Archive for hail claim atlanta

Roofing Atlanta: Why Quality is so Important (pros & cons)

Posted in Claims Guide, Home Improvement, Roofing Articles with tags , , , , , , , , , , , , , , , on March 14, 2012 by HAPS

In our line of work we see it all….and I promise you there is a big difference in quality vs. price in the roofing industry.

Common mistakes we see include:

  • Poor attention in valleys:  In the valleys you need extra protection other than shingles & felt.  We suggest (and always use) ice & water shield in the valleys.  This is an asphalt based material with an adhesive backing which sticks to the decking.  This prevents water from penetrating the valley.  Some use valley metal which is long lasting.  The only issue is it does allow water penetration at the edges because it is nailed down instead of stuck to the decking.
  • Nailing issues:  We often see common mistakes when nailing. 1. Not enough nails (we use 5 minimum per shingle) 2. High Nailing: this is where roofing crews nail the shingles too close to the top of the shingles. Picture shingles which have come loose in sections and fallen off the roof.  3. Low nailing: Nails applied below the lower row of shingles will cause a leak sooner or later.  4. Nail pops: This is where nails are sticking up and eventually poke through the shingle.  This can occur if crews don’t remove nails from previous roof or if nail gun pressure is set too low during application.  Short nails: this mostly pertains to the thicker shingles such as architectural shingles where the nail doesn’t penetrate the shingle, felt underlayment, and wood decking.
  • Flat areas: This is a big problem.  Flat roof sections don’t have enough pitch to channel water downhill so basic asphalt shingles and felt don’t do the job.  You either need entire area covered with Ice & Water shield with shingles or, better yet, use a 2 piece flat roof system which includes a smooth base sheet covered by an asphalt granular cap sheet. (See pics below).
  • Flashing: This is the metal material used to channel water where the roof meets walls or chimneys.  We do leak repair on many roofs and flashing issues are the problem most often…especially on brick chimneys.
  • Poor ventilation: Proper ventilation is necesary to allow your roof (and attic) to “breathe”.  This prevents shingles blisters, it keeps the attic cooler, and it is necessary to maintain your shingle manufacturers warranty.  Proper roof ventilation can be ridge vent, power vents, and/or turtle vents (square “boxes”).  The proper ventilation has to be determined on a case by case basis depending on the type of roof you have and the square footage which needs to be ventilated.  We see 4′ of ridge vent on a tiny peak installed to ventilate  1200 SF of space.
  • Poor Preparation & Cleanup:  It is best to put tarps out in the areas surrounding structure to prevent unecessary damage to yard, driveways, plants, etc.  While it is almost impossible to take 1000 lbs + off a roof without some minor damage to plants, etc. proper prep will minimize issues.  Also, it is wise to move outdoor furniture, potted plants, etc before work begins.  Finally, advise roofing company supervisor of delicate areas such as tomatoe plants where you would like debris kept away as much as possible.  Cleanup is self explanatory.  If they don’t pick up the nails and debris you will not be happy.
  • Poor Project Management:  many companies use crews they barely know and there is no one to oversee that the work is being done properly.  They choose cheap labor to make more money, and the owner or project manager doesn’t take the time to ensure “danger zones” are taken care of.  I know of several BIG companies who use cheap, unkwown crews…..and the owner’s rarely ever go to a job site.  FYI, advertising doesn’t make a company great…..quality work and strong customer service works.

I hate to say it but we see alot of the above when we are reroofing homes in the Metro Atlanta area.

One way to determine if a roofing company knows what they’re doing is to ask if they do leak repairs.  If they say no run like the wind.  Many won’t perform leak repairs because they are afraid they can’t diagnose and correct the problem.  If they won’t offer to repair the leak, but instead ask you to file a claim for a new roof you should probably be cautions.

I’m not happy writing this post, but I feel compelled in order to educate homeowners on this industry.  We have lost jobs where we KNOW problems will occur as competitor pricing is below proper material and labor cost.  Roof replacement is not something you want to cut corners on.  Leaks can damage ceilings, walls, flooring, furniture, and lead to mold issues.

Our company Home Asset Protection Services does it right.  We ALWAYS use ice and water shield in valleys, at flashing, and around vents and exhausts, we ALWAYS use 5 nails minimum per shingles, we ALWAYS use proper ventilation, we ALWAYS use correct flashing techniques, and we ALWAYS guarantee our work.

See pictures below from a recent project where specific expertise was required and additional services were provided to make the client extremely pleased they chose HAPS as their roofer.

If you have leaks or if you are considering having your roof inspected or replaced call us at 404-933-6610 or CLICK HERE to fill out a form for a FREE estimate/inspection.  We will provide photos and an accurate description of the condition of your roof.  If you have storm damage we will advise you and assist you accordingly.  If you have issues such as those listed above we will advise you and make the corrections.  If you just need a maintenance package to get your roof in good condition we will advise you of these options as well.

We also provide detailed reports for bank or insurance companies who request a roof inspection report before they will refinance or insure your home.  If you need a roof inspection report call 404-933-6610 or CONTACT US to discuss.

Please understand, every roof is not an insurance claim.  Some just need repairs and/or TLC.

When deciding on your roofing company check references, ask questions about items listed above, and don’t base your decision on price alone.

Roofing Done Right !

