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THE INSURANCE COMPANY'S ESTIMATE:
To settle your claim an adjuster will assess and estimate the full cost to repair the damage that has occurred.
Most discrepancies occur when an adjuster has not assessed the same amount of damage as the contractor.
Adjusters will use guidebooks, market surveys, and past claims as a basis for the estimate.
If the adjuster's estimate is less than the contractors, we will get the necessary funds approved for your repair.
After the repairs are completed your insurance company will pay the remaining funds and any depreciation money.
Our company handles numerous insurance claims every year and we will be glad to work with your adjuster.
We can repair any work that your adjuster has assessed for a price that is agreeable to both them and us.
MY ADJUSTER SAID "NO DAMAGE"
Your roof may have been the only one on the block that did not receive enough damage to justify replacing the roof.
However, it is very easy to miss. Your adjuster and insurance company want you to have a new roof if you need one.
We can meet with your adjuster, show him our assessment of damage and work out the price of the repair.
"WE DIDN'T GET ENOUGH MONEY TO COVER OUR REPAIRS!"
Usually your claim is fine and depreciation covers the rest; or additional costs could have been missed.
Replacement cost insurance covers additional items after final invoices are submitted for the damage repairs.
COMMONLY MISSED ROOFING ITEMS:
Square footage, additional layers tear off expense, pitch charges, detached garages and storage sheds.
Gutters, wood shingles rotten under composition roof, temporary repairs, etc.
SHOULD I INSPECT MY OWN ROOF?
When there is hail or high winds you should have your roof inspected by an experienced contractor.
Hail can damage your roof without any visual signs from the ground.
Usually, hail has to be the size of golf balls before it actually breaks through your shingles.
High winds or hail for longer than a minute will bruise and crack shingles reducing the life expectancy of your roof.
Heat, cold and rain will cause your roof to lose granules and prematurely wear out in those spots.
Five or more bruises in a 10 x 10 area ' of your roof and it will need to be completely replaced.
It is nearly impossible to determine if you have hail damage from the ground.
Ice Dams
WHAT IS AN ICE DAM?
An ice dam is a wall of ice that forms at the edge of the roof, usually at the gutters or soffit.
The water then backs up behind the ice dam and creates a pool of water.
This pool of water can leak into a home and cause damage to walls, ceilings, insulation, and other areas.
Ice dams are usually caused by improper ventilation in the attic.
This will cause warmer areas in your attic and snow melt, even when the outside temperature is well below freezing.
Ice dams are created when melting snow refreezes when it reaches a "colder" section of the roof.
These colder areas are usually above the soffits or in valleys and gutters.
Cleaning the gutters on your home can help prevent ice dams from occurring as quickly, but they can still occur.
The gutters will be just as cold as it is outside and in some cases, full of frozen debris.
If you don't have a soffit for the water to re-freeze, the melted water will most likely re-freeze when flowing into the gutters.
HOW CAN I PREVENT ICE DAMS?
Proper ventilation and insulation in the attic is the best way to prevent ice dams.
The recommendation for vents is 1 square foot of vent for every 150 feet of attic area.
Very few houses are vented properly.
Small louvered windows in the attic, known as gable vents, can be replaced with larger vents or electric fan vents.
These fans will pull outside air into the attic and keep the temperature inside cooler.
HOW CAN I REMOVE AN EXISTING ICE DAM?
Properly removing an ice dam can be quite dangerous if you don't know what your doing.
Media have suggested hiring a contractor to pull the gutters off your home so the whole ice dam process would be solved.
This suggestion was well intended but wrong.
Contractors that started removing gutters caused significant damage to roofing and guttering systems all over the state.
Then when the snow melted it dropped next to the homes foundation and caused basement flooding.
WARNING!
Inexperienced contractors may cause damage to your home.
Performing ice dam removal is risking personal injury and damage to the roof.
Always contact professionals with roofing experience clear ice dams from your roof.
Call the Ice dam experts today to deal with your ice dam problem and fix the source of the problem.
Madison Restoration
608-222-5255
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Madison Restoration 2006-2011 |