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Spring Cleaning? Don’t Forget Your Roof!

Spring Cleaning: It’s that time of year once again. Sure, you need to de-clutter your garage and your basement, spruce up your landscaping and dust your common living areas, but that’s not the type of cleaning this guide is about. You need to give some attention to your roof too!

A long, snowy winter in Dayton, OH can leave your roof with leaks, missing shingles and mold. Of course, if you catch the problems right away, repairs can stay minimal. That’s why it’s a smart idea to go through a Spring Cleaning Checklist and assess the state of your home’s roof.

Here are four steps to get you started:

Clean Out Your Gutters

You may have cleaned out your gutters in the fall, but chances are they’re full of leaves and debris once again after the long winter. Either hire a professional, such as Helping Hands Restorations, or safely climb a ladder and make sure all pathways are clear, so water can flow uninhibited. A backup in your gutters during the rainy spring can have serious implications for your home.

While you’re cleaning, you also should check for signs of wear and tear on your gutters. It’s vital to make sure your gutters are functioning properly. A functional gutter system allows water to roll away quickly from your home and foundation into your yard where it can water your grass, flower gardens and shrubs. Properly maintained and functioning guttering and downspouts are critical to protecting your landscaping, foundation of your home, fascia board, window frames and siding. If you notice rust and corrosion, these are sure signs your gutters may need to be replaced, before they break away from the house and leave you without a way to direct precipitation off the roof and away from your home. Click HERE to learn more about Helping Hands Restorations’ Gutter Services in Dayton, OH.

Examine Your Roof for Loose Shingles and Flashing

Never climb up onto your roof — it’s too dangerous if you are not experienced— but examine the exterior from the ground. Look for any gaps in the shingling, or for shingles that are missing or seem to be loose and ready to fly off during the next high wind. You also should look for signs that your flashing is buckling or tearing away from the roof.

Call Helping Hands Restorations, a Dayton, OH Roofing Contractor, right away if you notice you have damage. We offer a FREE, no obligation 20-Point Roof Inspection. Click HERE to request a free roof inspection online. It’s cheaper to prevent problems from water damage now than to repair them later. It will become more extensive and expensive unless you use spring cleaning as an opportunity to address it.

Trim Nearby Branches

Have nearby trees grown and begun to cast a shadow on your roof? A hanging tree branch over your roof is an accident waiting to happen. As branches scrape against roof shingles on windy days, they can strip off layers of asphalt. Also, if the leaves fall directly onto your roof or into the gutter, this can lead to mold, deterioration or leaks. Even worse, if the tree is damaged or diseased, a storm can cause limbs to fall onto your home. It’s best to hire a professional arborist to safely cut back vegetation so it does not threaten your roof, or you can do it yourself if you have the proper equipment. This also will reduce the amount of leaves you’ll need to clean out of your gutters in the future. Call us today if you need recommendations for local, fully insured and affordable tree care companies.

Look at the Inside of Your Attic and Home

Lastly, check for any signs of water damage or mold inside your attic or on the ceiling in your home. If you see any staining or smell mildew, it’s wise to call us so we can pinpoint the exact cause of the damage and make the repair quickly, before it has a chance to get worse or costlier.

It’s the perfect season to make sure your roof is functioning properly and is in good condition. Get in touch with Helping Hands Restorations if you think you have a roofing or gutter issue and we’ll provide fast, professional service so that you can get back to focusing on other areas of your home that need spring cleaning as well. Call your Dayton, OH Roofing Company today at (937) 215-8663 or click HERE to fill out the online request for a free inspection.

Roofing 101

If you’ve been thinking about installing a new roof or wondering if you need to repair your roof, here’s the 411 on roofing.

Your Roof’s Function

Your roof is the first point of contact your dwelling has with the elements. A good roof is just as essential as a safe foundation. As a well-designed foundation secures the building against destruction starting at the bottom, similarly a good roof affords protection for the building itself and what the building contains and prevents deterioration starting from the top. Having a sturdy, well-functioning roof is essential for ensuring that those inside are in the most comfortable, safe and well-protected space.

Your roof also serves an important function in your home’s insulation system. The vast majority of a home’s heating and cooling costs are due to a loss of heat during the winter and a loss of cool air during the summer. Most of this loss happens through the roof. By installing a proper layer of insulation, the heat exchange through the roof layers can be dramatically decreased. An insulated roof may decrease a home’s heating and cooling costs by as much as 40 percent.

