Imagine that a massive thunderstorm with pounding hail has just passed through your area. As you venture outside to survey the damage, a truck pulls in your driveway, and you’re offered an opportunity to have your roof inspected on the spot for an incredibly low price.
In the chaos and fear of that moment, you might agree to let your visitor heft out a ladder and climb on your house for a look. If you’re told that your roof is, indeed, damaged and leaking, you’d probably also agree to have it fixed right then and there. Unfortunately, such scenarios are all too common and can end up causing tremendous harm to a home’s safety and future resale value.
Relax, Breathe, and Call Roofing Annex
When your home is damaged in a storm, you want it repaired quickly. But you also want it done right. The Certified Hail Damage Inspectors™ at Roofing Annex are just a phone call away, day or night.
Whether your home has been damaged by hail, wind, heavy rain or a falling tree, the certified inspectors at Roofing Annex perform a thorough, professional inspection of your roof and put together the information you’ll need to file a claim with your insurance company.
Wherever you are in Cincinnati — Four Bridges, Reserve of Montgomery, Heritage at Miami Bluffs, Wetherington, Indian Hill or other neighborhoods — Roofing Annex is here to serve you. We provide an exceptional level of customer service as we work with you on inspecting and repairing your roof, and we’re with you every step of the way during your insurance claims process.
We take the responsibility of being your Insurance Claim Advocates very seriously and have your best interests in mind as we negotiate with insurance adjusters and help settle your claim as quickly as possible.
A Multi-Step Process
If your home sustains roof damage from a storm, your Roofing Annex inspector works with you to get your claim approved and the damage repaired so that your home is safe and your future investment is protected.
Your inspector will be with you for every step of the insurance claim process, including:
- A comprehensive inspection of your roof and associated systems.
- Evaluation and documentation of storm damage to your roof.
- Review of your insurance policy and contact with your insurance provider.
- Explanation of technical information in your insurance policy regarding storm damage versus normal wear and tear to your roof.
- Assistance with providing detailed photos and other information to the insurance company.
- Assistance with the appeal process in the event of claim denial.
- Assistance with ensuring that you receive your compensation from the insurance provider.
- Repair of the damaged roof.
What Makes Roofing Annex an Insurance Claim Advocate?
We know your policy, we know the local adjusters, and we have a good reputation with insurance providers. Our inspectors are not “roofers” – they are restorations specialists and storm damage technicians. They know how to present their damage findings and will personally meet the adjuster at your home to go over the claim. They will advocate your best interests—clearly negotiating with your insurance adjuster on your behalf to resolve and settle your claim in a timely manner.
Have you had a Claim Unfairly Denied?
Was your roof claim denied or did you receive a small or partial roof settlement from your insurance company? If you are not satisfied with your insurance settlement, Roofing Annex can help! The process we use to pursue insurance recovery dollars is efficient, thorough and guarantees you the best possible result in the least amount of time!
Storm Damage Issues
Cincinnati suburbs typically see a good dose of hail every year, mostly in the spring. If you’ve had a storm that produced hailstones in excess of 1 inch it’s a good idea to schedule a free roof exam. The same goes for wind storms with sustained speeds over 50 mph particularly if the rain was strong as well. Broken branches/limbs, fallen trees, or winds of exceeding 90 mph often destroy a roof and require immediate action. For all of these matters we have solutions and will work with your insurer to find a fair outcome.
Particular Concerns from Hail
You can’t always see hail damage, especially looking at your roof from the ground. But if your area has experienced a hailstorm, there’s a possibility that the ice pellets have pocked your roof enough to cause a harmful amount of granule loss. This in-turn can let water leak through given time. Leaking water can cause mold, issues with structural integrity and even a full collapse of your roof.
If a hailstorm has hit your area, and certainly if your neighbors have reported damage, call Roofing Annex for your no-obligation inspection. Tell-tale signs of hail damage can include denting on your gutters or air-conditioning unit. You also may notice damaged or missing roof shingles. Wet spots indoors on your ceilings also can indicate hail damage that’s causing a leak. In addition, dents or cracks in cars, windows and siding can mean that you have hail damage to your roof.
Wind Damage Concerns
Wind also causes granule loss but can also lift shingles which can really tear a roof apart. Older shingles and discontinued defective shingles are notoriously brittle and can crumble at the fasteners. Once free, they can damage neighboring shingles. Poorly installed shingles are also at risk for countless reasons – much of this has to do with the ridge caps which are the front line of defense. After a strong windstorm, 50+ mph of sustained winds, ridge caps with issues can be affected. Hit 70+ mph and you’ll see them dangling from roofs the next day. If it was raining too, chances are you’ll have some sort of systemic damage to your roofing system.
