Archive for roof claim

Wind Damage Roofs in Metro Atlanta 2017

Posted in Claims Guide, Roof Leaks, Roofing Articles, Wind Damage with tags , , , , , , , , , , , , , , , , , on October 31, 2017 by HAPS

 

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Missing Shingles

Many homeowners experience damage to their roof when high winds occur during storms.  Sometimes it’s minor, and sometimes it’s major.

Insurance companies pay for wind damage in certain situations, but not in every situation.  Depending on insurers standards, the adjuster determines IF enough damage has occurred to justify replacing the roof.

First, you need to know what is determined as wind damage.  Tree damage is obvious. Missing shingles are obvious. Bent/creased shingles are not easily recognizable unless you climb on the roof to inpect the damage.

Why would an insurance company pay for a roof replacement for damaged shingles? Because a leaking roof causes more damage, and if interior damage occurs…the cost of the claim increases…especially if mold remediation/prevention is needed.

Understand, however, insurance companies aren’t going to pay to replace your roof “just because you need a new roof”. Insurance is not a roof replacement payment plan although many treat it this way.

If you have wind damage, leaks, etc., we recommend having your roof inspected to determine corrective action.  It may just be a repair, it may be worn out elements of your roof, i.e pipe boots, sealant around vents, nail pops, etc.  If the damage is significant, a claim may be warranted.  If the damage is minor, a repair may be all you need.  Either way, if shingles are damaged…a leak is coming sooner or later.

It’s not necessarily a claim worthy event “just because your neighbor got a new roof”. We see this often.  Frustrated homeowners because they didn’t get a new roof paid for after filing a claim.  Unfortunately, a claim goes on your record whether you get approved or denied.  This is just an opinion, but if you get too many claims on file…you may get dropped by your insurer.  Honestly, many “roof salesmen” don’t worry about this. They just want to “hopefully” get you a new roof.

At Home Asset Protection Services, or HAPS for short…we specialize in roof repairs.  We can fix anything on your roof.  Our roof repair technician Richard has been repairing leaks for 25+ years…and believe this….there is a right way and a wrong way to repair a roof.  If we see significant damage, we’ll suggest filing a claim as an option….but we’ll also give you a price for a repair.  This allows you the opportunity to make your own decision without pressure or false hope.

If you have concerns about your roof, call us at 404-933-6610 to discuss your issues.  We mostly service Gwinnett County including Suwanee, Sugar Hill, Buford, Dacula, Norcross, Duluth, Lawrenceville, and surrounding cities including Duwoody,, Flowery Branch, Gainesville, Sandy Springs, and Doraville.

We’re not storm chasers. We’re a roofing company with a proven track record of quality work, honest assessments, and fair pricing.  Our motto is to “do it right the first time’, and you have no idea how important this is.

If you have already been approved for a wind damage roof claim, we’ll be happy to assist you with the process.  The paperwork (adjuster summary) is hard to understand, and we will guide you through the process by educating you on the claim paperwork, making sure you have been properly compensated for replacement costs, and filing paperwork with insurance company to get back your recoverable depreciation.  So many don’t understand this.  IF you do the work, you generally get a final check for the depreciation which is withheld from initial claim check.  In other words, everything is paid for but your deductible.

Call George at 404-933-6610 if you have any questions.

 

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Hurricane Irma Roof Claims – Gwinnett County and Metro Atlanta Area

Posted in Claims Guide, Wind Damage with tags , , , , , , , , , , , , , on September 8, 2017 by HAPS

With the approach of Hurricane Irma, we expect a rise in roofing claims due to wind damage from the storms.  Unfortunately, we also expect an increase in out of state storm chasers coming into town to sell homeowners on filing claims.

At Home Asset Protection Services, LLC, or HAPS, we have been helping homeowners with roof replacement, roofing claims, and roof repairs for several years.  We are local to the Atlanta area, and we focus on the Northeast side of town including the cities of Alpharetta, Buford, Collins Hill, Cumming, Dacula, Duluth, Flowery Branch, Lawrenceville, Norcross, Peachtree Ridge District, Sugar Hill, and Suwanee.

Filing the claim is the easy part. Understanding the claim paperwork (adjuster summary), missed items in insurance adjuster summary, filing for recoverable depreciation, filing supplemental claims for proper compensation….and most importantly….getting the work done efficiently and properly…are areas where you need help. Call us at 404-933-6610 to discuss your roof issues, and we can repair your roof or help you with the entire claims process from start to finish.  If you have leaks, they need to be repaired, and they’re not always storm related. If you experience wind damage, the leaks may not surface immediately, so take a look at your roof after the storm to see if you have any missing or creased shingles. Don’t climb on the roof. It’s not safe unless you’ve got experience and the right equipment to safely navigate the area.

