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Insurance Claim

ROOFING INSURANCE CLAIM

RESIDENTIAL ROOF INSURANCE CLAIMS

If you own a home, a typical roof replacement from wind or hail damage could be really expansive, unless you understand the insurance claim process in advance. After being struck by wind or hail, homeowners often feel overwhelmed.

HAIL DAMAGE?

When analyzing a roof for hail damage, it is important to differentiate between damage caused by hail and damage caused by natural weathering.

WARNING SIGNS OF ROOF ISSUES

There are three main signs that indicate a hail damaged roof, which includes missing granules, bruising and circular cracking. With a basic understanding of each, it will help you to accurately identify hail damage and its severity.

1 MISSING GRANULES

Check for missing granules that have exposed the substrate, or black layer underneath them. The substrate exposed should look fresh, or not as if it has been exposed to the sun for an extended period of time. This will indicate new hail damage as opposed to anything pre-existing.

2 Bruising

Run your hand over an individual shingle and feel for dimples or indentations in it. These are an indication of hail hits. Press your thumb against the indentation and examine it for a soft, spongy feel, like a bruised tomato. This bruising may be hidden but will cause the shingle to fail prematurely over time.

3 circular cRACKING

When big enough, hailstones can cause circular cracking around the hit itself in a half-moon or full circle shape. This sort of cracking indicates larger hail and a shingle that has been damaged through to the fiberglass matting, which can make it highly susceptible to water penetration.

MANAGING YOUR INSURANCE CLAIM
CONTACT YOUR INSURANCE COMPANY

Starting your claim is the first step to restoring your home to its former glory. Your insurance company will provide you with a claim number and give you an idea of when your home will be evaluated for damages.

COMPLETE EMERGENCY REPAIRS

When starting your claim, you should immediately let your insurance company know if there have been any damages that may result in your home leaking. They will advise you on who will complete these repairs in a timely fashion.

CONFIRM DAMAGES WITH ADJUSTER

Once your adjuster has attended your home, they will provide you with an estimate for the cost of repairs to your home. Once your adjuster has attended your home, they will provide you with an estimate for the cost of repairs to your home.

SECURE CONTRACTOR

Many insurance companies offer additional warranties when a “Preferred Contractor” completes your repairs. This also helps to ensure that you are protected through adequate liability insurance and up-to-date WCB on contractor employees.

CONFIRM ESTIMATE

All estimates should be double-checked and confirmed by an experienced professional. Ensuring that all necessary damages are being covered appropriately is essential to restoring your property with care and craftsmanship.

SIGN & COMPLETE

Finally, written authorization is required to complete any repairs. This is paired with selecting any new products and colours for the design of your home repairs. Finally, written authorization is required to complete any repairs.

MOST COMMONLY ASKED QUESTIONS REGARDING INSURANCE CLAIMS.
Roof installation is very labor intensive. Depending on the type of roof, the average time is anywhere between days to weeks. Also please be aware that this time frame can be substantially affected by the weather. Depending on the type of roof, the average time is anywhere between days to weeks.
How long should a roof last?
What is the difference between fiberglass shingles and organic shingle?

Why ventilate the attic?

What causes the formation of algae? Is it harmful to my roof?