roof replacement
WHEN THE STORM STRIKES, WE HAVE YOU COVERED

Roof insurance claims

We have specialized teams ready to deploy and assist you with your roof insurance claims. Take a breath and check to ensure your loved ones are safe. Next, identify if your home has suffered massive hail or wind damage.

Are you experiencing roof leaks, missing shingles around your lawn or a hole in your roof? Then give prompt notice to your insurance company as a policy holder and call a roofer you can trust for preventing future damages. If needed, your roofer should install a roof tarp over the missing shingle areas or roof leak areas.

roof insurance claims: This is What we do!

WHEN THE STORM STRIKES, YOU NEED SOMEONE ON YOUR SIDE YOU CAN TRUST!

A roof insurance claim can be exhausting if there are too many things happening at the same time. Dealing with a storm damage claim is not an easy process. We make it easy for you, our qualified team is going to guide you on the right path during your roof insurance claims. From the moment you call,  we do whatever is necessary to mitigate and prevent further damages. We will install a tarp over your roof, assist you with your insurance adjuster’s meeting and assist your insurance adjuster during the inspection. Our storm damage teams will provide your insurance adjuster assistance by removing the tarp to see the actual damages underneath and securely replacing it back as well as providing the right ladder equipment (16, 28, 32, 40, or 48 feet) for access to your roof.

With our expert teams, we check for other damages associated with this storm such as fences, gutters, water soaked or stained sheetrock, stucco, windows, glazing beads, skylights, etc. We have over a decade of experience with roof insurance claims so we are eager to help as many people as we can. Our goal is to become your response used by God in these difficult times. Unfortunately, we have seen too many people screwed by their Contractors who run away with the insurance proceeds or leave jobs incomplete.

Hand-Nailed Roof Replacements

We are not saying to do the work you don’t pay anything. You will have to pay your deductible for the approved claim! Our goal is to restore your home in the shortest possible time without cutting any corners to pre-storm condition. Always we leave your home better than we found it, by using quality materials, premium warranties and the best workmanship in the city.  Your new integrity roof shingle and accessory systems, ventilation systems, certified warranties and our installation methods will leave you with jaw dropping results. Each one of our contractors are the best in their trade. You will never see one of our roofers installing your gutters or doing your sheetrock, absolutely not! 

Need AnyRoofing, Replacement, GutterWork?

Don’t worry, we can help you!

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Need AnyRoofing, GutterWork?

Don’t worry, we can help you!

roofers in texas

At www.myroofimprovement.com we will help you with your questions about roof insurance claims

There are different types of damage to your roofing. Serious cases involve when roofs are damaged by extremely low temperatures, or debris from extreme cases such as when trees fall onto them. Roofing with badly designed chimneys is also a cause of roof damage. There are still little-related cases, such as high winds or hail, but even in a typhoon situation, it’s hard to know what to do or where to start. Nonetheless, if your roof has suffered damage from an intense storm, it’s important to contact the experts. The team at Ragan Roofing is here to help homeowners dealing with storm damage to their roofs. Ragan Roofing has been providing customer friendly measures and guidance as homeowners are faced with an important decision that must be made during this stressful time. For your roof to start this, you must check two things whenever you suspect that your roof has storm damage. These things include
  1. looking under the eaves of your roof
  2. listening to see if you hear drip-drop noise coming from your roof.
Next, our team will discuss the 5 main things that home insurance claimants need to remember about storm-related roof damage claims.

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Storm damage on your roof? Make a roof insurance claim!

The very first thing you should do if you believe or notice that you should have roof damage is to call your homeowners insurance company. If you have contacted them and given them the information and details, you are all the more hoping the problem is not too large and the injury will not likely result in the need of a large amount of money. These two scenarios you will fall under after having a chat with your health insurance company. The first scenario is when an insurance company estimates the amount of damage to your home and gives you the approximate price. Then repairs are scheduled so an adjuster can come out and inspect the roof damage. When their inspection is complete their declaring that your home does not show signs of wind damage. If your claim of coverage under your homeowner policy is approved, then you will need to begin finding a contractor that has experience serving roof insurance claims. However, if your claim is denied, it doesn’t mean you’ve exhausted your options. There are ways to double-check your roof for storm damage. Let’s cover that though in just a second.

Roofing Contractor for Storm Damage Claims

Roofing Company Hail Damage Claims

Roofing Company Wind Damage Claims

Roofing Company Hurricane Damage Claims

Find a local roofer contractor! We are here for you!