Based on our experience, using a local roofing contractor is paramount following a storm with high winds, hurricanes such as Irma, or hail storms (usually in the spring).  Also, using a roofing company who specializes in leak repairs is an integral part of choosing the right roofing contractor.  If you use an out of state contractor, who are you going to call if you have a problem?  If a company doesn’t specialize in repairs, how do you know they are re-roofing your home properly.

Common issues we see with improperly built roofs include…

  1. Improper flashing at walls and chimneys,
  2. No chimney pan or cricket on back side of chimney.
  3. No flashing replacement due to need to pull back siding to replace.
  4. Re using old turtle vents.
  5. Improper pipe boot installation.
  6. No ice & water shield in areas prone to leaks
  7. Improper roof ventilation.
  8. Not filing permits in cities which require permits.

and the list goes on and on. When a roof is built…it’s supposed to last. It only takes a pinhole to leak.

As for filing claims, insurance companies assessment of damage varies depending on company. Most insurance companies “approve” claims based on a determined amount of damaged shingles on each slope of the house.  In other words, if you have wind damaged shingles on the front of your home and none on the back of your home…you will most likely only qualify for a partial roof replacement.

Another factor is the condition of your shingles. If shingles are brittle, it’s impossible to change a shingle without the shingle above it cracking.  This is the main reason roof claims are approved for wind damaged shingles.  Generally, with a “new” roof (less than 7 years), the shingles will most likely “pass” the brittle test.

Understand, approval of a roof claim is a subjective opinion based on the insurance adjuster/company.  Some companies are more generous in their assessment while others are very difficult to deal with.  Call us at 404-933-6610 to discuss our opinions.

Finally, understanding supplemental claims and depreciation are a complex part of the process. If you handle the claim and hiring of a contractor on your own, you may get shortchanged…or even taken advantage of.  Use a local company with a proven track record of honesty and quality work.

We hope you’ll consider Home Asset Protection Services (HAPS) if you have issues on your roof.  We can repair or replace your roof, and we do it right the first time.  Call us at 404-933-6610 today if you are having issues with your roof; and if Hurricane Irma hits the Atlanta area, we pray for the safety of all.

Service Area – Alpharetta, Buford, Collins Hill, Cumming, Dacula, Duluth, Flowery Branch, Lawrenceville, Norcross, Peachtree Ridge District, Sugar Hill, and Suwanee.

 

 

Stop Roof Leaks – Maintenance vs Repair

Posted in Roofing Articles with tags , , , , , , , , , , , , , , , , , , , , , on June 2, 2016 by HAPS

This is a long post, but with roof issues we want to educate homeowners on issues which occur on roofs.  Most people don’t climb on roofs; so we want you to have a good understanding of roof issues so you can decide if your contractor knows what they are doing.

Home Asset Protection Services, LLC (HAPS) is located in Suwanee, GA, and we specialize in roof leak repair and full roof replacement in the Gwinnett County Georgia and surrounding areas. Our leak specialist has over 25 years experience diagnosing and repairing leaking roofs; and we’ve just about seen it all.

Unfortunately, over the past several years a lot of the roofs replaced in the Metro Atlanta area have been built incorrectly, especially in the flashing areas.  Fortunately for us, we get a lot of work as a result. Many fly by night storm chaser companies rush into town during storm season, help homeowners get their roofs replaced through insurance claims, do the job, and then one of two things happen. They either leave the area to follow the latest storm in another city/state, or they go out of business. Trust us, we see it all the time. Homeowners are stuck holding the bag.

Let’s look at where most leaks occur.

  • Chimneys – siding, stucco, or brick
  • Flat roofs.
  • Bathrooms – exhaust vents.
  • Skylights
  • Ridge Cap – shingles covering the top of the roof
  • Improper Nailing – high nailing, below the line, or nail gun pressure issues.
  • Nail Pops & Toeboard holes.
  • Dead Valleys – where roof valleys run into a wall
  • Valleys – improper installation
  • Gutters – generally overfilled gutters or gap between decking & fascia.

Many of these leaks can be prevented by a simple roof maintenance plan if addressed in a timely manner.  After 3-5 years certain components of your roof need attention. We offer a service called a roof tuneup, and this service will prevent leaks and extend the life of your roof for years. Call us at 404-933-6610 to see if a roof tuneup is the best option for your home, and do it BEFORE the roof starts leaking.

What is  a roof a roof tuneup? 

Your roof has certain elements which deteriorate over time. A roof tuneup takes care of these issues, and this will prolong the life of your roof for another 3-5 years. Here are the things we do with a roof tuneup.

