Navigating the Waters

Filing a homeowner’s insurance claim can be a daunting process. Getting the lowest bid and just going with it can lead to a lot of trouble down the road – issues from code compliance to inferior work and warranties are common with ‘storm chasers’.

In an article published in the Huffington Post October 31 of 2012, Alex Veiga wrote, “knowing what your insurance policy covers and what it doesn't is essential to getting through the claims process quicker. You don't want to have to rely only on what claims adjusters tell you, especially as they go through the process of evaluating how much of a payout you're going to get…get a second or even third opinion on the cost of repairs from independent contractors”1.

While Veiga also wrote that “homeowners should call their insurer quickly and get the claims process rolling, regardless of how much damage their home has sustained”, Jennifer Waters of Dow Jones’ Market Watch writes in an article published October 20 of 2013 that you should “make sure you’re covered for the claim”​2. In between those pieces of sage advice is where we come in.

When a storm happens, call a qualified, licensed professional contractor, like Armor, LLC, to come inspect your property in order to see if there is enough damage to file a claim, and if filing that claim is going to be worth it. If you’ve only suffered three or four thousand dollars’ worth of damage, it may be prudent to pay for the repairs yourself and see what kind of payment plans you can work out with your contractor. However, if there has been significant damage to your property that is exactly what your insurance policy is there for – to protect you from loss of value in your investment. Armor, LLC offers many financing options to accommodate our clients.

Storm Damage

Storm damage isn’t always immediately visible from the ground, especially hail damage. The best way to determine if you have damage to your roof is to consult a professional. Armor, LLC offers free roof inspections and utilizes not only the same detection methods as the insurance adjusters, but
even the same software for estimating the damage to your home.

Hail damage can cause unsightly dents in metal roofing and crack cement tile, leaving holes where water can penetrate into the roof deck. Hail can crack PVC roofing, allowing water to penetrate and soak into the insulation where it can begin to rot away the underlying roof deck. Asphalt shingles are by far the most severely affected by hail stones.

All those little granules on shingles are actually carefully engineered to protect the asphalt mat of the shingle from UV exposure and to shed heat properly, as well as prevent formation of algae. When these granules are knocked off of the shingle, it is exposed to the rays of the sun and ages much quicker than it should. These areas dry, crack, and let moisture into the roof deck where it becomes trapped under the shingles and causes damage to the roof deck. For this reason, hail damage voids all manufacturers' and installers' warranties.

Choosing the Right Contractor

Most insurance companies have a statute of limitations on how long after a storm you have to file a claim. The two biggest mistakes one can make are to ignore the damage and assume everything is fine, and to go with a company that doesn’t negotiate with the insurance adjuster to ensure local code

Either one of these situations can leave you with a several thousand dollar repair bill and a roof that insurance won’t cover. You don’t have to replace your roof immediately, but keep in mind that there is a time limit. If you’re unsure, ask your insurance company what that statute of limitations is and use that time to find a local contractor that will not just do the work, but will work for you to make sure you get the most out of your claim. Call us today and find out what Armor can do for you.

Armor, LLC

Roofing and Home Improvement

Insurance Claims