It is almost impossible to see this type of roof damage from the ground. The sooner the roof is inspected by a trained professional, the better. Damaged shingles can lead to roof leaks and these leaks can cause major damage to your home and your belongings.
Hail damage shingles by impacting the single at around 90mph resulting in asphalt shingle blistering. In other words, hail can remove mineral granules from an asphalt shingle. There may be dents, bumps or protrusions in the shingle's surface. There may also be craters or black pits showing that protective minerals have been compromised. High winds can cause shingles to become loose and to fold in the wind. This causes shingles to form a crease and eventually shear off.
Q. If I suspect my home's roof has suffered hail or wind damage, what should I do?
A. Simply call Carolina Shingle to receive and inspection at no cost to you. If evidence of hail or wind damage is found, we will make arrangements to meet with an adjuster from your insurance company to review the damages.
Q. What happens after Tennessee Shingle meets with my insurance adjuster?
A. If your roof sustained enough damage, the insurance company will pay to replace the roof and Carolina Shingle will schedule a meeting with you to pick out the shingle color and schedule the installation of your new roof. If there is not enough damage for a total replacement, repair monies are typically paid to the homeowner for specifically damaged areas of the roof and/or any other interior/exterior damaged property.
Why should I use Carolina Shingle?
Q. Do I have to use Carolina Shingle to get a new roof?
A. No. However you will find that our ability to eliminate the hassle and stream line the insurance process is a large benefit that we provide at no cost to you. We take care of all the necessary paperwork from inspection to installation and are able to work directly with the insurance company to secure the proper funds for your new roof. We also take the time to meet ON THE ROOF with the adjuster to make sure all damage is accounted for so that you aren't left wondering whether a fair assessment was really made. Most homeowners who attempt the process on their own call their local agent and are then usually required to call numerous roofer to get estimates, wait to receive the estimates, and then submit them back to their insurance company for review. After all the hassle and time, your insurance company will select the cheapest estimate which only ensures that you now have the cheapest roofer in the area installing your roof. When you work with Carolina Shingle, your insurance company will decide on a Replacement Cost Value per industry standards and we simply install your new roof for that amount. This eliminates the hassle and need for competitive bidding/haggling and ensures you get the best possible roof, not the cheapest. It's that simple.
Q. What are some advantages of using Carolina Shingle?
A There are many reasons to use Carolina Shingle and here are a few:
- We are a LOCAL, family owned and operated company and are licensed, bonded and insured.
- We are certified installers which means your installation will not only look great, but will also comply with the manufacturer's specifications to ensure you receive the material warranty the product carries. If the roof isn't installed per the manufacturer's specifications, the manufacturer will NOT honor the material warranty.
- Not only are we experts in the roofing industry, we are also insurance specialists which guarantees you the BEST CHANCE of getting a roof replaced while at the same time eliminating the hassle of attempting it yourself.
- We are able to send supplement request(s) to the insurance company in the event the adjuster missed an item needing to be repaired. This ensures that Carolina Shingle will be able to complete the job and that the homeowner will not be help responsible to pay for these items (if any).
- We are proud to give each of our customers a 5 year No-LEAK warranty.
- There is nothing to lose using Carolina Shingle. Why would a homeowner want to do it themselves when it doesn't cost a penny more to have us handle the process from inspection to installation?
Q. What are some disadvantages of attempting to do it myself?
A. Here are some of the disadvantages:
- Time consuming
- Need for competitive bidding
- Even if you have a preferred roofer you want to use, you may not be alble to choose your roofer if the insurance company doesn't pay an amount high enough to cover your preferred roofer. Insurance companies select the cheapest estimate if you attempt the process on your own.
- Homeowners are not typically familiar with the process which makes it difficult to know where to start.
- Most homeowners are not trained in recognizing exactly what storm damage looks like on a roof or other personal property.
- The chance of the roof getting replaced by insurance decreases dramatically.
Insurance Questions
Q. Do I need to replace my roof soon after hail or wind damage has been determined?
A. It is always best to act swiftly when something like this happens. Further damage is likely to occur. In addition to this, insurance companies have a "specific time limit" for filing claims. Taking care of such situations quickly is always best. Call us today or fill out our online form to get your free inspection.
Q. How do I know if my insurance company will replace my roof?
A. Homeowner's insurance is designated to cover events like these. Your home is a major investment. If your home has suffered hail or wind damage, which caused a financial loss, your insurance company will compensate you for your loss and pay to have the roof replaced.
Q. Why did my insurance adjuster initially fail to detect damage to my roof? I requested a second inspection by the roofing company, and they found hail/wind damage this time. Does this happen frequently?
A. At times, it is possible to miss hail or wind damage on roofs, especially if the hits have not weathered yet. A second inspection will determine without a doubt if damage exists or not.
Q. What happens if gutters, siding, window surrounds, etc... are also damaged during the storm? Will my insurance cover this also?
A. Insurance companies are prepared to cover these expenses. We will look for these items at the time of your inspection and note it with the insurance company. We will also inform the adjuster of any damaged items.
Q. What is depreciation (deduction) made by insurance companies as part of the adjustment?
A. Insurance companies decide up front on a Replacement Cost Value (RCV) for your roof. They will typically give you a portion of the RCV at the time of the adjustment known as Actual Cash Value (ACV) for the roof in its present condition. They hold the other portion of the RCV until they receive a signed contract from both you and the roofing contractor as proof the new roof has been installed. You will then receive the remaining funds in the mail so that you can pay your roofing contractor.
Q. Would all insurance companies pay out the exact same Replacement Cost amount for my roof or does it vary from insurance company to insurance company?
A. It varies from insurance company to insurance company. This is where working with Carolina Shingle helps. We complete each job to the same high quality standards that has earned us our A+ BBB rating as well as zero complaints so you know we have accepted the job, these high quality standards WILL be met. Certain insurance companies attempt to grossly underpay in order to save them money. In this case, a roof cannot be replaced to these levels of quality. We are able to send supplement requests to them and in most cases receive the proper amount needed in order to complete the job to the same level of quality. In the rare event they will not increase the payout needed to ensure a proper job, you have the option to do whatever you would like to do with the money.
Remember, an inspection from Carolina Shingle only takes a few minutes to see if your roof is truly protecting your largest investment. Call today or quickly fill out the form at CarolinaShingle.com for a FREE INSPECTION!