  1. Repair or Replace Pipe Boots.
  2. Seal Exhaust Vents.
  3. Seal turtle vents, power vents, & dryer vents.
  4. Paint All vents with rust preventive paint.
  5. Repair Nail Pops.
  6. Seal Toeboard holes.
  7. Seal exposed nails.
  8. Replace up to 10 missing or damaged shingles.
  9. Clean minor debris off roof.
  10. Inspect roof & flashing for major issues.

Explanations of the services listed are explained in detail below.

Repair Pipe Boots – Most bathrooms have vent pipes which are designed to remove the musty smell from the plumbing system. These exhaust type vents almost always go out of the roof.  The pipes are covered with a rubber pipe boot to seal off the area from leaking. (See photo below). These boots have a thin rubber elastic area designed to fit snugly around the pipe. After 3-5 years the rubber dry rots and cracks; and many leaks occur in this area.

If you have a roof leak in your bathroom, chances are very high that your pipe boots are cracking. With a roof tuneup, we install new rain collars and seal the exposed nails where vents are nailed to roof. This adds around 3-5 more years of life for this area of the roof.

Seal Exhaust Vents – These are the metal vents which carry exhaust fumes from your HVAC unit. When a roof is installed, these vents must be sealed with high grade roof sealant around joints and nails. Over time the sealant wears off. Also, these vents rust over time.  With a roof tuneup we reseal the vents with the highest grade of silicone roof sealant available in the market. We also paint the vents with rust preventive paint to extend the life of these elements.

Seal Turtle Vents, Power Vent, & Dryer Vents – Turtle vents are aluminum or plastic “boxes” found on the back of many roofs. These vents are used to ventilate the attic. This prevents heat buildup in attic which causes shingles to blister and increases heating and A/C bills. A blister is basically like a popped bubble on the shingles. Power vents are the big round fans found on many hip roofs, and dryer vents are vents which carry moist air out of the house from the clothes dryer.  These items need resealing over time to prevent leaks.

Paint All Vents With Rust Preventive Paint – Over time your HVAC vent will rust. We paint the vents to stop/prevent the rust from destroying your exhaust vents. We also paint other vents on the roof to prevent rusting and to improve the look of the roof.

Repair Nail Pops & Toeboard Holes –  Nail pops occur when nails on the roof loosen over time. When nails pop out they often cause indentations or holes in the shingle. A roof tuneup will take care of this issue. We nail down the loose nails and apply premium roof sealant to the affected area.  Toeboard holes are actual holes in the shingles when the roofing crew nails boards to the roof to stand on when installing the roof.  A good (and safe) roofing crew will rope & harness when installing the roof instead of using toeboards. With the roof tuneup we seal all toeboard holes on the roof to prevent leaks in these areas.

Seal Exposed Nails  – All roofs have exposed nails on the ridge cap and bottom side of all the vents. While sealed during installation (we hope), the sealant wears off over time. When this occurs the nails rust, and eventually lead to bigger problems. With the roof tuneup we seal all exposed nails with premium roof sealant.

Replace Missing or Damaged Shingles – While obvious, we replace up to 10 shingles which are missing or damaged on your roof. Missing shingles could be a major issue which is described below; however, in many cases a few shingles fall off from loose nails, improper nailing, or even wind damage.

Clean Minor Debris Off Roof – Most often, this involves removing pine straw in the valleys. Pine straw will stop water flow during rain, and this can often cause leaks. It also causes algae to grow on the roof, and eventually leaks to leaks and rotten wood below the shingles.

MAJOR ROOF ISSUES 

Below are major roof issues which involve much more extensive repair.  These are the most common areas for leaks due to installation issues and/or rot over time.

Chimneys – Probably the biggest area for leaks we find are around chimneys.  A lot depends on the type of chimney, and where the chimney is located. The main problem we find around chimneys is flashing related.  Flashing is metal which redirects water away from the walls of the chimney so it can properly drain the the gutters (or edge of roof).  The section on the roof above a chimney needs a cricket (framed & shingled diverter), j channel flashing, and  a properly installed chimney pan.  Water pounds this area, and if flashing is not installed correctly…you will have a leak.  On the sides of the chimney step flashing or J-channel flashing is used to channel water down the roof. If installed improperly, the water will run under the shingles or behind the flashing causing water stains on your ceilings.

Additionally, on homes with wood or hardie plank siding, we often find leaks from rotten or broken siding, worn out sealant on joints, or rotten corner boards.

On homes with brick chimneys you not only need properly installed chimney pan & flashing, you also need counter flashing over the step flashing to prevent water from running down the chimney and behind the flashing.  Properly flashing a brick chimney is a specialty, so if you have brick chimney leaks…make sure the contractor knows what they are doing.

