How to File a Claim
My roof is not leaking, so how do I know if I have any storm damage?
In most cases, hail damage may not cause roof leaks immediately, but that doesn’t mean that you won’t have a leak later if the problem is not addressed. Hail can cause severe damage to your roof that is not always visible from the ground. It is best to have your roof inspected by a licensed and insured roofing contractor to determine if you have enough storm damage to justify filing an insurance claim.
Call today and we will be happy to perform a Free Storm Damage Inspection.
Do I have to pay J. Adams Roofing Inc. for their claims assistance?
NO! We will assist you with your claim from start to finish for free! Our claim management program is a complimentary service we provide to all of our clients.
Call today and we will be happy the help you start your claims process.
Should I call my insurance company before I call a roofing company?
Usually not. In many cases, an insurance company will consider it a claim against your policy even if you don’t get a penny. Every time they go out, they count it as a claim. In most cases, it is wise to have us take a look at your roof first. We can make sure the roof is eligible for a claim before you call your insurance company. If there is damage, we will also be happy to meet your insurance adjuster and make sure the specifications of your claim are correct.
The way a claim is filed can very often affect the way it is settled. Please call us before you call your insurance company and we will make sure you get started right.
My insurance claim shows the Actual Cash Value and Replacement Cost Value. What is the difference?
Almost all homeowner’s insurance policies cover the full replacement value. When you file your claim, you will most likely receive the first of two checks from your insurance company, which is the amount of the Actual Cash Value (how much the roof is worth today considering its remaining life expectancy). The insurance company withholds what is called depreciation from the initial check and will pay it once the work has been completed.
Actual Cash Value + Depreciation + Your Deductible = Replacement Cost Value
Why did the insurance company withhold depreciation?
There are typically two reasons why the insurance company would withhold depreciation. First, they want to make sure that you actually have the work completed. Their past experience has shown that if they pay their client all of the money upfronts, often times the client would spend the money on something else other than the repairs for which they are paying. Second, the insurance company wants to make sure that you pay your full deductible. Also from their experience, they have found that when they paid all of the money upfronts, their clients would try to find a contractor who would perform the job for that amount or less, thus leaving the client without having to pay their deductible. By withholding this depreciation until the work is completed, they can adjust the amount of the final payout based on the job complete invoice submitted by the contractor to ensure that the client does pay their deductible.
Can I get the depreciation back?
In most cases, yes. Usually, residential policy claims have depreciation which is initially withheld. Unfortunately, many homeowners never have recoverable depreciation explained to them and as a result, they will commonly miss out on thousands of dollars of their claim. After the work is completed, we will help you work with your insurance company. We will provide them with all the necessary paperwork which will usually allow you to get ALL of the depreciation refunded!
There are many small details and variables which apply to each specific claim. Call today and we’ll make sure you understand your individual claim fully before you call your insurance company.
What if J. Adams Roofing Inc.’s quote is higher than the insurance company estimate?
While this rarely happens, if it does, we guarantee to install your roof per the insurance company specifications and pricing, so that your only out-of-pocket expense would be your deductible.
Please call us today and see what we can do for you.
Can I avoid paying my deductible?
No. To attempt to do so constitutes criminal insurance fraud.
Don’t see your question answered here? Contact our office for assistance.
How to Know When It’s Time to Replace Your Roof
While replacing an older roof is always a desirable option for homeowners, cost and availability are important factors to consider when deciding if the time is right for total replacement. Maintenance and repairs can often add valuable years onto the life-span of a roof. Other times, however, the choice to delay necessary replacement can lead to harsh consequences and inconveniences for a family.
The decision is best to be made in consultation with a roofing contractor, who can offer professional expertise on the nature of the job. But homeowners can also put some common sense research into forming a reasonable opinion on the best option for their roof. Here is a look at factors to consider when deciding if it is the right time to replace your roof:
- Research exact age of roof: Many times homeowners are unfamiliar with the precise age of the roof because a prior resident was responsible for its replacement. Check inspection reports from the time of purchase to determine if the home inspector was researched the year of installation. If a home is relatively new, chances are that it still has its original roof. Most experts agree that a typical roof can function well for 20 to 25 years, but the figure varies with the degree of proper maintenance, installation, and ventilation.
- Thorough visual inspection: The roof is arguably the hardest place in your house to get a good look. Depending on its pitch, and the overall nature of the structure, safely get in a position to make a close inspection. If unable to do so, ask a professional for an opinion of the roof, which can include photographic evidence of the exact condition.
- Check the attic for daylight: Once again, if possible, make a visual inspection of the home’s attic. Even if this area is a mere crawl space, get safely into a position to take a close look at the underside of your roof. Insulation may prevent a good view, but if any daylight can be seen through the boards, there is good evidence of a crack or hole in the roof.
- Get estimates for repair and replacement: Contractors are equally capable of repairing or replacing a roof. A professional may offer an opinion at which option is preferable but ask for a breakdown of cost both for repairs and for replacement. The final decision – and also the responsibility for choosing correctly – ultimately rests with the homeowner.
- Consult insurance company: When in a position to seek a replacement, the necessity is typically due to wear and tear of the materials or the mere age of the roof. However, problems are sometimes caused by conditions that are covered under a homeowner’s insurance policy. For example, if damage has been caused by a tree, there may be assistance available under the terms of the policy that covers the associated property.
This is not an exhaustive list, but only some of the more common suggestions to consider when deciding if appropriate to replace a roof. While the decision is intimidating, choosing correctly is the best way to protect both a home’s value and the safety of those living under that roof.
How to Locate a Leak in Your Roof
When seeing visual evidence of water on the ceiling, you know that a leaky roof has found you. Finding the source of that leak in the actual roof, however, is usually not so simple.
Due to the typical pitch of a roof, water frustratingly tends to enter the structure in one spot and then runs down to another place, before eventual absorption into the ceiling. This fairly common scenario is why prudent homeowners often turn to a professional roofer to be sure a correct diagnosis of the intimidating problem is made.
Yet, even a novice can follow certain basic steps to locate a leak. Extreme caution should always be exercised, especially if unfamiliar with the specific characteristics of the roof. Here is a look at five ways in which the location of a roof leak can be determined.
- Using a ladder to get on (or near) the roof, visually inspect for damaged roofing materials, exposed nails, running cracks in tar, or missing shingles.
- Make sure gutters are not clogged with leaves or debris. If water continually backs up in gutters and drains, it will eventually find its way under the roof.
- Check air and plumbing vent pipes, as well as the metal flashings that typically cover roof joints. Look closely for potential damage to the rubber seals, watertight gaskets, and tar that commonly attaches this type of equipment to the roof.
- If accessible, check the attic of the house during rain. Keep room dark while shining a flashlight on the underside of the roof. Water should reflect the light and even a small hole may become visible.
- If timing prevents visiting attic during rain, have a second person spray a garden hose on the roof during normal conditions. If a leak is not directly observed in the attic, once again shine a flashlight on the underside of the roof in hopes of spotting the hole.