Archive for the Claims Guide Category

April 2011 Storm Damages Metro Atlanta Homes

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , , , , , , , , , , , , , , on April 17, 2011 by HAPS

Another large group of storms hammered the Metro Atlanta area in April 2011 causing hail and wind damage to roofs in many areas.  Our inspectors have seen some significant hail damage in certain areas which confirm storm reports from local media.  This is the third big storm this year so the hail and wind damage claims business is picking up dramatically.

The April 2011 storm dropped hail up to 2.5 inches in certain areas with many homeowners reporting hail “covering their driveway”.   We are finding approvable damage in certain zones; and we are seeing an increase in hail and wind claims being approved in these zones.  If you would like to know if your home is in the hail area call 404-933-6610 or Click Here to fill out a reply form to set up an appointment with one of our claims reps to discuss your options.

Unfortunately, we are also seeing a lot of out of town roofers coming into town to work these storms.  We advise homeowners to be careful when deciding on using a roofer/claims services company to represent them during the storm.  While the out of state companies are adept at determining damage and getting claims approved….once the storms are done they leave town and the homeowner is stuck if they have a problem with their roof.  We see it ALL the time.

Since Roofing Claims are picking up we would like to take some time in this article to cover a few topics which we see every day, but the average homeowner has little knowledge of….

1. When we ask homeowners if they have had their roof checked (for free) to determine if they have suffered from hail damage to your home so many homeowners answer this question with the simple answer of “I don’t have leaks” :  Truthfully, hail doesn’t generally cause leaks at the time of the storm unless we see softball sized or broken windows.  Hail damage does cause a breakdown of the shingle which eventually allows water to pass through and damage your home.

If this is the case why do insurance companies pay for roof replacements if the hail damage doesn’t cause leaks.  The answer is actually simple.  If hail damages your shingles, you don’t have leaks now…but you will.  The insurance companies pay to replace the roof to prevent further damage to the interior of your home.  Waiting for leaks could add up to thousands if drywall, painting, mold, insulation, and/or furniture gets damaged. 

2. My neighbor got a new roof so I must have hail damage or wind damage:  Not true.  We see storm damage on one house and little damage on the neighbor’s home quite oftern.  Much is determined by many factors including age of the roof, tree cover, type of shingles, direction of storm, location of home, and obviously size of the hail.  The only way to determine if you have storm damage to your roof is to have it inspected by a company with EXPERIENCE in dealing with storm claims.

3. I was told by a roofer he/she could see that I have hail damage from a ground inspection.  This is crazy unless you live in Texas or Oklahoma where the hail is often big enough to go through the roof.  These roofers are saving time, playing the numbers game, and having you put a claim on file without regard to your relationship with your insurance company.  Don’t put in a claim without an inspection.  Call 404-933-6610 if you would like your roof inspected in the Metro Atlanta area.  We have built many roofs in areas such as Alpharetta, Acworth, Atlanta, Austell, Cumming, Dunwoody, Fairburn, Flowery Branch, Gainesville, John’s Creek, Lawrenceville, Lilburn, Marietta, McDonough, Roswell, Sandy Springs, Smyrna, Snellville, Sugar Hill, and Suwanee.  

4. My roofer guaranteed me I would get approved:  Nope, not true.  The insurance company approval is up to the adjuster, not the roofer.   While we know what should be approved, there is no guarantee.  Approval of hail damage for roof claims is totally subjective opinion based on the opinion of the adjuster; and I promise you…the opinions are all over the board.

5. I’ve been denied so I know I don’t have damage;  This one is tricky.  Because adjusters opinions are different you may have one say you have damage and another say you do.  Have you ever had different feelings/opinions on bad day vs good days?  Also, our experience shows that approval rates are much higher right after the storm vs. 1-2 years after the storm. 

6. I don’t need a company experienced in claims services to represent me.  I’ll do it on my own. – Go ahead, but understand you may have just decreased your chances of approval by 30-40%.  Rarely do we see a roof with damage on every shingle.   It’s easy to find no damage on a roof with a lot of damage.

7. All roofers are the same.  Not true.  We see some ugly stuff out there.  Scammers who take the money and run, partners who fight, companies who cut corners on materials or use inexperienced labor at cheap prices in order to give away deductibles, fly by night companies who don’t deal with complaints.

8. The cheapest price is the best deal:  This applies in just about any industry…You get what you pay for.  We’ve seen roofs with no felt, 2 nails per shingle, no flashing at the chimneys or walls, no starter shingles, inadequate ventilaton, no caulking at exposed nails (ridge cap) etc.  Don’t make this mistake.  The roof is one of the most important parts of your home.  Do it right.  After all, a good roof should last 20 years with no storm damage.  If you don’t believe us, talk to someone who has leaks.