Dead Valleys – Dead valleys is a term to describe sections of roof that run into a wall.  Here the rain water slams against the wall, and often runs up over the flashing and down the walls into your home.  These are delicate areas, and extensive repair needs to be done to properly repair these areas. Inspection of the area needs to be done to determine best course of action, but basically the repair needs to run up the wall so water can get behind the flashing.

Valley Repairs – Roof valleys are installed one of two ways. A weave pattern is when shingles from intersecting roof sections are woven together; and a French cut pattern where shingles are cut in a straight line down the valley.  Obviously water runs down the valleys. If the water gets under the shingles, you have a problem.  Valleys should have metal flashing or ice & water shield installed to keep any leakage from getting to your ceilings. We install ice & water shield on an roofs we build.  It’s not cheap, and many roofing contractors do not use this extra product to save money.  If you have a valley leak, we will most likely need to tear out the valley, install ice & water shield, replace rotten decking, and re-shingle the entire valley.

Improper Nailing – We see this quite often. The biggest issue we see is nail gun pressure issues. If the roofing crew sets the nail gun pressure too high, the nails often go through the shingle too far. As a result, the shingles eventually fall off. If you see entire shingles fall off your roof, chances are the nails were installed improperly. This is actually a big problem. We repair up to 10 missing shingles with a roof tuneup; but if shingles were nailed too hard…the problem will continue. We can repair the shingles which have fallen off, but we may have to come back over the years as the shingles fall off.  It’s cheaper than replacing the entrie roof, but eventually your roof will need to be replaced. We advise making the repairs until shingles have lived their life; and then replacing the roof with a company who knows what they are doing.

Gutter area leaks – We often find leaks due to gutter issues. Gutters full of debris cause water to go behind the gutter and down the wall into your home. This causes interior leaks as well as soffit & fascia damage on the exterior of your home.  You may want to consider installing gutter guards to keep debris from building up in your gutters.

 

 

We also see loose gutters, shingles not hanging over edge of roof enough, and gaps between the plywood decking and fascia. This is also the area of the roof where squirrels or other rodents enter your home. We can diagnose the issue and offer a solution to the problem.

Flat Roofs – If a roof is less than a four pitch, it should be considered a flat roof. Four pitch means the roof rises 4″ in height per foot of roof.  Water pools on flat roofs, so a special type of roofing is needed to prevent leaks. We get a lot of work from homeowners who have shingles installed on low slope roofs. Think of it this way. If sideways rain occurs, the water is going under the shingles.  There are many types of low slope and flat roof components, and please consult a qualified professional when dealing with these areas of your home.

And finally, the big one. Your roof has lived it’s life.  It is what it is.  If your shingles have lived their functional life, you need to replace your roof.  An inspection will determine if roof needs replacement. Signals incluce major granule loss, brittle shingles, and major wear and tear.

Home Asset Protection Services, LLC is a full service roofing contractor serving Atlanta, Buford, Chamblee, Dacula, Duluth, Dunwoody, Flowery Branch, Lawrenceville, Lilburn, Norcross, Sandy Springs, Snellville, Suwanee, Sugar Hill, and surrounding areas for roof repairs.

For roof replacement we work in all of Metro Atlanta and surrounding counties.

Call HAPS at 404 933-6610 to discuss your roof issues; and you will get honest answers and service at a competitive price.

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

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.

Hail Damage in Alpharetta and John’s Creek Georgia July 2010

Posted in Atlanta Hail Damage Information with tags , , , , on July 29, 2010 by HAPS

On Monday July 26, 2010 a major hailstorm hit in Alpharetta and John’s Creek Georgia causing major hail damage to roofs across the area.   Reports of 1.75″ to 2″ hail have been made by homeowners throughout the area.   Insurance companies will be extremely busy in the coming months as the claims roll in.

Hail Spot on Shingle

Hail Damaged Shingle

Our experience is that insurance companies are more prone to approve claims within close proximity to the storm date because they have so many storm damage claims to process that they don’t spend as much time micro managing adjuster summaries from their inspections.

What does this mean to the homeowner?  Basically, if you file a claim quickly, you will increase your odds of having your hail damage claim approved tremendously.

If you live in Alpharetta or John’s Creek Georgia you should contact Home Asset Protection Services as soon as possible to arrange for a FREE pre inspection of your home to determine if you need to file a claim.

We advise you to have your home pre inspected before you file a claim to ensure you have hail damage on your roof.  Our trained staff will assist you throughout the entire process.  We will inspect your roof, help you file a claim if needed, provide the necessary information to the insurance company, keep records and/or pictures from the inspections to back our findings, and ensure the insurance companies compensate you fairly for your roof replacement.

Don’t delay.  If you’ve considered having your roof checked for hail damage, NOW is the time.  Call 404-933-6610 today to arrange for a FREE inspection of your home.

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.