetration of the shingles; all of which prematurely age the life of the roofing structure.
Can I tell if I have hail storm damage to my roof, from the ground?
Usually you can’t spot hail storm damage to your roof from the ground. You will be able to easily spot damage to your siding or gutters; and it’s safe to assume that if there’s visible damage to your car, windows, siding or gutters, your roof most likely has hail storm damage too. Since hail damage is not always immediately evident, it’s a good idea to contact a local, professional roofing contractor in Colorado, who specializes in roof hail damage to evaluate the extent of damage after a storm.
What about hail damage other than my roof?
Usually when hail damage occurs, it affects more than just your roof. There’s often painting, gutter, and window damage too. As general contractors, we are able to work with you to take care of your entire claim, which saves you the time and hassle of hiring and managing a bunch of different contractors.
If I think I have hail damage what should I do?
You should immediately call Colorado Superior Roofing, or another reputable roofing company who specializes in hail storm damage, to come inspect your roof. You should also call your insurance company and ask for an adjuster to perform that same inspection. Colorado Superior Roofing will help you document the hail storm damage and we’ll work directly with your insurance company to see that the hail damaged areas are repaired or that your roof is replaced, if needed.
Will I need to get my roof replaced right away?
Not necessarily. A new roof may not be required, depending on the hail storm damage. You might only need a roof repair to replace some of the damaged shingles. Even if you don’t need a complete roof replacement, this is a roofing repair job that should be left to the professionals. Replacing a single shingle should be done with the utmost care so the surrounding shingles are not compromised.
If you do need a roof replacement, however, many insurance companies require you to make the claim within a limited amount of time. So if you’ve experienced a loss due to hail damage, it’s best to seek the help of a local, reputable Colorado roofing company, to take care of the problem in a timely manner both for insurance reasons and to be sure it does not lead to other associated problems.
Why would my insurance company replace my entire roof?
The purpose of homeowners insurance is to protect the homeowners against losses due to damage that is beyond their control. In most cases, hail damage will result in a full roof replacement because the insurance providers know that a new roof is more cost effective than replacing all of the valuable contents inside the home after the hail damage caused the roof to eventually fail.
Will my home insurance rate go up if I file a hail damage claim?
Typically, insurance companies cannot single out a homeowner for a rate increase based on an “Act of God” storm damage claim. However, your insurance company can raise rates for everyone in your area. So, if you don’t file a claim, your increase in premium will pay for everyone else’s repairs, except for yours.
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 a professional represent you during the inspection. Do not rely on only your adjuster’s inspection. The adjuster works for and is paid by the insurance company. You need a professional working for you to make sure that ALL damage is adequately addressed and paid under the claim.
Should I get two or More Estimates from Contractors?
If it’s an insurance claim then the answer is generally, No. Getting estimates for repairs is actually not in your best interest and you are not required to do so. Your insurance company has created their own price list and will only pay for the cost of repairs at the lesser of their fixed price list OR the price you are charged by your contractor. So if their list says they will pay $15,000 for your repairs and your contractor provides them with a final bill for 13,000, then they are only going to pay $13,000 (minus your deductible). The majority of storm damage restoration companies will do your repairs for the amount the insurance company is paying. Your only out of pocket expense will be your deductible. Getting lowball estimates for your insurance company only saves them money and may provide you with an inferior product. You are legally entitled to use whatever contractor you choose and are not required to gather estimates.
Remember that all you are going to pay out of pocket is your deductible. That means for $1,000 (or whatever your deductible amount is) you can get a top-quality first rate product from a highly reputable contractor or you can go with the lowest bidder and take your chances.
So by all means, feel free to interview several companies so you can find someone that you are confident will do a great job, use quality materials, and will be around for the warranty period. But when you get multiple estimates or use price as the determining factor, all you are doing is saving your insurance company money and possibly cheating yourself out of the quality job you deserve.
If I Find Someone to do the Work for less, can I Keep the Rest of the Insurance Money?
In Colorado, it is insurance fraud (both on your part and on the part of your contractor) for a contractor to pay, waive, or rebate any portion of the insurance deductible or for you to keep any amounts that the contractor has billed the insurance company for.
In addition to the prospect of getting into legal trouble (and insurance companies are cracking down on this type of activity) you have to understand that a company that is willing to commit insurance fraud, and induce you to do the same, is very likely to make up the amount they credited you by taking other shortcuts like using inferior products on your roof. Many of these companies are also from out of state and aren’t going to be around to perform any type of warranty work on that inferior job either. We’ve seen this many times and have even been featured on Fox 31 News to warn consumers about this issue.
Colorado Superior Roofing experts have decades of combined experience in the residential and commercial roofing industry. We are an A+ rated business with the Better Business Bureau and a proud member of Team Dave Logan. We have offices in Lakewood, Parker, Littleton, and Longmont, so wherever you are, we’re not too far. So give us a call. We offer free inspections and free estimates.