Hail Damage Roofing Companies Dartford

Hail Damage Roofing FAQs

What is a 'cosmetic damage' assessment for hail damage?

'Cosmetic damage' in hail damage roof assessments refers to damage that affects the roof's appearance but does not compromise its ability to function as a waterproof barrier. This includes:

• Dents or dings in shingles or tiles that do not expose the underlayment.
• Granule loss from asphalt shingles that does not result in exposed asphalt.
• Minor scratches or discoloration of the roofing material.

Cosmetic damage is typically not covered by insurance policies unless it's accompanied by functional damage.

What is a 'functional damage' assessment for hail damage?

In hail damage roof assessments, 'functional damage' refers to damage affecting the roof's ability to perform its primary function of protecting the building from water intrusion. It goes beyond cosmetic damage and includes issues like:

• Cracked or broken shingles or tiles that expose the underlayment.
• Damaged or missing flashing that creates gaps for water penetration.
• Dents or punctures in the roof deck that compromise its structural integrity.

Insurance companies often use functional damage assessments to determine whether the damage warrants repair or replacement under the terms of the policy.

What are some tips for working with my insurance company on a hail damage roof claim?

To ensure a smoother insurance claim process:

• Report the Damage Promptly: Contact your insurance company as soon as possible after the hailstorm to report the damage and initiate the claims process.
• Document Everything: Take photos and videos of the damage, gather any relevant documentation (receipts for past repairs, roof inspection reports), and keep records of all communications with the insurance company.
• Understand Your Policy: Review your policy's coverage, deductibles, and exclusions related to hail damage.
• Get a Professional Inspection: Have a reputable roofing contractor specializing in hail damage assessment inspect your roof.
• Be Present During the Adjuster's Inspection: Accompany the insurance adjuster during their inspection and ask questions to clarify any concerns.
• Review the Settlement Offer Carefully: Ensure the settlement offer covers all necessary repairs and is consistent with the contractor's estimate.
• Negotiate (if needed): If you disagree with the settlement offer, be prepared to negotiate with the insurance company or consider seeking assistance from a public adjuster.

How do I know if a roofing contractor is trying to scam me after a hailstorm?

Unfortunately, some unscrupulous roofing contractors may attempt to take advantage of homeowners after a hailstorm. Be cautious of red flags:

• High-Pressure Sales Tactics: Be wary of contractors who use aggressive sales tactics, pressure you into signing a contract immediately, or make promises that seem too good to be true.
• Offers to Handle Your Insurance Claim: It's generally illegal for a roofing contractor to act as a public adjuster or directly negotiate your insurance claim.
• Inflated Damage Claims: Beware of contractors who exaggerate the extent of hail damage or claim that repairs are necessary when they are not.
• Large Upfront Payments: Reputable contractors typically require a reasonable deposit, not a large upfront payment.
• Lack of Proper Credentials: Verify the contractor's licensing, insurance, and references.

Protect yourself by doing your research, getting multiple quotes from reputable contractors, and being cautious of suspicious practices.