Filing a Claim

Filing A Claim and Tips

If you are concerned about roof damage to your home in Northern Colorado because of a recent weather condition, perhaps hail or high winds, please feel free to call our offices, located in Greeley, serving Fort Collins & Loveland, and we will come evaluate any possible damage.

  • We will let you know at that time if, in our opinion, you need to file a roof insurance claim with your insurance company for repairs or replacement. To file a claim just call your insurance agent or provider and they will have an adjuster contact you.
  • If you are filing a claim on your roof for hail damage or something else you do not need to get bids before your adjuster comes to evaluate it, as they have specific criteria they use to complete your claim.
  • If our opinion is that you have uninsurable damage or minimal damage (less than the normal deductible) we will let you know how much it will cost for our roof repair service in Greeley, Fort Collins, Loveland, or elsewhere in Northern Colorado.
  • Please remember we are only giving you our opinion. We cannot guarantee that the insurance adjuster will see exactly what we do for roof hail damage. However, if we have looked at your roof and advised you to file a claim and the claim is denied we will be willing to meet with your insurance company for a re-inspect to show them why we gave you that advise.

 

TIPS:

      • The roof damage evaluation process for your Northern Colorado home is very important. You do not want to file a claim for unless it is necessary. Most insurance companies look at how many claims you have filed and they include claims filed that you do not get paid on. Please talk with your agent if you have questions.
      • If you file a claim for roof damage with your insurance it is best to get an estimate from us after your adjuster has been out to inspect.
      • It’s important to use a reputable roofing company. Never hire a company that knocks on your door. Check references, get referrals from your neighbors and friends, and especially check with the BBB. Don’t use a company that won’t be around if you may need them down the road. A 5-year warranty workmanship warranty means nothing if they aren’t around to service you.
      • Your insurance company will give you the paperwork and pay you directly for your roof damage claim. The check may have your mortgage company on it. The process can be confusing but we are more than happy to help you with any questions you have.

Roof Hail Damage? How to determine if you have damage

Hail damage accounts for a lot of the damage to roofs for hail storms in Colorado.
Nationwide, hail causes more than $1.6 billion in damage per year – just in roof damage – according to the Federal Alliance of Safe Homes.

Before we begin looking at how to determine and establish hail damage to the point of contacting a Greeley roof hail damage repair company for northern Colorado like Slaughter Roofing, consider the following:

Myth: I looked at my roof and didn’t see any problems, or my roofer inspected it and there are no problems.
Fact: Roofing systems must be physically inspected by someone who has training and experience to determine if there is actual roof hail damage to your Greeley or northern Colorado home.

Myth: I’m not missing any roof shingles so I must not have damage.
Fact: Missing shingles are related to wind damage claims and can happen during a hail storm if the winds are high enough. However, roof hail damage to shingles or tiles in Greeley, northern Colorado, or elsewhere is insidious in nature and may not physically cause leakage until years after a hail storm.

Myth: All homes in my neighborhood will be affected the same by hail
Fact: Although each roof must be evaluated individually, the number, size, and hardness of the hailstones can vary tremendously within a small locality. Velocity and direction of the wind are also factors. Other factors include roof pitch, age, and condition.

Myth: I only have 1 year to file my insurance claim.
Fact: Many insurance companies do have a one year time limit and some even less, however due to the nature of hail damage they may pay claims past the deadline. This usually happens if a hail storm is widespread geographically.

Myth: My roof is new so it’s covered by the manufacturer’s warranty, home builder, or contractor.
Fact: Manufacturer’s specifically name hail as an exclusion to their product warranty, so do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes a new roof to cure from exposure to the elements.

Myth: My insurance company will cancel my policy if I file a claim.
Fact: Most states prohibit insurance companies from cancelling policies for filing claims arising from severe weather related events. Check with your state however and your policy language as well.

Myth: If I don’t file my claim, my insurance company won’t raise my rates.
Fact: After a disaster, insurance companies may raise every one’s rates. By not filing your roof hail damage claim in Greeley or northern Colorado, your personal rate increase is paying for everyone else’s damage except yours.

Now, exactly HOW do you determine whether or not you have sufficient hail damage to get roof repair?

Here at Slaughter Roofing we want to ensure that you ONLY get roof hail damage repair for your Greeley home when you need it. Integrity and honesty are important to our northern Colorado roofing company and we do our absolute best to provide you with all of the information (even if we do not reroof your home) so you can make a wise decision going forward.

Identifying ‘functional’ roof hail damage to shingles or tiles (what an insurance company will cover) is problematic. Insurance companies will first determine if damage is recent, in the past, or a combination of multiple incidents over the life of the current roof.

  1.  Roof hail damage will typically dent the soft metals on your roof (i.e. vents, exhaust caps) before it damages your shingles.  So check the vinyl trim around your windows and the flashing on the roof.  Also, check the cooling fins of the exterior A/C condensing unit.
  2. Roof Hail damage to your Greeley or northern Colorado home is rated in terms of degrees of damage: bruising, granule loss, edge removal, wood splitting, and fracturing of the asphalt underlayment. Granular loss alone usually does not qualify for replacement of the roof.
  3. Roof Hail Damage to shingles is partially determined by the strength of the substrate below the shingle. A more structurally sound decking will not flex as much during impact, thus lessening the damage to the shingle.
  4. The slope or pitch of your roof and the direction of the storm may result in hail damage to one side of your roof and not the other. Perpendicular impacts will cause the most damage.

Before you begin your process with the insurance company, please contact Slaughter Roofing first to determine the extent of your northern Colorado or Greeley roof hail damage. We have navigated these waters many times and have the expertise you need. Slaughter Roofing is also a local company which means we are deeply invested in the community you live in. We were here before the storm and we will be here after to serve you.
Please contact us for a free evaluation and estimate.