One of the inquiries most often asked are related to homeowner’s insurance and coverage of roof damage. Below are key points to explain the main questions.
We have comprehensive experience in dealing with insurance companies and have aided numerous customer’s in securing coverage.
If the roof damage to your roof was caused by wind, hail, or fire, your homeowners’ insurance should have you covered.
- KNOW WHAT YOUR INSURANCE COVERS
Be sure to review your policy; The dwelling coverage section of homeowner’s insurance protects your home’s structure, which includes your roof. If you do not have a copy, request one from your insurance agent.
Insurance companies generally offer two types of roof insurance: repair coverage and replacement coverage. Repair coverage usually reimburses a certain percentage of repair costs, while replacement coverage provides a complete replacement for a roof beyond repair.
Check for the amount of your deductible; at times, policies have separate deductibles for wind and hail damage. If damage to your roof is due to lack of maintenance, usual wear, and tear, your insurance will likely deny your claim. Older roofs more than 20+ years are typically insured at their actual cash value (ACV).
This information will help guide your financial decision about roof repairs or replacement required; this is all information that your roofing contractor can help you assess and facilitate the claim process.
- RESEARCH AND CONTACT A REPUTABLE ROOFING COMPANY
Insurance companies will customarily recommend that you contact them first to send their inspector to evaluate the damage. We advise that you get an independent roofing company to perform the initial assessment to confirm the damage and document it for you. Insurance companies favor the side to preserve their firms’ funds above the insured’s interest. Allowing an experienced roofer to present you with prior knowledge to have all available data and documentation is the most practical approach to take.
Your roofer can also perform temporary repairs or install a tarp should you have active leaks.
- BEWARE OF INSURANCE SCAM
Unfortunately, the roofing industry has incurred a bad reputation because of an overwhelming amount of insurance scams by ‘fly by night roofers’ and other like persons and actions.
To help prevent you from falling victim, it’s popular for roofing companies and online resources to give varied input on identifying said scammers. These fraudulent individuals are customarily good at misrepresenting themselves and deceiving homeowners with bogus “deals” and “discounts” it is our recommendation you ask them for their business card or other suitable information to allow you proper time to research them online and ensure they are a legitimate roofing contractor, insured, experienced, and with a positive reputation.
Most important, should a homeowner pick a roofer solely based on price or because they offer to pay their deductible (which is illegal), it will leave them open to an improper installation, which a fraudulent company will not stand behind. Your insurance company will deny any claims because of improper installation. On average, homeowners replace their roof 1.5x in their lifetime; make the best decision of the main protective component of your home.
- FILING A CLAIM
Contact your insurance company; you want to do this within a month of the damage. At this time, you can provide them all the information you have received from your roofing company and request an appointment with your insurance adjuster. *Please note that COVID-19 has changed the process of physical inspections for many insurance companies. The insurance companies’ policies and procedures determine the timeframe in which they respond to your claim with a decision. This timeframe is usually ~15 days. If they deny your claim, you can appeal the decision. Your insurance company has the discretion to make the final judgment.
Level Up Roofing can coordinate a Roofing Consultant to be present when your insurance adjuster schedules the evaluation and work in tandem to ensure you get coverage for all that is entitled to you.
If your claim is approved, contact your roofing contractor to schedule the next steps to get your roof replaced. And if you hired Level Up Roofing, get excited to be the envy of all your neighbor’s in your block!
Has your roof been damaged? Do you need to file an Insurance Claim?
Level Up Roofing is here to facilitate the entire process, from the initial assessment to being your advocate with your insurance company to a quick and stress-free experience with your roof repair or replacement.
Contact us at (919) 516-9043 or you can request a Free Roof Inspection
If you experience excessive fluctuations in temperature inside your home, that is a leading indicator of improper ventilation and an underperforming roof. A roof replacement addresses this problem, regulates the ventilation and temperature, and lowers energy bills by preventing excess drafts and water permeation.
Homeowner’s favored time of the year for a roof replacement is from spring through late fall. To replace a roof, specific criteria must be followed to ensure the installation of all roofing materials adheres appropriately. Fortunately, the weather in North Carolina allows the opportunity for roof replacements year-round. An experienced roof installation team knows when and how to install a new roof without becoming damaged from extreme temperatures.
The longevity of a roof depends on the skill of the workmanship foremost. You could choose the most premium materials on the market, and if not installed properly, it will fail.