Pictures of a recent project completed in Dunwoody.  First picture is the completed job DONE RIGHT!   Second picture shows where we installed additional downspout which takes water fromt the top roof to the bottom roof gutter.  Picture 3 shows the damaged decking which was caused by the previous gutter system.  We changed out the decking and added additional gutter and downspout in the open area.  Picture 4 shows properly installed ridge vent which gave the roof proper ventilation to maintain manufacturer’s lifetime shingle warranty.

Click Here for a FREE inspection.
 

 

Respectfully,

George Hearn

President

Home Asset Protection Services

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

Were you denied on your roof claim?

Posted in Atlanta Hail Damage Information with tags , , , , , , on November 2, 2010 by HAPS

This year was a very busy year for roofing contractors throughout the Metro Atlanta area.  Many homeowners had their roofs replaced due to the hail and wind storms which occurred from Spring of 2009 through the Spring of 2011.  We’ve also seen a large percentage of homeowners who have been denied on their claims.  If you are one of these people, you are not alone.  It doesn’t seem fair that your neighbors all got a new roof and you didn’t.  We see it EVERY day.

The bottom line is, each claim is treated as an individual case by the insurance company regardless of what happened at your neighbor’s house.  Each adjuster has the right to approve or deny a claim, and each adjuster is different.  We’ve seen houses get denied which are in much worse shape than houses we’ve seen approved.  It’s totally subjective.

What can you do?  The answer is simple.  Protect your home now, and if possible, wait for the next storm. Why protect your home now?

If your roof is 5 years old we highly suggest you have maintenance done to your roof to “hold you over” until you need to replace your roof.  When your roof is built you generally have rubber pipe jacks around your plumbing pipes.  These sleeves dry rot after a few years, and they are a major cause of leaks.  Additionally, caulking is applied on any exposed nails and around areas where leaks are most likely to occur when the roof is built.  This caulk does not last for the life of your roof; and it needs to be redone every 2 or 3 years.

Roof Decking Damage from Leaks

We highly suggest you have your roof maintained by a company who knows how to properly maintain your roof to prevent major damage from occurring.  Home Asset Protection Services is that company.

We have several packages available to you.  We can replace all pipe jacks, caulk around all vents, fix flashing around chimneys and walls, and replace cracked or missing shingles where needed…..all for a very minimal cost.

While we know you’re disappointed that your roof didn’t get approved for replacement, we would like to help you maintain your roof until the next storm arrives.  If you need to replace your roof, we go over and above to ensure your roof will be installed properly, efficiently, affordable, and built to last.

As an extra bonus, during our maintenance work we will inspect your roof and let you know approximately how much “life” is left in your roof; and we will inspect your roof to determine if you should file a claim now or wait until the next storm.

Call 404-933-6610 if you live in the Metro Atlanta area to have one of our specialists discuss your options for maintaining your roof or visit our Homepage to fill out a form with your information and requests.

Of course….if another storm hits your area, call us and we’ll perform a free inspection to determine if you have enough storm damage to file a claim with your insurance company.  We’ll be honest.  Insurance claims are not a numbers game.  We don’t suggest you file unless you have damage.  We’ve been through hundreds of adjuster inspections so we know what they look for, we know what they approve, and we know the best practices of helping you get approved when you deserve it.  We do suggest that you never have an adjuster inspect your roof without an experienced roofing company to represent you during the inspection.  It improves your chances of approval dramatically.

Call us at 404-933-6610 if you would like to discuss your options for protecting your roof.  We put Honesty and Courtesy first!

HAIL CLAIMS and Collateral Damage?

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , , on December 8, 2009 by HAPS

This vent was damaged by hail.

When you file a hail damage claim an adjuster will make an appointment to inspect your home to determine how much damage you’ve incurred on your home or business.

During the hail claim inspection the first thing the adjuster will look for is collateral damage.  Collateral damage is damage to parts of the roof/home other than the shingles.    Examples of collateral damaged areas could be exhaust vents (see picture), power vents, gutters, air conditioning units, window screens, siding, etc.

Quite often your roof vents will be the first sign of hail damage because many of these vents are made of soft metal such as aluminum.   These items will damage much easier than the actual shingles which protect your roof.

Based on our experience… if you don’t have collateral damage on any of your vents, you can generally expect that your claim will be denied.

Collateral damage is just one sign of hail damage.  If you suspect your home could have suffered from the Atlanta area Hail storms of 2009, 2010, or 2011 contact one of our representatives as soon as possible to arrange for a free inspection of your roof.  CLICK HERE to fill out a request form and we’ll contact you within 24 hrs.   Our representatives don’t “eyeball” your roof, we actually climb up on your roof and carefully pre inspect your roof to determine if we believe you have enough hail damage to warrant filing a claim with your insurance company.

If we don’t find damage, we will tell you just that.  Many companies try to get you to file a claim whether you have damage or not in hopes that a percentage of their contracts will be approved by the adjuster.  They see this as a numbers game.  At Home Asset Protection Services, LLC we don’t see one of your most important assets as a game.  If you file a claim with our company as your representative we will meet with the adjuster to show the results of our inspection.  We don’t want to waste your time, their time, or our time if you don’t have hail damage. We also don’t want to have to come to your house a 2nd or 3rd time to meet with the adjuster if we don’t believe you have damage.   If we do see damage, however, we will fight for you to protect your rights as a homeowner….period.

Call 404-933-6610 if you would like to speak with one of our professional representatives to discuss your options as a homeowner in the Atlanta area who may have been impacted by the hailstorms in February, March, or April of 2009, 2010, and/or 2011.