In the real world, you may find yourself a victim of identity fraud. For example, the insurance company may mention a local roofer instead of a more credible one. It could be a contractor or non-professional who would submit photos of your roof to the insurance company. If the landscape images show signs of storm damage, the auto insurance company will then send a field adjuster to visit the site and make an inspection. However, this will happen as long as you continue to ignore his advice, and bring the issue of offering these discounts to his attention himself. So, be sure to do this without wasting anymore time than you already have. If you fall under any of the above mentioned incidents, you should always do is call your homeowner’s insurance before discovering the damage.

Hail Damage Claims

Storm Damage

Wind Damage

Hurricane Damage

Remember these 5 repairs when dealing with damage to your roof

Following a belief that your roof has storm damage, you contact your homeowners insurance company. This is when you begin the long and sometimes frustrating process of starting an roofing insurance claim. These points are essential in the process of storm damage recovery, so be sure to know the 5 things you should be aware of before calling an insurance company. Roofing Company Storm Damage

The roof insurance claim process for storm damage is not well organized or clear

Unfortunately, roofing and insurance companies do not act in the best interest of everyday Canadians. It is even harder to do business when dealing with coverage or payment amounts.

Some companies seen this as an opportunity and scam homeowners who are desperate to get their roof issues fixed. This does not mean that all roofing contractors or insurance companies will try to trick you.

What we’re trying to communicate is that there are people on both sides who are trying to scam homeowners in a stressful situation. Remembering this before the application is started may help prevent something exactly such as this from happening.

Roof Insurance Claims

Contact www.myroofimprovement.com to do your roof insurance claims

Some contractors attempt to strong-arm homeowners before conducting a roof inspection. In an attempt to lock them into a contract, which gives them the right to the homeowners roof before building consent is granted, they are trying to exert control over their clients.

This is yet another clear example that the roofing company did not have your best interest in mind. The right roofing contractor will not force you into any kind of insurance. They will verify the severity of your leak before they attempt to upfront and their assessment of the damage can even be confirmed by third-party inspection agencies.

If you can’t afford a loss, don’t sign any contracts from a roofing company right before you apply for claim insurance.

A roofing contractor like myroofimprovement can be hired to examine storm damage and report back if they think you have it. Roofing contractors are a great source for entering to roofing the quality of construction is established.

But even if a shipyard roofing contractor is 100% certain that your roof needed to be replaced because of storm damage, the insurer has all of the power to deny the claim.

Storm Damage Claims


Education is key of success during the storm

When you buy a homeowner’s insurance policy, it is important for you to ask these simples questions:

 

  1. What are my policy coverage and terms for my main dwelling and other structures?
  2. Do I have a roof exclusion or exceeding coverage limit?
  3. What deductible applies to my loss and is this the most common deductible for:
    • Perils? 
    • Wind or Hail?
    • Hurricane?
  1. What is my deductible amount on a roof insurance claim? (*) (**)
    • 1% 
    • 2%
    • 5%
    • 10% 

(*)There’s a lot of confusion now because the insurance companies are calculating the deductible based on the percentage of the value of the house, not the value of the claim. In other words, the dwelling amount.

(**)Example: if your dwelling is $300,000.00 and your deductible amount is 2% the deductible applicable to your loss will be $ 6,000.00 and then they apply the depreciation.

  • What is recoverable depreciation? (*)
  • Ask If your policy carries the replacement cost value endorsement or only pays on Actual Cash Value basis a.k.a. RPS (Replacement prorated Schedule program? This is one of the key and one of the most important questions.
  • Ask  If your policy covers Code Upgrade? This question is extremely important, especially in old houses.

 (*) The majority of the insurance companies apply the depreciation based on the age or condition of your roof. 

(**) Example: if your roof’s life expectancy is 30 years but your roof is 15 years old they will apply a 50% depreciation.

–       An example: your total cost for repair is $22,000 and your roof is 15 years for 30 year shingles. The depreciation cost is $ 11,000.00,  then they apply your deductible applicable to your loss during your policy coverage, let’s say $ 6,000.00. The sum of your deductible and your depreciation check subtracted from the repair cost totals your Actual Cash Value of     $5,000.00. 

–       In a lot of the cases, you can recover the depreciation they withheld. This will be dependent on terms and conditions of your policy. Ask If your policy carries the replacement cost value endorsement or only pays on Actual Cash Value basis a.k.a. RPS (Replacement prorated Schedule program).