9. I want my roof done without paying a deductible: See #8.  Also, see House Bill 423 regarding new legislation relating to this activity.

10. I’ve had my insurance for 20 years without putting in a claim.  This will help me get approved:  Not true.  The adjuster doesn’t look up how long you’ve had the policy.  They look up if you’ve put in a claim and if so, they look at the inspection results and pictures to see if your roof has been incurred more damage or if you made repairs from previous claim payments.

If you would like to know if your home has hail or wind damage call HAPS at 404-933-6610 or visit our company website at http://www.homeassetprotectionservices.com to arrange for a free inspection.  If we find damage, we’ll help you through the entire process.  If you don’t have damage, we’ll tell you you don’t.  If you need maintainence even if you don’t have damage, we’ll let you know. 

Your shingles are supposed to last 20-50 years, but other parts of your roof don’t.   In fact, we suggest roof maintainence every 2-3 years.  With this plan we change pipe boots (they rot), recaulk areas needed (caulk only holds up for a relatively short period of time, inspect flashing (it can move), and deal with rotten siding issues. 

We hope this article helps you understand a little more about our industry.  We hope you’ll call us at 404-933-6610 if you would like an inspection of your roof, if you have questions regarding your home, or if you have other home improvement projects where you are looking for someone you can trust for honest opinions, quality workmanship, and competitive pricing. 

Home Asset Protection Services, LLC (HAPS)                                                                                         Suwanee,GA  30024                            404-933-6610

March 26,2011 Hail and Wind Storms Damage Metro Atlanta area, hail claims expected to rise dramatically.

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , , , , , , , , , , on March 27, 2011 by HAPS

Severe thunderstorms pounded the Metro Atlanta area on Saturday causing major Hail and Wind Damage across the Metro Atlanta area. 

Early reports show hundreds of thousands of dollars of hail damage incurred to homes, vehicles, and other property throughout the area.  Hail up to 4″ in size will bring catastrophic insurance adjusters in town just to help keep up with the influx of insurance claims to be filed. 

Homeowners who have incurred damage will need to move quickly to avoid long waits for insurance adjusters to schedule appointments.  It can be an overwhelming process for someone with no experience in this area. 

At HAPS we have tremendous experience in this area.  We’ve helped homeowners get hundreds of thousands of dollars in claims approvals from hail and wind damage.  We have great relationships with the insurance companies, we have great relationships with our clients, and we have great expertise in making sure you are represented fairly.

There are many out of state companies who will rush into town,  push to get your claim filed, cause man made damage to try and cheat the insurance companies, take your checks and run, use work crews with little or no experience…and then leave town to never be found if you have problems with your roof in the future. 

We are locally based in Gwinnett County, we have climbed and inspected hundreds of roofs, we invest in high tech reports to verify when and where the hail storms hit your area, we know the difference between hail damage and blisters on your shingles, we are honest in our opinions of damage, we don’t ask you to file a claim unless you have at least a 60% chance of approval, we meet with the insurance companies to make sure YOU are represented fairly, we use experienced crews with decades of roofing experience, and we go over and beyond in our roofing process to make sure your roof will last.

If you would like an honest opinion on your roof call 404-933-6610 to schedule an appointment today or CLICK HERE to contact us.  One of our claims managers will meet with you and help you through the entire claims process.  Our experienced roof inspectors will assess your damage and advise you on your chances of approval.

If you suspect you may have incurred hail or wind damage from the March, 2011 severe thunderstorms in the Metro Atlanta area; you need to act fast.  Our experience has shown that the early claims get approved more often than the claims filed months after the storm since supervisors don’t have time to micro manage adjusters during the busy periods. 

Call 404-933-6610 ASAP to set an appointment today or visit our website at http://www.homeassetprotectionservices.com for more information.

Feb 2011 Storm hits Metro Atlanta

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , , , , , , , on February 28, 2011 by HAPS

The first big storm of 2011 hit the Metro Atlanta area today.  High winds up to 70 mph, large hail, and heavy rains crossed the Northern suburbs of Atlanta on Feb 28, 2011.  Trees have fallen across the area and early reports showed over 8000 power outages across the Metro Atlanta area.

Dollar amount of damage has not been determined, however, homeowners interested in determining if they have incurred damage to their homes need to have an experienced roofing company inspect their homes to determine if hail damage or storm damage have impacted their homes.

