Hail and wind storms have wreaked havoc on homeownerâ€™s property this year all over theÂ WilderÂ area. CallÂ our Wilder offices at our toll free number 844-819-6051 to schedule a roof inspection. Here’s what you need to know about the claims process and hiring a reputable roofer-844-819-6051. Roof damage is the costliest and most common type of damage when Mother Nature hits like this in Tennessee. Â This article will walk you through the initial steps of what to do right after the storm – contacting your insurance, getting and estimate/payment and choosing a qualityÂ roofing contractor inÂ Wilder.
What to do after a Hail Storm or Wind Storm InÂ Wilder
1.Â Â Â Â Note the date and time of storm. Your insurance company will need this initial information.
2.Â Â Â Â Take photos of the hail stones. Have a common object in the photo for scale. For example, place a golf ball or tennis ball (hopefully, the hail wasnâ€™t that bigâ€¦ but it is Tennessee weather weâ€™re talking about here, sooo) next to the hail stones to show true size in the photos.
3.Â Â Â Â Visually check your roof for obvious signs of damage: missing or torn shingles. Â Do not climb on the roof. Save that for the professionals.
4.Â Â Â Â Check outdoor air conditioning units for dents, gutters and any bends in the cooling fins.
Hail or Wind Damage Roof Inspection- Performed by a Professional
The following advice assumes you do not need emergency repairs on your roof. If you know you need a roof inspection, contact a local Wilder roofing contractor at our toll free number, 844-819-6051.
1.Â Â Â Â Before contacting your insurance agent, have a reputable WilderÂ Roofing ContractorÂ inspect your roof for potential hail damage as quickly as possible.
2.Â Â Â Â The roof inspection is free. This initial inspection by the roofer does NOT bind you into a contract with the roofing company that is inspecting your roof.
**Be aware some Roof Inspection Reports are disguised as Contingency Contracts. Do not sign anything after an inspection has been preformed that you are not familiar with and have not read thoroughly:
You could be subject to a cancellation fee due to not choosing that roofer to repair the damages- as noted in their â€œcontractâ€ that you didnâ€™t know was a â€œcontractâ€ prior to signing.
This also disables you from obtaining competitive bids from other roofers.
And finally, sometimes this Contingency Contract requires the insurance company to pay the roofer directly. This opens the possibility for the roofer receiving the check to collect and then leave town; especially if you havenâ€™t chosen a local, reputable roofer. More info below to avoid all this.
Roof Inspection Advice
1.Â Â Â Â Make an appointment for a roof inspection. If you’re looking for a reputable Wilder roofing company to perform an inspection, hassle free, call 844-819-6051 today.
2.Â Â Â Â Make sure to be at home to meet the roof inspector.
3.Â Â Â Â The inspector will most likely do this, but make sure they show you photos of any damage they see while on the roof and surrounding areas.
4.Â Â Â Â Be clear that no work is to be done at this time. Only an inspection.
5.Â Â Â Â Donâ€™t be pressured to sign anything.
How to File a Roof Damage Insurance Claim?
1.Â Â Â Â With the roof estimate/inspection in hand, call your insurance company. Sometimes the roofer will offer to call the insurance company at the time of their inspection to get the ball rolling.
2.Â Â Â Â Provide necessary information they ask for such when time/date of loss occurs and any other information they ask.
3.Â Â Â Â You will be given a claim number and assigned to an adjuster.
Claim Adjuster Roof Inspection
1.Â Â Â Â The claim adjuster will call you to make an appointment to come out and inspect your roof and surrounding areas/property for damage.
2.Â Â Â Â At this time, call the roofing company, who came out for an inspection, and schedule them to come out at the same time as the claims adjuster to walk them through their findings as well.
3.Â Â Â Â After the claims adjuster comes out and inspections have been completed, they will report their findings and prepair an estimate. This will then be forwarded to the claims examiner and they will make their decision on your claim whether it will be a full replacement or partial depending on the damage found.
4.Â Â Â Â If your claim has been approved for insurance to cover, and if the repair cost is over a certain dollar amount (varies by state) a check will be written out to you, the homeowner, AND many times, the mortgage company as well. That is if you still have a mortgage on the home. The house technically still belongs to the bank, hence, why the check is paid out jointly.
5.Â Â Â Â When you receive the check, if it is written to you and the bank your mortgage is housed, the check should be deposited immediately and is usually put into a joint account between you and the bank. For the bank to release the funds completely to you for the roof repair, they will need a copy of the estimate/invoice from the roofing company you have chosen, then they will release the fund.
6.Â Â Â Â Typically, a deposit it paid to the roofer upfront and the remaining balance is due upon completion. This varies in amount ant itâ€™s important to do your due diligence in choosing aÂ trustworthy roofing contractor in WilderÂ before money is exchanged hands.
Now that you have had an inspection on the roof both by the roofing company in Wilder and your claims adjuster, the claim has been filed and approved, funds have been allocated, now itâ€™s time to choose an honest and professional roofer.
Finding the right WilderÂ roofing companiesÂ can seem daunting in a sea of contractors knocking on your door after a damaging hail or wind storm. You want a roofing contractor who is honest, reliable, professional with an excellent product when youâ€™re all said and done. So where do you begin? Below are some tips and guidelines for choosing a roofer in Wilder that match the above criteria.
When you look for a local roofing contractor in Wilder, you are essentially choosing a company that will most likely have a vested interest in your community that comes with a reputation to follow. Word of mouth is key for local referrals so start asking neighbors or colleagues who they recommend and what their experience was like. If your roof has sustained damage,Â call 844-819-6051 to speak with your local Wilder roofing company to discuss the damage and schedule an inspection.Â
The Better Business Bureau is a great resource for seeing if a particular roofing company has a high score and favored among previous customers.
This advice has been researched and provided first-hand from my own experience here in dealing with a Wilder roofing contractor. Â If you’d like more information from a reputable Wilder roofing company, call 844-819-6051.