Take the opportunity to ensure that you perform your research and ask your roofing consultant for guidance on all options that will prolong your roof’s life. When you are replacing your roof, it is the time to get it right.
Lastly, make sure that it is routinely and properly maintained.
The available options of roofing materials can be overwhelming for a roofer, even more so for a homeowner. Being in the roofing industry for a long time, we know what is tried and true and simplify this process.
Certain conditions will influence the roofing system you could get on your home. You and your roofing consultant will review them and decide the best choice. Some details to consider will be from your budget to the pitch and condition of the existing structure to your preferred style.
To narrow down the most common roof systems, we have listed them below with brief information on their pros and cons.
Asphalt shingles come in various profiles and assorted choices of colors. They can cover many different angles, shapes, and forms, which means they offer high performance that works with almost any type of roof in an aesthetically pleasing design that is easy to install and for a relatively low cost.
In the long run, metal roofing, slate roofing, shake roofing, and other roofing options do not offer the same value for the cost of asphalt roofing.
Metal roofs have been and continue to grow in popularity. The sleek and modern look, expansive array of designs and colors give nearly any desired roof style option.
Although not as costly as wood shakes, a metal roof’s initial cost is significantly more than an asphalt shingle roof. It does offer a longer lifespan and requires minimal maintenance.
The material is surprisingly lightweight and great at reflecting heat from the sun, helping you save energy. Today, the most common panel-style metal roofing is standing seam. These have raised ribs that run vertically along with the panels.
If you think that metal roofing is too commercial for you, there are various options besides the commonly seen metal panels. Metal shingle and metal tiles look quite different than sheet roofing. They are formed into shapes that imitate a Spanish tile, wood shakes, slate, and Victorian metal tiles.
The caveat is that highly skilled and experienced metal roof installers are not common, and nearly all potential problems come from installer errors. Meaning, the price of the metal roof supports the labor more than the material.
We understand that your roof is not a part of your home that you generally think about or get excited when replacing as you would with a kitchen or bathroom remodel (unless you work at Level Up Roofing).
However, if you look at it from another viewpoint, everything you love about your home is beneath that roof, whether it’s your brand-new TV, your kids’ “artwork” and
family pictures to a quilt that has been handed down for generations.
The average American gets their roof replaced 1.5 times in their life. Meaning this is the time to consider all options that benefit your roofing system, home, and everything it shields.
Secondary Water Barrier
Invest in a secondary water barrier along all the eaves. These peel-and-stick bituminous membranes are applied before the roof covering installation and self-seal around roofing fasteners, forming a watertight seal over the eaves; this is the roof portion most susceptible to wind damage, ice dams, and other elements. They can also be applied to other vulnerable roof areas, such as skylights and dormers. North Carolina Building codes have changed in recent years to require new roofing systems to include SWB on the valleys.
Install Low-Maintenance Gutters
Faulty gutters can be a new roofs undoing. We all know how easily and quickly gutters can get backed up with leaves and debris. Blocked drains will cause an accumulation of water, affecting not only your roof, but the underlying structure, causing rotted sheathing, leaks, and the trapped moisture could lead to the growth of mold and other hazardous fungi outgrowths.
Prevention is better than a repair and keeping up with your gutters could be a cumbersome chore and, if not adequately cleaned, lead to problems. We highly recommend at the time of a new roof installation to replace your gutters with a new low-maintenance gutter system with Shur-Flo Leaf Guard.
Proper Roof Ventilation is an integral part of your roofing system.
Proper Roof ventilation is an integral part of your roofing system and plays a key role in keeping the temperature even and your home comfortable. In the winter, it keeps your roof structures from damaging moisture. In the warmer months, it allows the hot air to rise through your attic and promotes the elimination of excess heat and humidity. Air is taken in through areas like your soffit and runs through the roof ridge vent or other exhaust components.
Determining the proper airflow is only achieved with an accurate calculation of the entire vent area required. Ideally, half of the vents should be located in the soffit at the bottom of the roof and half in gable or ridge vents near the top to allow for the natural circulation of air through the attic.
A lack of ventilation can cause a host of problems such as shorter roof lifespan, A/C wear and tear, saggy and spongy decking, mold and mildew, ice dams, and rust, to name some of the most severe effects.
Properly venting your attic and roof is a significant element in keeping your home more comfortable and secure. Our expert Roofing Consultants can advise you if you have the right amount of ventilation, and if not, recommend what type of ventilation best suits your needs.