Arizona Roofer

Your Roofing Questions Answered

Insurance Scope Writing

September 19th, 2016

Sometimes acts of nature can be devastating to our property that’s why most of us protect ourselves with Homeowners insurance. Lets say a storm runs through your neighborhood with strong winds, rain and maybe even hail. What is the first thing you should do? You should call your roofer to come out and inspect your roof to check for damage, he should be able to tell you if the damage is great enough for you to file an insurance claim. If you determine that you should file a claim it is advisable to  have your roofer present when the insurance adjuster comes out they can sometimes catch things the adjuster might miss. This can also be a disadvantage if your roofer is of the aggressive  kind (you roofers know who you are). Your roofer should never interfere with the insurance adjuster’s job at hand and is just there to answer questions the adjuster might have.

Every insurance company has criteria that must be meet when adjusting a claim this is where it is beneficial to have those larger insurance company’s as some insurance company’s can use loop holes to not pay claims.

Documentation is everything in the insurance world you have to have proof of a loss you just cannot say there’s damage and expect to have the loss covered.

As outlined here this is a typical Shingle roof adjustment procedure for a hail claim.

  1. Photograph the front of the property this is so the correct address can be verified.

    Front of House

    Front of House

  2. Measure the eves
    eve measurment

    eve measurement

     

  3. Haag Gauge which measures the shingle.
    haag guage

    Haag Gauge

     

     

     

  4. Check for the number of layers of roofing.
    Layers of roofing

    Layers of roofing

     

  5. Check for damage on soft metals. If there is soft metal damage that usually means shingle damage. As you can see in the picture below there are lots of hail dents in both the awning and the tie-in metal
    Check soft metals

    Check soft metals

     

  6. Create a test square this is a 10 X 10 area. You would then look for hail hits circle them with contrasting chalk then photograph them. Most insurance company’s require at least 10 hits within the test square to total the roof some require more some require less.
    test square

    Test Square

     

  7. As you can see in the picture below there was no damage found
    No damage Test Square

    No damage Test Square

    This house was kind of unique in the fact I did find hail damage on the soft metals but none on the shingles this is because this roof was replaced only month prior from a previous hail storm but the awning was not. There however was new hail damage on some of the new soft metals from hail but was only a couple and  not enough to amount to any kind of measurable loss. This is just a basic overview the adjust would also include siding, pool decking, garage doors, sheds, A/C units, and gutters to name a few.

 

 

 

HAIL DAMAGE! DON’T HIRE ANY CONTRACTOR UNTIL

November 19th, 2010

HAIL DAMAGE! DON’T HIRE ANY CONTRACTOR UNTIL YOU HAVE READ

THIS POST.

There are roofers from just about every state in Arizona right now taking advantage of the Hail Storm. Some of them are just trying to make a buck and have landed jobs with reputable contractors. And then there are those who are what we call “storm chasers” and they will do whatever it takes to get your insurance check. They come here and use local contractors licences to install new roofs they pay the local contractor a fee for the use of their licence. And then give you the homeowner a new roof. So whats the big deal you say.

#1 Your probably not getting the best value for your money.

#2 Some of them are cutting corners and will be long gone by the time you find out and you’ll be left with the bill.

#3  Some of them are not  paying any taxes that are used in your community, so most of that money is leaving Arizona.

#4 Some of them Are just plain out not roofers!

The list can go on and on. Don’t be a victim let the ArizonaRoofer recommend a trusted local licensed roofing contractor please contact us  .The ArizonaRoofer is the homeowners information source we are always on the homeowners side. We don’t play favorites, we play who can best serve you for your roofing needs.