Archive for hail damage atlanta

2015 Hail Damage in Atlanta area

Posted in Atlanta Hail Damage Information, Claims Guide, Roofing Articles with tags , , , , , , , , , , , , , on April 22, 2015 by HAPS

Is this hail, a blister, tree damage, mechanical damage, or vandalism?

Okay, we had the first storm of the season where hail damage occurred on the Northern side of Atlanta.  If you live in a line from Marietta to Roswell to Johns Creek to Suwanee and surrounding areas you probably had hail fall near your home.

You may or may not have damage.  If you’ve lived in the area for 5 years you’ve probably been through this before. Either you chose not to pursue or you were denied on your claim.  Call us at 404-933-6610 if you suspect your home sustained storm damage and we’ll be honest in explaining the process and evaluating your situation..

HERE come the STORMCHASERS!

We’ve been doing this awhile.  When a hailstorm hits a town the companies ramp up the sales teams and the out of state companies move into town to offer claims services to homeowners.

Only word of caution here is…they generally do a good job getting your roof approved & handling the paperwork. They offer special deals, they make sure the job gets done, and you get a new roof.  Here lies the concern/Problem Many leave town after the claims die down and move on to the next “hot” area.  What do you do if you have an issue with your roof 6 months or a year from now?  Good luck with that.

We’ve been around this block before.  During the past 2 years hail damage claims have been few and far between in the Cobb, Fulton, and Gwinnett County area.  Many companies folded or moved on.  We’e hung around and have been doing leak repairs and roof replacements for out of pocket customers to “weather the storm” of few claims.  If a company specializes in leak repairs they generally know the roofing business…not just the claims business.

Unfortunately for homeowners alot of the repair work we’ve done over the past couple of years has been from poor installation from the big hail storms in 2009 and 2011 because the homeowner couldn’t reach the company who did the original work.  Note: this is not all companies, but there are a good number who are no longer around.

We’ve got plenty of experience dealing with insurance claims, we’ve got plenty of experience helping you get fair compensation for your roof (if approved) and we’re local so you can find us in the future if 1. You by some chance have an issue or 2 If you need other home repair services.

You WILL have plenty of “door knockers” and phone calls about getting a “free” roof.  Legally, you can potentially get a new roof paid for….but you do have to pay the deductible.

If it sounds too good to be true….trust your gut.

You are welcome to call HAPS at 404-933-6610 if you have any questions or if you would like for a LOCAL company who’s NEVER had a BBB complaint in 6 years.

In closing, these roof sales guys work hard canvasing neighborhoods so hopefully you will show them courtesy while kindly looking for an experienced local company with a proven track record.

2014 Roofing Services in Atlanta Georgia Area

Posted in Claims Guide, Roofing Articles with tags , , , , on March 3, 2014 by HAPS

Getting ready for storm season.  Generally Hail Storms occur in the Spring of the year.  When hail or wind storms occur…it’s very important that you have your home checked for Hail Damage within a short period of time after the actual hail storm date.  Why?  Because Insurance companies are generally more likely to approve roofing claims for hail damage right after the storm.

At HAPs we’ve got years of experience in determining if damage has occurred and we have years of experience dealing with the insurance adjusters who inspect your roof for hail damage or wind damage to determine if your claim should be approved for roof replacement.

It is totally up to the insurance company, however, our experience in roofing claims, roofing construction, and roofing repair is a valuable tool for helping you get approved for your roofing claim.   Why?  Because you have someone on the roof during the adjuster appointment to help show the adjuster where the hail damage occurred.  

If you have leaks or if you believe you may have damage to your roof, call Geovani Reyes at 770-906-1356 to arrange for an inspection of your roof.  If hail damage or wind damage is not present, we can give you an estimate for repairs which need to be done to stop the leak.

Be proactive with your roof.  A leaking roof can lead to much larger problems if you don’t take care of your roof.  If you need roofing services in the Atlanta, Georgia area, call us today.

 

Large Hail Causes Damage Across Metro Atlanta Area March 2013

Posted in Atlanta Hail Damage Information, Claims Guide, Roofing Articles with tags , , , , , on March 18, 2013 by HAPS

Huge hail dropped on the Metro Atlanta area this week causing widespread hail damage across town.  Hail as large as 2.75″ dropped from the sky breaking windshields and causing damage to roofs. 