Call HAPS at 404-933-6610 asap to discuss your options and set up an appointment for an inspection.  If you have damage we recommend you file an insurance claim quickly to increase your odds of approval.  Our experience has shown that more claims get approved right after the storm.  Our belief is the adjusters and their managers are so busy processing claims that they don’t micro manage the adjuster reports as much as they do during the “slow” periods.

If you do have storm damage on your roof, it is crucial that you have an experienced claims services company represent you during the claim process.  HAPS helped homeowners receive approvals of over $800,000 in 2010 from insurance claims for hail damage & wind damage on their roofs, and water damage from leaks on the interior of their home.

We also advise you not to file a hail damage claim or storm damage claim if you haven’t had an inspection to determine if you have damage.  We know many roofing companies push to put in a roof claim as a “numbers game” hoping to get a small percentage approved.  That’s fine for them, but if you don’t have damage you have put in a hail damage or wind damage claim for nothing.

For every 100 roofs we get approved for storm damage we inspect about 500 roofs without putting in claims because we don’t find enough damage to put in a claim.  You don’t find that very often in this industry.

If you wonder if you have storm damage on your roof from the February 28, 2011 storm or other storms in the last 2 years; call us at 404-933-6610 to discuss your options.  We will represent you throughout the entire process.

Stay safe.

September, 2010 Hail & Wind Storms Cause Roof Damage in Metro Atlanta

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , , , , , , , , , , , , , on September 27, 2010 by HAPS

 

Roof Job in Progress

A rare summer hail storm hit the Metro Atlanta area in September, 2010.  Homeowners need to react quickly if you think you may have hail damage or wind damage to your roof.  Storm reports indicate hail hit in Smyrna, Sandy Springs, Dunwoody, Duluth, Sugar Hill, &  Newnan.  Additionally, high winds occurred across the metro area.

The only way to know if you have enough storm damage to file a claim with your insurance company is to have a professional inspect your roof.  Hail damage to your shingles is generally NOT visible from the ground.  If you have had hail storms in your area you should have your roof inspected quickly.

While insurance companies allow hail or wind claims within a 1 to 2 year period, the majority of the claims get approved during the first few months after the storm.

While not verified, it is believed more roof replacements get approved soon after the storm because the insurance companies managers are so busy processing claims that they don’t have time to micro manage the adjusters who decide whether the claim should be approved or not.

The adjusters are trained to make the call, but when their bosses are watching over them with a careful eye they are more careful in what they approve.  This is what happens long after the storms when less claims are being processed and the managers have more time to look over adjuster reports and overrule approvals.

Again, this is speculation; however, we see higher approval rates after each storm.

If you experienced hail or high winds from the September  2010 storm call Home Asset Protection Services at 404-933-6610 to arrange for a free inspection of your roof.  We are a full service roofing company who knows what to look for, knows how to file the claim, knows how to get your roof approved, and knows how to make sure you get proper compensation for your claim.  You can also contact us at CONTACT FORM

We do quality work on your roof, and we go over and above the claim scope of work to make sure your roof is built to last for years.

If you are interested in finding out if your home may qualify for a roof replacement paid for by your insurance company due to storm damage …. give us a call at 404-933-6610.

Don’t Sacrifice Quality on Your Roof

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , on May 25, 2010 by HAPS

We’ve had some great success representing homeowners in repairing and/or replacing their roofs during the past wave of storm damage claims.  We’ve done this by being thorough in our inspections, courteous and professional in our customer servcies, and most importantly, we go over and above to ensure your roof is secure and built to last.

We use the best quality products and we often upgrade to give you a better roof system.   You want your roofer to utilize better water protection with Ice and Water Shield, you need the the proper ventilation such as ridge vents, power vents, etc. based on the square footage of space.   You need at least 4 nails in every shingle and you need proper nailing on the edges.  The edges need to be cut properly.  Flashing and ice and water shield should be properly installed to protect areas susceptible for leaks.  Pipe boots need to be changed out and caulked properly.  All of these areas are VERY IMPORTANT when you are trying to protect your home for many years.

If you’re thinking of using our company you can be assured we do quality work.  We’ve got a long list of satisfied customers who will vouch for our company and the services we provide.

We’ve done small residential jobs and large commercial jobs.  Our goal is to build enough trust to be the first person you call in the future when you are considering a home repair or home improvement.  It’s how we run our business.  Treat the homeowner right and you’ll use us again.

We do interior and exterior painting, trim work, sheetrock work, wood repair, window and door repair,water remediation,  counter tops, bathrooms, kitchens, decks, screened in porches,  tile, flooring, plumbing issues, basement finishing, room additions.  By offering multiple services we can save you a lot of per trip charges each different company providing services.