WITH JC&C ROOFING COMPANY YOU NEVER GO WRONG!

ROOF INSURANCE CLAIMS: THE 7 SIGNS YOU HAVE A STORM DAMAGE

1. GRANULE LOSS FROM HAIL DAMAGE

Loss of granules is a common consequence of hail damage. Make sure to check your downspout after a hail damage on your roof to identify if you sustained some loss which will be evident by the accumulation of shingle granules inn your downspout’s splash pad. 

2. WINDOW DAMAGE

Check your window’s glazing beads for cracks.

3. SOFT METALS

Undeniable evidence on your homes’ exterior are your downspouts, A/C Unit, roof jacks so  check for dents on them.

4. FALLEN TREE LIMBS

Broken tree limbs in the front yard, on your roof or on your car parked on the driveway during the storm need to be checked for dents, roof holes, or knocked over fences, another piece of evidence. If you have more of these signs don’t hesitate to call us or book us online for a free no obligation storm damage inspection.

5. MISSING ROOF SHINGLES

If you have missing roofing shingles on your yard, roof damage can be visible on your home from the ground.  You may be eligible for a storm damage claim, but there are lots of things to consider before you open a roof insurance claim. Call a trusted roofer to determine if the amount of missing shingles on your roof is worthy of opening a storm damage claim. In a lot of the cases, only a few damaged shingles from your insurance company opinion could be approved for only repairs, but if the cost of your repairs is less than your deductible you won’t receive a penny. 

6. ROOF LEAKS

Our trained experts know the difference between hail damage and roof blistering. At JC&C Roofing Company when you call us for a roof leak, we will always tell you the truth and provide you with evidence of our findings. 

7. ROOF DAMAGES

If after a violent storm you find a tree limb over your roof, tree damaged over your roof, evidence of missing shingles, missing or damaged flashings, curling edges on your roof shingles, damaged vents, pipe boots damages, falling gutters, fallen siding or pooling water on roof are things you have to act fast to prevent further damages. In the majority cases Homeowner(s) don’t even know they are eligible for roof insurance claims until they start experiencing roofing leaks.

CALL US TODAY OR BOOK US ONLINE FOR A  FREE STORM DAMAGE INSPECTION YOU WILL BE RECEIVING A COMPREHENSIVE ROOF EVALUATION INSPECTION WITH THE PICTURES FROM THE STORM DAMAGE INSPECTION, WE OFFER EMERGENCY ROOF REPAIRS AND TARP SERVICES TO PREVENT FURTHER DAMAGES.

 

THE DAY OF OR AFTER THE STORM, REMEMBER CALL JC&C ROOFING TO REQUEST A FREE ARTIFICIAL INTELLIGENCE ROOF INSPECTION. WE USE DRONES TO SCAN YOUR ROOF FOR STORM DAMAGE IN CASE YOU DON’T WANT SOMEONE ON YOUR ROOF OR A ROOFER CAN NOT WALK ON YOUR ROOF.

SIMPLE AND EASY STORM DAMAGE CLAIM PROCESS

How roof insurance claims works

FREE ROOFING STORM DAMAGE INSPECTION

Book your storm damage inspection to find out if your roof qualifies for a storm damage claim. We will perform a thorough and honest inspection of your roof’s condition.

We have the experience and technology to determine damages on your roof which sometimes don’t even require a full roof replacement. We review our findings of the damages we discovered on your roof using the inspection photos with you. We believe this is an important part of the storm damage inspection process.

MAKE A ROOF INSURANCE CLAIM WITH YOUR INSURANCE COMPANY

We use supporting data from AccuWeather and others sources to verify when it happened, the size of the hail, the wind speed or wind gust for the storm damage to gather as much information for you regarding your loss.

INSURANCE MEETING

For a lot of reasons at the insurance meeting, the contractor of your choice should always be present because some adjusters see the steepness of your roof and don't even want to climb it. Also, this allows for better discussion regarding the needed scope of work under the claim. So you, the homeowner, your insurance company and your roofing contractor are on the same page with your scope of work.

REVIEW OF YOUR INSURANCE ESTIMATE AND YOUR APPROVED SCOPE OF WORK

The insurance adjuster will write you an estimate for the repair or the replacement of your roof. Let us know when you received your roof insurance claim letter, they will call you so please request them to send you the estimate via email. We will schedule a time to meet with you and go over your approved insurance estimate. If everything seems fine, we will talk about product colors and scheduling the scope of work approved by your insurance company.

