Hail Damage Roofing Companies Rochdale

Hail Damage Roofing FAQs

What should I ask a hail damage roofing contractor during the inspection?

When the roofing contractor arrives for the inspection, ask these key questions:

• Experience: 'How long have you been specializing in hail damage roof repair, and can you provide examples of similar projects you've completed?'
• Licensing and Insurance: 'Can I see your license and insurance certificates to verify your credentials and coverage?'
• Inspection Process: 'Can you explain your inspection process and what areas of my roof you'll be examining?'
• Damage Assessment: 'Will you provide a detailed report outlining the extent of damage and recommended repairs?'
• Insurance Claim Assistance: 'Can you assist me with the insurance claims process, and do you have experience working with insurance companies?'
• Repair Process: 'What is your typical process for repairing hail damage, and what materials will you use?'
• Timeline and Costs: 'What is the estimated timeframe for the repairs, and what will be the total cost?'
• Warranties: 'What warranties do you offer on your work, and what are their terms and conditions?'

Getting clear and comprehensive answers to these questions will help you evaluate the contractor's expertise, professionalism, and suitability for your project.

Should I replace my roof if it has minor hail damage?

If your roof has only minor hail damage, such as a few dents or missing granules, a full roof replacement might not be necessary. A professional roofing contractor can assess the damage and advise on whether repairs would be sufficient. However, if the damage affects the roof's functionality, such as causing leaks or compromising the structural integrity, a full replacement may be required. The age of your roof and your insurance coverage are also important considerations when deciding between repair or replacement.

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.

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.