Archive for sugar hill hail claim

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