Something doesn’t seem right, we will let you know what they are not paying for. We will put an estimate together using Xactimate, a regulated Insurance pricing software. We pride ourselves on never cutting corners with our customer’s home by doing what is fair and not milking your insurance company.

SCHEDULE AGREED ROOF REPLACEMENT OR ROOF REPAIRS

We are ready to schedule your roof replacement or repairs scope of work approved and detailed by your insurance carrier such as: roof, interior painting, windows, gutters, exterior siding painting, drywall, fencing, etc. Because many of our customers want to be present when the replacement or repair work is scheduled, Saturdays are the most selected day so we work our schedule to accommodate our customers’ wishes.

Often at their request, we inform them on the best selection of shingle brands and preferred colors. It is our goal to offer them a durable and beautiful roof they will love to see over and over again. For the selection of your roof design, we use the latest technology on 3D View visualizer Hover. We supply you with style and color samples with the actual shingles too. We continue to upload our latest roofing projects to our YouTube Channel with all the available colors. That way, at the time to select your roof it is an easy and exciting task.

HOA APPROVAL

We can assist you with completing and delivering your application form to your HOA. We can provide them samples and documentation on your storm damage claim for faster approval. However, always first check with your HOA and often during this process.

DEDUCTIBLE PAYMENT

We collect your insurance deductible applied to your storm damage claim prior to the start of the work. We offer financing. One of the most popular promotions is 18 months with 0% APR on storm damage claim deductibles or we find a payment structure that fits your budget.

ROOF REPLACEMENT AND MATERIALS DELIVERY

On the majority of the roofing replacements, shingles are delivered the day before the installation unless the customer requests them to be delivered the same day.

Our dump trailers are delivered at the same time our roofing installers arrive, along with our project supervisor and project runner. We will need full access to your property and request you to remove the cars from your garage if you plan to use it on the roofing install day. We require no cars be left on your driveway. Dump trailer will be removed from your property when the job is completed.

At the end of your project, we will need to access your attic to clean the debris on your acres door, clean the sawdust on your furnace and water heater.

COLLECTION ON YOUR ACV PAYMENT

After the roof’s completion, the property walkthrough is done to make sure everything contracted is to your satisfaction. We will collect the first insurance payment called the actual cash value (ACV) Payment.

POWER WASH

In our pursuit of customer satisfaction, we provide a complimentary power wash of your driveway, sidewalk and patio areas. To our best ability, the removal of the mildew, dust and the tire marks on your driveway may be a challenge. Our goal is to leave your house and property better than we found it.

COLLECTION OF THE INSURANCE RECOVERABLE DEPRECIATION

At this point, we have completed the entire scope of work approved by your insurance carrier such as: interior repairs, gutters, windows and windows glazing beads, and windows screens. For the majority of storm damage claims, the insurance company pays the recoverable depreciation after everything has been reviewed, the work completed and the final invoice has been submitted.

PAYMENT RECEIPTS AND SHINGLE MANUFACTURERS WARRANTY REGISTRATION

The final payment receipt will reflect every payment you made to us. After your final payment is collected, we register the shingle manufacturer’s warranty. Two reasons we have to wait until the end is #1 the enhanced warranties have a price tag we have to pay and #2 we have to submit all your material distributors invoices to confirm the invoice matches your delivery address and name in order to register your warranty.

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Online roofing estimates

Why wait for a quote?

Don’t wait another day for other roofers to send you a quote. With us, you can get a free instant roofing estimate in less than 5 minutes. Moreover, don’t worry about annoying sales people putting pressure on you to make a same-day decision.

ROOFING Storm Damage Claims

HOW A ROOFING STORM DAMAGE CLAIM PAYMENT DISBURSEMENT WORKS

1st payment: your deductible – We offer roof financing options

Your storm damage claim deductible in an out-of-pocket expense. Texas HB2102 Section 27.2 Texas requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. Insurance companies will request reasonable proof of the deductible payment before releasing the final claim check to the policyholder. The new law makes it a Class B misdemeanor (punishable by a jail sentence of up to 180 days plus a $2000 fine) for contractors to pay, waive, absorb, rebate, credit, or otherwise decline to charge or collect the property owner deductible

2nd Payment: Your ACV (Actual Cash Value)

The first payment from your insurance on the storm damage claim is the ACV (Actual Cash Value) due after your roof is completed. This check may require mortgage endorsement so JC&C offers the service to express mail the check to your mortgage and return it to you. We share the USPS tracking number with you. Since the job is completed, JC&C will send the insurance company the final invoice, proof of your deductible payment, and photos of the completed work with or without supplements.