In an Emergency, Call Roofing Annex
When disaster strikes, you need a highly competent, experienced roofing company with certified inspectors who can walk you through the entire process of evaluation, repair and working with your insurance company to settle your claim. Roofing Annex provides 24-hour emergency repair service, and your call is always important to us. We arrive at your home as quickly as possible and work with you to correct any damage and get your claim filed and completed. Contact Roofing Annex for emergency assistance, day or night.
The Cost of Roof Repair
Repair or replacement of a roof can be a significant expense, and many families don’t have the cash flow to cover it right away. Roofing Annex and our financial partner, Admirals Bank, can work to approve you for financing within 24 hours.
The cost of repairing your roof can vary depending on the extent and type of damage, as well as expenses for any materials required in the repair. Costs also vary based on the quality and training of your roof repair company.
In the insurance claim process, it can be tempting simply to go with the lowest bid. But making such an important decision on price alone can cost you big in the long run if the work isn’t done properly. Engaging a high-quality vendor that you can trust can save you significant money and hassle in the future.
Hear from a Cincinnati homeowner, Kristin M., about her situation and how Roofing Annex successfully advocated her claim.
Your Insurance Claim
Your insurance company’s claim deadline can vary, but most insurers require that claims be filed within a limited time frame. Contact your insurance agent to find out the details about your individual claim deadline.
Submitting the information for your claim is one thing. Getting the insurance company to approve it and pay you is another. Remember, insurance companies are in business for the purpose of making money. Your certified Roofing Annex inspector represents you as the homeowner throughout the insurance claim process. Filing a claim can be complicated and difficult, but our Insurance Claim Advocates persist until your insurance company has all the required information to settle your claim.
Your inspector will provide you with all the necessary information, explain the process to you, and help you understand your rights regarding your insurance claim.
The Truth about Your Insurance Company
If your home has been damaged in a storm, you’re probably worrying about your insurance premiums going through the roof. The truth is, your insurance company cannot single you out for increased rates due to a claim for storm damage. However, your insurer is not prohibited from raising rates for everyone in an area. If your home sustains damage and you don’t file a claim, you still may end up paying more after the insurance company hikes rates to cover other repairs in your locale.
You may like and trust your insurance agent and feel that you have a relationship. But don’t forget that your agent is working for the insurance company, not for you. A roof repair company that’s referred by your insurer may provide an estimate that’s in their best interests. Getting a quote from a reputable, professional and independent roof repair company is a wise move.
Your Roofing Annex inspector will work with you to navigate the re-filing process in the event that your insurer does deny your claim.
When You Need a Roof Repair, Choose Your Contractor Wisely
If your roof has been damaged, and especially if it’s leaking, it may occur to you to try to fix the damage yourself. If you intend to file an insurance claim, it’s not in your best interests to do the work on your own without help from a professional. If your home is fairly new and is under a builder’s warranty, you may believe you’re protected. However, builder’s warranties usually do not cover damage from storms.
To maintain the resale value of your home — and for your family’s security — choose a knowledgeable professional to repair the damage to your roof and help navigate the insurance claim process. After a storm, people billing themselves as professionals will come out of the woodwork to fix your roof. You’ve probably heard that you need to be careful about such individuals going door-to-door, but in the confusion after a big storm, it’s easy to be taken in.
If you do agree to an inspection from a company that’s soliciting door-to-door, do some research. Spend some time checking into the company to ensure that it has a good reputation and has legitimate training, insurance and licensing to perform the needed work.
Training Makes All the Difference
Frequently, individuals soliciting door-to-door to repair your roof have not gone through proper accreditation training to perform inspections for storm damage. The companies involved typically don’t train their inspectors or provide ongoing education. To perform true roof forensics, your inspector should have certifications from well-known organizations like Haag.
Knowledgeable inspectors consider your entire roof on a systems basis to evaluate damage and determine whether minor or significant repairs will be required. Certified inspectors also undergo thorough training to locate hard-to-spot damage that could result in roof failure and compromise your home’s safety.
Specialized Knowledge is Paramount
It’s also unlikely that an individual who rings your doorbell after a storm has the experience and knowledge to successfully navigate the insurance claims process. Roofing Annex usually doesn’t advise that you seek out a lawyer to handle your insurance company, which can take many months or even years.
Our process, instead, is to connect you with one of our highly knowledgeable, certified inspectors. Your inspector has a background specializing in restoration. However, he or she will focus only on inspecting, consulting with you and working with your insurance company to settle your claim. Your inspector will understand your individual claim deadline and other information required for a successful resolution.
In the heat of the moment after a storm, you may be tempted to let just anyone fix the damage. But your roofing system is vital to protecting your family and preserving the structural integrity and resale value of your home. Trust only reputable, certified professionals with such an important job.
For help Anytime, Contact Roofing Annex
Even if you’ve already embarked on the process of repairing damage — maybe you’ve already had an inspection or even had work done — Roofing Annex can help. The best time to contact us is as soon as damage happens. We’ll be with you every step of the way in getting your home back in tip-top shape, working with your insurer and getting you compensated.