Who can I trust?
The more you know about the contractor, the more you will be able to trust them. Try to make time to conduct a thorough interview with the companies that you are considering but also take time to research them. Even if you neighbor refers them, research the company online. Use at least 3 different sites to read reviews. NTRCA.com (North Texas Roofing Contractors Assoc.), Angie’s List, The Good Contractor’s List, and the Better Business Bureau (Dallas or Fort Worth) are among the best sources.
If my roof is denied, should I request a re-inspection?
If a qualified roofing contractor has inspected your roof and found damage, you may wish to request a re-inspection by your insurance company’s adjuster. It is a good idea to have your roofing contractor present during the re-inspection in order to point out the damage to the adjuster. In some cases, you may choose to hire a public adjuster to represent you. However, your roofing contractor can not serve as your public adjuster. This practice is now considered illegal.
How can I lower my insurance premium?
Insurance carriers in Texas will offer a discount on your premium each year when you install a Class 4 Impact Resistant Roof. This discount can range between 20% and 30% depending upon the county you live in.
How can I lower my energy costs?
There are several home improvements that can lower your electric bill. You may want to consider installing a radiant barrier. Spray-In radiant barriers will help reflect up to 75% of radiant heat while foil-types will reflect 97% of radiant heat. If your roof is being replaced, you may also consider installing a thermal barrier under the shingles. This also reflects 97% of radiant heat. In addition, ensure that your home’s ventilation is performing properly. Make sure that cool air is able to enter the attic and push both hot air and moisture out through the exhausts. Also, be careful not to over-ventilate. This will also cause problems
What questions should I ask the contractors?
See attached document “Common Concerns”
How do I stop all the solicitors at my door?
This is one of the most annoying parts of a hailstorm. Unfortunately, many companies get a lot of business because they knock on doors. Several contractors will encourage you to put their sign in your front yard and that it will help “call off the wolves”. Unfortunately, this usually just flags your neighborhood as a target for all other roofing sales people. Instead, consider using hand-written or typed note posted on your door asking contractors not to knock, and try not to feel rushed into hiring a company to help avoid the solicitations.
Can I choose 1 company to handle all my repairs?
Yes you can. Most homeowners prefer this method because it allows them to spend less time interviewing companies and overseeing the work of multiple companies. Using a general contractor who specializes in hail restoration will ensure that each trade is completed in a timely manner and that a traditional roofer is not outsourcing to a complete stranger. In addition, most insurance premiums include the option to hire and pay a general contractor when warranted so it should not cost you any extra money to utilize a general contractor if it is more convenient.
What is depreciation?
Depreciation is the portion of funds that the insurance company “holds back” until the work is complete. In most cases, it is only recoverable if the final invoice matches or exceeds the insurance estimate. It is also dependant upon the type of policy you have. If you have an Actual Cash Value (ACV) policy, the depreciation may not be recoverable. The amount of money “held back” is determined based upon the age of your damaged items. For example, if your shingles are warrantied for 20 years and have been on your roof for 10 years, the insurance adjuster can depreciate your material costs by 50%.
Can the roofer cover my deductible?
It is illegal for a roofer to cover your deductible and it is illegal for you to have a financial gain from your insurance claim. Try to avoid companies who say they will cover your deductible or put money in your pocket. They are simply cutting corners to bring their costs of material and labor down. Most companies offer legal rebates through advertising, referrals, military, senior citizen, student rebates, police and firemen funds, etc. These programs have been designed to assist homeowners in an ethical and legal manner. And remember, if it’s sounds too good to be true, it probably is.
Should I get 3 estimates or choose claims assistance?
It depends on who is paying for the replacement of your roof. If your insurance provider is helping you with the project, then it may suit you to find a contractor who specializes in claims assistance. However, be careful that your contractor is not acting as a public adjuster. If they attempt to “Represent” you it is illegal. When requesting estimates, try to level the playing field for all 3 companies so that your bids are a true apples-to-apples comparison. And remember, if you choose the lowest bid for an insurance claim, it will not save you money, but rather save your insurance company money.