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Your roof is one of the most important parts of your home because it protects against wind, rain, snow, hail, and heat. Every day your roof is exposed to the elements and weather hazards, all of which contribute to its damage and deterioration.
Experienced and local roofing companies can help with your roof replacement and roof repair needs. Look for a contractor with plenty of experience, that is local, with plenty of references & reviews, and with proper insurance.
We have been offering roofing solutions in North Texas and surrounding areas since the early 2000s and have compiled a list of frequently asked questions from both home and business owners over the years which can be seen below.
HOW DO I KNOW IF I HAVE HAIL DAMAGE TO MY ROOF?
If you have had hail in your area, to determine if the shingles have been damaged an inspection must be done up close and on the roof. Our expert Sales staff knows what to look for and will be able to explain the extent of the damage to you as the homeowner.
HOW DOES HOMEOWNERS INSURANCE HANDLE HAIL DAMAGE CLAIMS?
The purpose of homeowner’s insurance is to protect homeowners against losses in their property’s value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in your original investment (home). Your insurance policy covers you to bring the property back to “whole”.
WHEN AN INSURANCE ADJUSTER INSPECTS MY ROOF, HOW DO I HE WILL SEE ALL OF THE DAMAGE?
The Elite Roofing team of experts are training spot hail damage, as part of our service we attend the adjuster meeting with your insurance company to ensure that all damage is brought to the adjuster’s attention. If you are going to go through the process of a claim, and replacement of a roof and pay a deductible, you want to be sure that all the damage is fixed and covered.
SHOULD I GET SEVERAL ESTIMATES AND PRICE COMPARE?
When insurance is paying for the work, the dollar amount of the bid is not important, it just needs to align with the insurance company’s assessment. You are only responsible for your deductible, so the most important thing for you is selecting a reputable company that will perform quality work and warranty the work.
HOW WILL FILING A CLAIM IMPACT MY INSURANCE?
If your roof has any damage what-so-ever you have a VALID insurance claim and should file with your insurance company. Insurance companies cannot cancel your policy for an “Act of God” disaster-related claim. The insurance rates may increase for an area after a disaster has caused damage to most neighborhood homes. Your personal insurance is not impacted by making a claim or not making a claim – In fact, by not filing a claim you may still have the same increase which is paying for everyone else’s damage except yours.
I CALLED MY INSURANCE COMPANY BEFORE CALLING ELITE AND MY CLAIM WAS DENIED, WHAT DO I DO NOW?
You are entitled to a re-inspection and a different adjustor will be assigned. We highly recommend at this point you work with our sales team to ensure that an elite expert attends the re-inspection. Elite will point out things that might otherwise be missed and act as an advocate for you as the homeowner. We are your “eyes on the roof”.
HOW LONG DOES THE ROOF REPLACEMENT TAKE?
Elite Roofing has large teams of installers, we have a headquarters in Garland Texas which coordinates all the administrative and materials to ensure a timely and efficient installation. Many smaller roofing companies have limited resources and may have a 2 or 3 may crew on your roof for several days. Elite Roofing typically has a large crew of 10+ installers and a supervisor arrive for your installation, completing the entire project in 1 day. Your salesperson will also follow up and be around during the work to ensure everything is running on time and you are pleased.
DO I NEED TO GET MY ROOF REPLACED RIGHT AWAY?
Hail damage may pose no immediate threat to the structural integrity of the roof. However, many insurance companies have a “statute of limitations” on how long a hail claim is viable. If you have hail damage, don’t wait as it can lead to other associated problems and/or your insurance company will no longer cover your damages.
IF I HAVE A NEW ROOF… IT IS COVERED BY MY MANUFACTURER’S WARRANTY?
No, manufacturers exclude hail impacts from their warranties.
THE INSURANCE COMPANY WITHHELD DEPRECIATION, WHAT DOES THIS MEAN AND AM OUT THIS MONEY?
If you have a full replacement cost policy, you will eventually get the full replacement cost. Initially, you will receive the depreciated value of the roof less your deductible. Upon completion, you will receive the remaining amount after the insurance company validates the work has been completed.
I HAVE KIDS AND PETS AND AM WORRIED ABOUT NAILS AND SHARP OBJECTS AROUND MY HOME AFTER THE INSTALLATION?
Elite roofing is meticulous in our clean up process. We are thorough, and your property will be left in the same condition we found it.
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This content is brought to you by Teodora Torrendo.
Photo provided by Elite1Roofing.