Common Roof Problems

A failing roof may happen slowly: a clogged gutter can push water under the shingles of a roof, soaking the plywood support underneath causing buckling. Shingles may have poor connection points and allow rain to leak in. The waterproof barrier may be of poor quality and allow moisture to deteriorate the trusses holding up the roof. Ventilation may be poor, allowing moisture to build up in the attic and creating a matted insulation layer that stops functioning. Or a failing roof can occur suddenly: a branch or tree that falls on the roof and damages a section may cause minor tears or major holes. 

Based on Helping Hands Restorations’ experience in the field, the following are the most common causes of premature roof failure:

Lack of Maintenance

The failure to find and correct minor roof deterioration in the earliest stages is probably the greatest cause of premature roof problems. This is particularly true in the cases of low-sloped roofs.

The best preventive maintenance that one can do is to hire a Roofing Contractor to perform semi-annual inspections and roof tune-ups to identify and solve problems as they occur. Roofs get more abuse from the elements than any other part of the building. Just like periodic maintenance of your car will increase its lifetime mileage, preventative roof maintenance is a key element to saving money on your roof by providing a longer life cycle.

Weathering

Extreme weather incidents such as severe storms, high winds and heavy rain can dislodge shingles, but even everyday weather has a negative effect on a roof. Summer sunshine reflected off the roof can cause the roof’s temperature to rise, and the arrival of a cold front or a thunderstorm causes it to drop rapidly. The shock of such expansion and contraction places a strain on the support structure as well as the cladding, causing fatigue and deterioration.

Water Damage

Water damage is the most common cause of roof problems. Research has shown that an inadequately ventilated roof area prevents air movement, which increases the moisture content in the air. Moisture causes corrosion, deterioration of insulation materials, and expansion and contraction of the wooden support structure, which impairs the performance of shingles or other roofing materials. The resulting gaps cause the roof to leak, which results in more damage.

Wind Damage

Roofing materials are subject to damage from strong winds and flying debris. Generally, roofs are not designed to withstand winds of hurricane and tornado intensity. However, roofs may also be damaged by winds of moderate intensity, with gusts that may reach 50 to 75 mph. The primary cause of wind damage is from the partial vacuum created by wind blowing over the edge of the roof. Nature tries to neutralize the low-pressure area by bringing in air from a higher pressure area, usually from inside the building. This air pushes upon the bottom side of the roof assembly and, over time, loosens fasteners and breaks the adhesion making the roof susceptible to damage from the next moderate or strong wind. To counteract the effects of wind-uplift forces, the roofing and insulation should be adequately fastened to the roof deck, and a securely fastened perimeter detail should be provided.

Improper Design

Troublesome and costly roofing problems are often the result of faulty initial design of the roof system. Design deficiencies are costly to correct, and usually can only be corrected during the roof replacement. However, unless design deficiencies are discovered and corrected during the re-roofing, the problems related to them will most likely reoccur. Some examples of faulty design are:

  • Weak roof structures that deflect excessively under load, causing splitting of roof membrane.
  • Inadequate roof slope, sagging roof structure, or insufficient number or location of drains, resulting in ponding water.
  • Inadequate provision for expansion and contraction at changes in deck material or direction, causing membrane splits.
  • Incompatible roof materials – i.e. the use of asphalt to adhere to a torch-on material.

Flashing Failures

The function of flashings is to provide a watertight junction between roofing materials and roof projections or other parts of the structure, and between roof sections. Flashings should be designed to furnish service for as long as the materials used on the roof. Flashings are the most vulnerable part of any roof. Their importance and the importance of maintaining them properly cannot be over-emphasized.

Not everyone is a Roofer, so how do you, as the Homeowner, recognize a damaged roof?

Obvious signs like buckling, cracked or missing shingles, worn-looking shingles and leaks into the interior are all indications of a deteriorating roof. What’s not always obvious are other signs of an inadequate roof like a higher-than-average electrical bill (indicating a poor roofing ventilation system), cracked or blistered exterior paint (indicating high humidity due to poor ventilation), interior mold or mildew growth (possibly due to excess moisture underneath the roof layers), water damage or stains in the attic or on ceilings following heavy rain, snow or ice (ice blockages or dams possibly caused water to leak under the shingles). If you live in an older home, and the roof hasn’t been replaced in 20 years, you may be in the position to install a new, upgraded roof.

Roof Repairs

A roof is in use from the moment it is installed. Subjected to the above-mentioned problems, the roofing materials begin to deteriorate immediately.

Repairs should never be postponed, and biannual roof inspections help the homeowner ensure that problems are not aggravated by lack of attention. For homeowners without a roof maintenance program, Helping Hands Restorations will conduct an inspection at no cost, followed by a report and a free, no-obligation quotation for the necessary repairs. Repairs may simply entail replacing a few shingles, or if the damages are extensive, a full roof replacement may be recommended.