3rd Payment: Your RCV (Recoverable Depreciation a.k.a. Your Replacement Cost Value)

The final payment from your insurance on the storm claim is the RCV- Recoverable Depreciation. Sometimes the check issued will list the mortgage, and we will need to send it to the mortgage. Just let us know so we can proceed with mailing it with respective mortgage forms.

- Do not sign the check prior to sending it to your mortgage company unless they request it

- Manufacturer warranties will be registered after all payments have been submitted and payment receipts will be sent to them.

ROOFING Storm Damage Claims FAQ

QUESTIONS ON ROOFING STORM DAMAGE CLAIMS

Is Hail damage on your roof serious?

When we are talking about roofing storm damage claims, hail damage is VERY serious. Hail damage continue to spread and break down the components of the shingle. The hail strikes your roof shingles, they get bruised and granules are knocked off. This is the reason after a hail storm you always find granules on your downspouts splash pad. The Roof shingles are made of granules, fiberglass and asphalt which waterproofs your home. When these shingles loose granules that protect the asphalt from being directly exposed to the sun this causes them to disintegrate. The reason for the Leaks!

Most homeowners before filing a storm damage claim consult with a professional roofer on the intensity and size of the hail based on the type of roof shingles and their current roof condition.

If your roof has hail damage it is covered by homeowners’ insurance? Insurance companies try not to approve and pay out on hail damage claims.

On roofing storm damage claims, your insurance is entitled to repair or replace your roof. Depending on the severity of the hail damage and roof condition, your adjuster will determine if your roof needs to be repaired or replaced. For example if your roof is fairly new, most of the time they are looking for severe hail damage. If the roof is extremely old, the more susceptible and fragile it is to get cracked or bruised making it nonrepairable. One of the main reasons some insurance companies after 15 years only cover the roof under an ACV Cash Actual Value policy. In some cases, the damage is not big enough.

How does the insurance company pay for new roof replacements?

After the roof is damaged from a natural disaster; such as hail, wind, tornado, or hurricane, a homeowner must work through the insurance claim process in order to get their property back to its best working condition. At JC & C Roofing Company, we understand that navigating through claim paperwork, roof repair or roof replacement estimates can be an exhausting and sometimes confusing task. We’re here to help you have a transparent experience. We give you estimates from XACTIMATE a. software used by the insurance industry to calculate your claims.

Can Hail damage or wind damage cause roof leaks?

The response is absolutely yes! The majority of the homeowners aren’t even aware their roof has sustained hail damage or wind damage until they have roof leaks, finding pieces of missing shingles on their yard, or ceiling staining. The problem occurs when you let the roof damage go unchecked for so long. Sometimes a simple roof leak leads to mold remediation, sheetrock damage, wet insulation, buckling floors and furniture damage even causing extreme health issues resulting from mold due to water leaks. That’s the reason no matter what state you’re in and who your insurance company is, one of your duties as a policyholder is to give prompt notice to your insurance Company and prevent further damage.

CAN ROOF SHINGLE INSTALLATION MAKE A DIFFERENCE DURING A HAIL STORM OR WIND STORM?

Yes, yes, absolutely yes! Having a roof properly installed with hail impact resistant shingles in the key when the storm strikes. All these shingles are installed with 130 MPH Wind Coverage. We have Hail impact resistant shingle options rubberized to deflect and withstand the impact associated with hail and falling debris. Rubberization greatly enhances granule adhesion, a shingles first line of defense against impact.

*The statements on this page are personal interpretations and opinions from limited experience and legal advice provided to JC&C Roofing and/or JC&C Roofing’s clients and are not to be used as legal guidance. JC&C Roofing is not qualified or licensed to provide insurance advice, discuss claim information, act as a public adjuster or provide legal representation.

WHY CHOOSE US

CERTIFIED AND ACCREDITED ROOF INSTALLERS

JC&C Roofing Company is proud to deliver the best-in-class roof replacement systems. For every roof replacement or roof repair, our roof technicians have spent hundreds of hours training. That way when you hire us, we become your roofer forever.

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