Frequently Asked Questions
Ideally, your roof should be inspected once a year or shortly after a severe weather storm.
Homeowners have 3 years from the date of the storm to file a claim for any/all damages.
If you had a different insurance provider when the last storm hit then you do right now, then you would pursue a claim against the insurance provider you had when the storm happened.
i.e: You have Geico insurance and it hailed on May 21, 2015. You switched to Allstate in March 2, 2016. If that hail storm was the last to hit your home then you would pursue a claim against Geico, as they were the ones who insured the property at the time of the storm.
It depends. In short, from inspection to installation and cleanup typically take 3-5 weeks. Insurance providers and weather are the 2 biggest factors of time.
All checks are sent to the Homeowner, unless they authorize the check be addressed and sent directly to The Roof Medic.
Insurance companies pay to replace your hail damaged roof because they acknowledge that the integrity of the shingle was damaged enough to assume there will likely be problems in the future. Even if you have no current leaks or issues. In this sense, they are proactive, as to save them from a larger claim in the future when/if the roof failed.
This question is asked very frequently. LEGALLY you are required to pay your deductible. This is typically the only amount you have to come out of pocket during the entire process.
Depreciation is either recoverable (RCV) or unrecoverable. This is the amount of money that is withheld by your insurance company at the beginning. The amount that is withheld is determined by the age of your roof. (Ex: if your roof is a 30 year roof and is 15 years old, they typically withhold 50% of the approved amount). It is meant to encourage the homeowner to get the work done in a timely manner. If you have recoverable depreciation, once the work is complete you will receive this amount as your final payment.
We try to accommodate all things required to make this process painless for the homeowner. With that being said, you do have a few responsibilities, such as:
- Ensuring any loose objects on mantles or in china cabinets are secure.
- Any paintings, portraits, china or mirrors that are on the wall and not secure should be taken down.
- If you plan on leaving your house, park your car on the street the night before.
In many situations you don’t have to! Even if your insurance company denies your claim, you have 1 year from the date you filed to request a second opinion. This process can be very subjective, so Homeowners are entitled to a second opinion if they feel their property did not receive the time and attention it deserved for an unbiased inspection.
The main difference is that 3-tab roofs are 1 layer thick and lay completely flat. Architectural shingles have an additional layer of asphalt applied to the body of the shingle. This extra thickness provides not only additional impact resistance but also helps resist against wind damage. The additional layers also give the shingle more depth which help make the shingle pop with shadow lines.
We perform multiple sweeps of your yard with multiple magnets of various lengths to pick up all those nails. Though sometimes long grass, pine straw, leaves and mulch are problematic in getting them all. This is why getting your grass cut a few days before we build greatly helps us in picking up all the debris.
When performing both a roof and gutter replacement it is always best to get the roof replaced first as the soft metal of the gutters could easily be damaged by falling debris.