Repairing Shingle Roofs

Roofs occasionally develop leaks caused by cracked or missing shingles or shakes, or a blistered and cracked section of a flat roof. Often, the best way to identify a leak in the roof is from water damage on the internal walls. Shingle roofs are simple to repair; first, locate the leak, then isolate the source by marking the damaged, curled or missing shingles, and then replace them. If the leak is close to a joint such as a chimney, breaks in the caulking or flashing may be the culprit. Shingles that are lifting or curling can easily be reattached in warm weather with asphalt roof cement or compound; in cold weather, the shingle must be warmed and softened using a propane torch flame, then straightened before reattaching it.

Shingles that are torn, rotten or missing must be replaced. If an area of roof shows signs of rot, it may be necessary to replace the entire section. Damaged shingles need to be removed carefully, and loose or brittle cement must be scraped out. Protruding nails should be removed, and new shingles should be placed carefully and aligned with the adjacent shingles. Overlapping corners should be fastened into place on top of the new shingles, and any remaining gaps should be filled with caulking or spray foam insulation material.

***Note: Some roofing manufacturers may not grant a warranty to a roof that is partially replaced, so be sure to ask your Helping Hands Restorations representative about the pros and cons of a full or partial roof replacement.

Replacing a Roof

Roof replacement or remodeling occurs when the damage is too great to repair a section of the roof, the roofing materials are old or outdated, or the homeowner decides to renovate the building. Methods of re-roofing include the “tear-off” and “lay over” methods, and the choice of method depends on the roofing material used originally, the condition of the old roof, the accessibility of the existing roof’s interior and the extent of the damage. In some jurisdictions, roof replacement requires a permit similar to that needed for installing a roof on a new home. Building codes in certain states allow only a single lay-over to be conducted, although for practical purposes a lay-over can be done up to three times.

Tear-Off Method

Depending on the roofing material used, it may not be feasible to lay new shingles over the old. While this is usually the less expensive route, it is not necessarily the best decision. In the tear-off process, the old roof is removed in its entirety. This enables the roofing contractor to examine the inner section of the roof and evaluate the condition of the trusses or rafters. He can also make any necessary flashing repairs and identify condensation or other moisture problems in the attic. For homeowners who select a long-lasting roofing material such as asphalt shingles, this process provides the opportunity to install new waterproofing underlayment to protect against future leaks, and it allows the contractor to correct any ventilation problems that may result from an old, inferior roof.

Lay-Over Method

This process is best used when a roof is being replaced or remodeled for mainly aesthetic purposes. Provided that the original roof is intact or needs only minor repairs, the wooden supports pass inspection for rot and moisture, and they are deemed strong enough to support the additional weight, a new roofing material may be laid over the old. If the lay-over process is selected, it is advisable to install a full underlayment over the old roof before adding the new, or existing damage such as rot and moisture could spread to the new roof.

How much does a full roof replacement cost?

Replacing your entire roof is not an insignificant cost and it should be the homeowner’s responsibility to speak with a reputable roofing contractor to gain a full understanding of all the options. In 2016, a standard 2,200 to 3,400-square-foot roof replacement cost $5,000 to $12,000 or more for architectural asphalt shingles. Roofers charge for their work using what are known as “squares.” One 10-by-10-foot patch of roof makes a square. The average residential roof needs between 22 and 34 squares to be replaced.

Another avenue for roof replacement or repair, which unfortunately many homeowners are unaware of, is using your homeowners insurance policy to pay for the damages. The reason you have homeowners insurance is specifically for the damage you sustain in a wind or hailstorm. Your damages could be substantial, meaning so would your out-of-pocket expense. So, if your insurance company’s obligation is to replace the roof and have you pay only the deductible, it’s worth checking into. For example, if the cost to replace your roof is $10,000 and the type of insurance you have is a replacement cost value policy, the insurance company will pay the full $10,000 less your deductible. If you have a $1,000 deductible, you will end up with a new $10,000 roof and pay only your $1,000 deductible.

Helping Hands Restorations specializes in insurance claims and we handle the entire process from start to finish. Our knowledgeable claims specialists offer assistance in submitting a claim, perform an on-site damage assessment with the insurance adjuster, and perform emergency & permanent repairs billable to the insurance company. If you’d like to learn more, read our blog “Understanding the Storm Damage Insurance Claims Process” by visiting HERE. You can also learn more about Helping Hands Restorations’ Insurance Claims Assistance by clicking HERE.