Numerous reports have shown storm damage has occured from hail in many areas including Stockbridge, Riverdale, Douglassville, McDonough, Newnan.  Not only did hail hit the newsworthy areas, we also have confirmed reports of hail in many cities across the Metro Atlanta area.

Any hailstorms which produce hail over 1″ in diameter can cause damage to roofs. 

We fully  expect the out of town storm chasers to rush into town in the next few days.  What does this mean to you, the homeowner?  First, you are in an area where insurance companies expect to pay for roof replacement.  That’s why the storm chasers come into town.  They know the percentages of approval of roof claims will be high for the next 6 months. 

Here’s the problem you don’t understand.  They will help you file the claim and they’ll help you get your roof claim approved.  Those are the good things.  The downside is…. the out of town roofing companies will use roofing crews they don’t know and don’t oversee.  Then in 1-2 years when you have a problem because of poor installation…. they will be gone.

Home Asset Protection Services, LLC is a local Metro Atlanta based company located in Suwanee, GA.  We have years of experience in the hail damage claims industry, we know the adjusters, we know the area, and we have references all over the Metro Atlanta area who had their roofs replaced from a hail damage or wind damage claim.

If you are interested in fair representation from an honest company call George at 404-933-6610, Geovani at 770-906-1356, or Louis at 678-886-9600; or fill out a free inspection request form at CLICK HERE.  We’ll arrange for a free inspection to determine if you have enough hail damage to warrant filing a claim, and we’ll assist you through the entire claims process from filing the claim to building the roof to dealing with the insurance companies.

Don’t make the mistake of dealing with a storm chaser from out of town.  Otherwise, you might end up like the many homeowners who have utilized our leak repair division to clean up the mess left behind from sub par installation.

Don’t wait until it’s too late.  There are keys to success when dealing with hail damage claims and the insurance companies.  Contact http://www.HapsAtlanta.com today.  

PS. For those of you who want to do your homework, feel free to read through this blog for more information on hail damage, roofing claims, and how the insurance process works when dealing with storm damage claims and insurance adjusters.

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.

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.

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.

I’ve been denied on my Hail Damage Claim?

Posted in Claims Guide with tags , , , , on January 3, 2010 by HAPS

See 2011 Update at end of article)

Many homeowners have seen most of their neighbors get new roofs from the hail storms in Atlanta of 2008-2011 only to be denied by their insurance company.  We see it quite often.

How does this happen?  Because the opinion of whether your home has damage or not is up to the adjuster who inspects your home.  It’s a subjective opinion based on what the adjuster believes is adequate damage to pay for your roof to be replaced.

Each insurance company has a requirement for the amount of hail “dings” they require in a 10′ x 10′ section of your roof (called a square).  Requirements vary from 6 “dings” up to 16″ dings per square.  We know what insurance companies require, so feel free to contact us at 404-933-6610 if you are interested in knowing the requirements of your insurance company.

We’ve run across many homeowners who have been denied once, twice, or in some cases…three times by adjusters who have inspected their roofs.  It’s often legitimate to complain when everyone but you got a new roof.,,sometimes it’s not.

There was a good article in the AJC about homeowners who have complained about their insurer treating them unfairly during their claim.  CLICK HERE to read the article.  It also gives information about filing a complaint with the State Insurance commission.  We won’t name names, but we have a good idea who gets the most complaints based on our dealings with the insurance companies.

If you haven’t had your home inspected and you haven’t put in a claim, we strongly suggest you have representation throughout the process.  First, you need a thorough pre inspection to determine if you have enough damage to put in a claim.  Next, you NEED someone to get up on the roof with the adjuster to make sure you are fairly represented during the inspection.  Finally, if approved, you need someone with experience to make sure you have been compensated fairly for your Hail Damage claim.

Home Asset Protection Services offers all of these services, and our pre inspection and adjuster meetings are FREE of charge.  If we do a pre inspection and find damage we are more than happy to represent you during the adjuster inspection to help you get your claim approved.  If we don’t find damage, we don’t want to waste time on a roof that will not get approved.  This keeps you from putting in a claim if you don’t need to, and it increases your chances for approval.