If you would like to meet with one of our staff to discuss your repair or restoration need feel free to contact George at 404-933-6610.

Thank you for your consideration of Home Asset Protection Services.  We look forward to working with you in the future.

Why You Choose HAPS for your Hail Storm Damage Claim

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , , , , on April 8, 2010 by HAPS

Our company has experienced tremendous success this year in our hail claims services business, and I want to share some of the reasons people choose Home Asset Protection Services to represent them in their roofing claim.

Our claims managers are courteous & professional, and we are experts in the hail damage claims services.  Why?  Because we believe in helping people and we have a great system in place for improving approval rates for roofs which have experienced damage.  Also, we’re honest.  If we don’t believe your roof will get approved…it won’t.   If it’s a low percentage, we will tell you.  And if your chances are good…we will SHOW YOU PICTURES of your shingles so you can see for yourself.

We have met with adjusters from every insurance company and we understand what it takes to get approved.  We have great relationships with many of them as we see them on a regular basis…and we have a mutual respect for each other’s expertise.    Our experience has shown that having someone on the roof during your claim inspection improves your chances for approval by 70%.  Time and time again we’ve seen homeowner’s try it on their own and get denied.  You need someone with hundreds of adjuster appointments under their belt to: 1. Ensure your damage is pointed out to the adjuster and 2. Make sure you are properly compensated for the work which needs to be done.

As for building the roof…..we understand your concerns and we go over and beyond to make sure your job is done properly with the best materials available. We offer a no leak warranty on our workmanship so you better believe our focus is on replacing a roof which will last, look good, and not leak.

Our references are our most important asset.  We encourage our prospective homeowners to speak with our references because they “sell” our company better than we do.  Many were hesitant at first but they are always amazed when they receive the checks for thousands of dollars for their roof replacement.  It doesn’t stop there.  After they receive the 1st check they are always satisfied with the quality of our work.  When they see how we go over and above by using ice and water shield in the valleys, using extra nails, and adding proper ventilation as needed, they know they realize they made the right choice.

If you want to check us out….Call 404-933-6610 and talk to George.  He owns the company and he realizes you are making a 25-30 year decision.  He will be happy to answer any questions you may have about your claim.  You can also fill out a request form by CLICKING HERE; and someone will contact you within 24 hrs.

Also, so you’ll know, we do virtually ALL home improvements.  Our roofing customers use us and refer us to others for painting, drywall repair, wood rot repair, gutters and gutter guards, siding, decks, windows, tile, structural repair, etc., etc.

We don’t want a one time customer who will call us every 30 years they need a roof.  We want you be so satisfied with our quality and service that you call us for any home repair in the future.  It’s how we stay in business.

If you are considering having your roof checked out to see if you’ve had hail or wind damage, call us at 404-933-6610 for a FREE inspection.  If we find damage we’ll represent you through the entire process from pre inspection to adjuster apppointments to analyzing adjuster summaries to ordering materials to finishing the job and helping you secure ALL due monies from your insurance claim.

Have a great day!!!

March 2010 Roof with Charcoal Black Architectural Shingles

New Roof: GAF Charcoal Black Architectural Shingles

Another Brick Home with Architectural Shingles

More GAF charcoal Architectural Shingles

Free Hail Damage Pre Inspection

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , on January 12, 2010 by HAPS

How do you know if you have hail damage on your roof?  Most homeowners don’t climb on their roofs to see if damage has occured, nor do we recommend you do so.

You need a thorough pre inspection by a qualified roofer who has experience in this area.

Our team of professionals do thorough pre inspections before we advise you to file a hail damage claim with your insurance company.  During our inspection we climb on your roof, we take pictures of your vents and shingles, and we count the hail “dings” in a 10′ x 10′ test square just like the adjusters will do if a claim is filed.

When we are done with the inspection, we show you the pictures so you can have visual evidence of your roof before you decide to file a hail damage claim with your insurance company.

Damaged Turtle Vent

Hail Damaged Shingle

After we show you the pictures we assist you in the remainder of the claims process.  We help you file the claim, we explain the entire claims process to you, we meet with the insurance adjuster during their inspection to represent YOU,  we make sure the measurements and compensation are correct, we explain the adjuster summary to you, we assist you in getting your full claim amount, we install your roof in a timely manner, and we assist you in recovering any final payments due from the insurance company, and we warranty our workmanship for 5 years.

Handling this yourself can be overwhelming if you don’t have experience in this area.  Home Asset Protection Services will make the process easy for you.

So if you’re interested in finding out if your home may qualify for a roof replacement due to Hail Damage, call 404-93-6610 to arrange for a FREE pre inspection of your home.

We look forward to representing you.