Part Two of our February Storm Prep series looks at the Dallas roofing process and what homeowners can expect when dealing with a roofing claim after a weather event has occurred.
Between dealing with insurance carriers, vetting the deluge of contractors that inevitably show up after a storm, and ensuring you receive a quality roof that is installed correctly, it can seem like a daunting task.
The more you know about the in’s and out’s of the process, the better equipped you’ll to make sure you get the roof you deserve with the least amount of stress and anxiety.
Let’s get started!
Initiating The Claim
Once a storm has blown through, and an assessment has been made by the homeowner as to the extent of the damage, a call should be placed to the insurance carrier to begin the claims process.
Keys to follow:
Know the terms of your policy before calling.
Make this call a priority. If there is extensive damage in your area, you want to be at the front, not the back, of the line.
The Adjuster is one of the first people homeowners come in contact with after you’ve notified your carrier of a loss or damage. They’re responsible to the insurance company for assessing the damage caused by the covered event. The Adjuster will arrive after being assigned by the insurance carrier once you initiate a claim.
Key to follow:
Schedule the Adjuster and Dallas Roofing Consultant to be there together when it’s time to assess the total damage. You want to make sure you have someone in your corner, not solely someone looking out for the insurance carrier’s interests.
Choosing a Contractor
The job of the contractor should be to assess damage on behalf of the homeowner. Often times the Dallas Roofing Consultant will be present when the Adjuster is on-site performing their inspection of damages. The Roof Consultant works for a roofing contractor and is responsible for walking the homeowner through the entire roof replacement process, start to finish.
This is includes creating a replacement estimate, managing the production of the replacement roof- including setting dates and times of work to be performed in concert with the homeowner, helping homeowners understand all paperwork, and ensuring the roof is installed correctly the first time.
Of course, not all Roofing Consultants are created equal! Ask questions that ensure your Roofing Consultant is willing to cover all these bases and will be in your corner when you need them.
Keys to Follow:
Search for a roofing contractor that is local. You’ll get all kinds of out-of-town storm chasers who are here today, gone tomorrow. If there are any issues with the roof after installation, you want to be able to find the contractor who performed the installation so they can rectify any problems.
Make sure you ask for their Certificate of Insurance (or COI). Review their coverage to ensure it is current, and call the insurance carrier to verify it’s enforceable.
Unless you have a specialty order roof, never part with monies up front. Run the other way if a contractor forces you to pay money down before the job begins.
Tear-Off and Installation
The roofing crew will perform all removal and installation tasks with regard to roof replacement, including tear-off and expert installation of the new roofing system. The roofing crews usually arrive quite early to begin the tear-off process. A key aspect of any expert roofing crew is their attention to detail, from the first nail to final clean up. The crew should leave the property cleaner than they found it!
Keys to Follow:
Look for companies that have uniformed crews that drive logo-ed vehicles.
Vet the contractor about their background screening policies related to the crews they use.
The Quality Control Inspector is on of the last people a homeowner interacts with in the roof replacement or repair process. The QC Inspector will examine the roof to ensure that scope of work contracted by the homeowner has, in fact, been installed - and correctly. Checking to see that any ventilation work was performed correctly and to code, and that shingles have been properly put down are just two examples of QC’s responsibilities.
For more Dallas roofing tips, visit http://www.AspenmarkRoofing.com
Posted on 2/4/2016 at 10:18:00 AM