Also, during our pre inspection we take pictures to show you the damage we find.  This helps you make the decision to move forward and file the claim when you see that damage did occur from the recent Hail Storms in the Metro Atlanta area.

If you are interested in finding out if your roof may qualify for replacement from hail damage, call at 404-933-6610 or us or CLICK HERE to set up a consultation or pre inspection appointment.  Don’t delay as time could be running out to file a claim from these storms.

If you’ve been denied on your claim, we’ll check out your roof and give an honest opinion.  If we find damage, we’ll represent if you decide to have an aduster come out for a second inspection.  Sometimes persistence pays off.  It could be worth thousands of dollars to you.

UPDATE (May 2011):  In early 2011 a few storms hit the Metro Atlanta area.  We’re seeing approval rates skyrocket due to the recent storms.  If you were denied in the past year this is the best time to revisit a roof inspection to see if you can get approved (if you have damage).  Historically, approval rates are very high right after the storm.  We be glad to discuss why if you give us a call.  Now is the time to have your roof inspected!!! Call George at 404-933-6610 to discuss your options.

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.

Do I have Hail Damage on My Roof?

Posted in Atlanta Hail Damage Information with tags , , , on December 1, 2009 by HAPS

This is a great question if you live in the Metro Atlanta area.  Thousands of homes in the Metro Atlanta area did receive hail damage to their roofs during the storms of 2009.

So how do you know if you have damage.  It’s really an easy question to answer.  You are able to get your home inspected for FREE from our company, Home Asset Protection Services, LLC (HAPS) by calling 404-933-6610  to schedule for a free inspection (if you live in an area impacted by the storms).

We deal with the insurance companies and adjusters on a daily basis.  We know what the adjusters are looking for so we give honest advice as to your potential for getting a hail damage claim approved.

We pre inspect the homes so you don’t have to file a claim UNLESS you have a a chance of getting your claim approved.  Our company does not believe in having homeowners put in claims if the chances for approval are low.  Why?  Because we not only preinspect your home, we also meet with the adjuster to represent YOU if we believe you have enough damage to warrant approval.

We won’t advise you to put in a claim if you don’t have a chance  because we don’t want to waste our time meeting adjusters for homes which don’t have damage.  More importantly, we don’t want you to put a claim on record if we don’t believe it’s necessary.

Many “storm chasers” believe they should get as many claims filed as possible in hopes of getting a small percentage approved.   It’s a numbers game to them…often at your expense.  We don’t approve of these methods at Home Asset Protection Services.  Our approval rate is very high because we do thorough inspections, we know what each insurance company needs for approval, and we have built a reputation with the insurance companies as a company who knows what we’re doing.

Can you do it yourself?  The easy answer is yes, but the correct answer is no.  Do you know the difference between hail damage and mechanical damage?  Do you know the difference between old hail and new hail damage?  Do you know how much damage is needed for approval?  Most homeowners can’t answer yes to these questions.

Our advice is to be smart about your decision to file a hail damage claim.  Why not get a FREE INPECTION if you have nothing to lose?  At the very least you’ll know if your roof survived the storms.  And if you potentially have damage, we’ll assist you from start to finish.

Call Home Asset Protection Services, LLC at 404-933-6610 to discuss your home and determine if you are a candidate for a roof replacement paid for by your insurance company.

If you give us your location we can do a search to determine if your area was impacted by the Atlanta area hail storms of 2009.  If our search shows hail damage occurred in your area, we will preinspect your home and give you an honest opinion of the potential for approval if you do decide to file a claim.

Would you like $3500-15,000 to replace your roof?  If you rightfully deserve a roof replacement, you need to get your home inspected soon.

HOME ASSET PROTECTION SERVICES, LLC

404-933-6610

Hail Damage Atlanta Claims Guide

Posted in Atlanta Hail Damage Information, Claims Guide with tags , , , , , , on November 18, 2009 by HAPS

This is a quick guide to making sure you follow the proper steps to getting your hail damage claim taken care of without having to worry about having problems with your insurance company.

Understand, there are two kinds of companies involved in this business.  First, you have companies who want you to file a claim no matter what in hopes you will get approved.  Second, there are companies who want to make sure you have hail damage before you put in a claim.

The first kind of company is playing the numbers game.  They believe getting more claim contracts filed will result in more approvals irregardless of approval percentage.  They don’t always pre inspect your home carefully and they aren’t concerned about you getting denied with a claim on your record.

The second kind of company is definitely your best choice.  They do pre inspect your home carefully because they don’ t want to waste time meeting with your adjuster if they know damage is not apparent.  Also, they don’t want you to file a claim if you don’t qualify, and they don’t want to get a reputation with the insurance company of being a company who isn’t concerned with the expense the insurance company must incur to pay adjusters to inspect your home.

While not verified, it is assumed that the more professional companies have a better reputation with the insurance companies resulting in better service during the claims process.

When deciding what YOU need to do to find out if your home is a potential candidate for a hail damage claim approval, we suggest you use a company who preinspects your home and offers an honest opinion of their findings.  These companies will give you a more detailed explanation of their inspection along with reasons why you should or should not file a claim.

At Home Asset Protection Services, we offer detailed and honest pre inspections before we suggest you file a claim.  If we don’t find damage, we don’t want you to file a claim.  Why?  Because we don’t want to have to come back out to your home to meet with an adjuster if we know your roof will not be approved.  Our inspections are free and our adjuster meetings are free.  We even take pictures of your roof and show them to you so you can see the damage.   It would’nt make sense for our company to spend an additional 1-3 hours meeting with an adjuster if we know your roof won’t be approved.

Next, you want the hail damage claims representative to explain the entire process so you understand what filing a claim entails.  The claims representatives should explain the entire process from start to finish so you’ll understand the steps involved in filing your claim.  At Home Asset Protection Services, LLC, we do just that.  Our representative will show you the steps to filing and processing your claim and we will offer you assistance through the entire process.  We will help you in file the intial claim, we will explain the next step after the claim is filed, and we will show you examples of approved claims to help you understand how the payment process works.  We will also give you an estimate on the time it will take for the entire claim to be filed, inspected, approved, paid, and completed.  Finally, upon approval, we will show you samples of shingles so you can determine the best option and color for your new roof.

We don’t suggest you do this on your own.  It can be a complicated headache without professional assistance; and your chances for approval are cut in half without representation.  We ensure you are represented fairly and we assist you in getting the paperwork filed properly.  We also explain the claim breakdown to help you understand exactly what you are getting from the insurance company.

We also ensure the work is done to specification in a timely manner.  We generally complete the work within one week from the time you get initial proceeds from your insurance company.

Overall, expect the entire process to take one month.  After you  file the claim you will hear from an adjuster who will schedule an appointment to inspect your roof.  The adjuster will generally schedule an appointment within 1-2 weeks from the date you file the claim.  If approved during the inspection, it will take between a few hours to a few weeks to receive an inspection report and an initial check (if approved).  Depending on the amount you recieve, it will take between 1 day and 2 weeks to get your initial check endorsed and deposited. [NOTE: On larger claims amounts the check may be issued to you AND your mortgage company.  In the case of the latter, it can take up to 2 weeks to get your check endorsed by your mortgage company.]  After funds get deposited and paid to your hail damage claims services company i.e. roofer, it will take between 1 – 2 weeks to get the actual work done on your roof.  When the work is completed your contractor will issue a final invoice for the completed work.  When submitted to your insurance company, it will take between a few days and a couple of weeks to get your final check from the insurance company.  Finally, depending on who is named on the check, it can take between 2 days and 2 weeks to get final check endorsed and deposited.

As you can see this is a long process which requires great attention and professionalism.  At Home Asset Protection services we understand these time frames and we do everything possible to do most of the work so you don’t have to spend precious time dealing with this tedious process.

Would you rather do this all yourself risking the chance of getting your claim approved and not getting fair compensation for your claim; or would you prefer to have a professional company with experience handling the claim for you to ensure you get fair representation, fair compensation, and professional service on the replacement of your roof?

Call Home Asset Protection Services, LLC (HAPS) at 404-933-6610 to speak with one of our representatives about how we can help you determine if you should file a claim on your roof as a result of hail damage.

We get most of our jobs from referrals, so our goal is to make sure you are satisified.  It’s what keeps us in business….because in this business, reputation of professionalism and quality are of utmost importance.

If you live in the Metro Atlanta area, we want to hear from you soon.

Have a great day.

George Hearn

President

Home Asset Protection Services, LLC (HAPS)

404-933-6610

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