Maintaining Your New Roof

Maintaining a roof means cleaning it regularly, conducting biannual inspections and ensuring that necessary repairs are performed as soon as possible. Preventative maintenance can stop small, easy-to-fix problems from becoming costly repairs, will prolong the roof’s life span and will add to the home’s investment value.

Cleaning

A dirty roof is unsightly and can reduce the home’s curb appeal and resale value. Moss, algae and mold grow regularly on roof tiles and discolor them; bird droppings, mud and dust will also accumulate. Roofs should be cleaned annually, either by a professional roofing contractor or as part of your regular home maintenance program.

Inspections

Regular roof inspections allow the homeowner to identify potential problems before they become more serious. Inspections should take place at least twice annually, during the spring and the fall, and should include:

  • Checking the interior and exterior of the roof for signs of moisture, worn spots, deterioration or aging of the sealant, changes in insulation quality and substrate firmness;
  • Checking flashing for any loose attachments, missing fasteners, moisture and corrosion, cracked or aging sealant;
  • Checking the roof penetration areas, such as pipes and other items inserted through the roof membrane, for the integrity of the seal around the entry point.

Maintenance Programs

A comprehensive maintenance program provides for two to four scheduled roof inspections each year, in return for one annual payment or a monthly premium. Some programs provide for ad hoc inspections after extreme weather events, while others offer these inspections at an additional cost. Debris removal may be included in the maintenance agreement, because it will be impossible to inspect the roof while debris is present. The contract may include cleaning and minor repairs, or the homeowner may receive a cost estimate for the repairs after the inspection. A roof maintenance program can save homeowners up to 50 percent over the life of a 30-year roof compared to replacing it every 15-20 years. Contact Helping Hands Restorations today for more information about our annual maintenance programs or to schedule your FREE, no-obligation inspection.

I need a roof….but it’s the middle of Winter!

Many homeowners are in need of emergency roof repairs or replacement during the winter. But homeowners often question whether or not they can have a new roof installed in cold, wet, snowy winter weather. If you find yourself with roof damage this winter, this article offers homeowners important information, provided by the Pros at Helping Hands Restorations, to assist them with making an informed decision regarding roofing in cold weather.

Not for the Faint of Heart

Winter roofing is not for the faint of heart, especially in climates such as Ohio. Nonetheless, roofing can be done in cold weather, but be prepared for the extra hassle and expense (unless it’s insurance related).

Roofing in winter weather is not ideal and can be quite complicated. Almost all types of roofing material utilizes adhesive during the installation process, and almost all adhesive requires warm temperatures (heat source) to properly cure and fasten. A roof that is not properly fastened will often fail quickly, if not immediately. During the summer months, the sun is an adequate heat source for the proper adhesion of most roofing materials: asphalt shingle, EPDM (rubber) single-ply membrane, roll roofing, peal and stick roofing, and modified bitumen. These materials cannot be applied in cold weather without a great deal of added effort and expense.

Asphalt Shingles

Considering four out of five homes in the U.S. are roofed with asphalt shingles, a professional roofer must be aware of the manufacturer’s detailed requirements concerning the temperatures at which their materials can be installed, or the quality of the finished product may be adversely affected.

The ideal temperature range to install asphalt shingles is between 70 and 80 degrees Fahrenheit. Colder than 70 degrees and the adhesive will not reach the ideal elasticity and will not create a perfect seal.

If asphalt shingles are installed during colder than ideal temperatures, the shingles will not seal adequately and are vulnerable to high winds and rain. An improperly sealed shingle can be blown off by the wind or allow rainwater to seep underneath and into the roof decking. In addition, asphalt shingles installed in winter often have edges that appear raised or curled. Warm temperatures are required to keep the shingle pliable enough to consistently lay flat against the previous course.

Nonetheless, many roofers will take the chance in cooler spring weather to go ahead and install the shingles knowing warm summer weather is just around the corner. In most cases, asphalt shingles will eventually reach a high enough temperature to properly cure the adhesive, and the roof will function properly. In other cases, a storm producing high winds or driving rain could damage a shingle before it has a chance to seal properly.

Asphalt shingles can be installed properly during cold weather (late fall and winter) only if additional, costly measures are taken. Most asphalt shingle manufactures require that a specialized adhesive is manually applied to each shingle if temperatures are below 40 degrees Fahrenheit. When installing composition shingles, roofers also need to be careful not to damage the shingles when nailing them into the roof. According to the owner of Helping Hands Restorations, Aubrey Holley, to properly install a roof during cold weather, no roofing guns should be used at temperatures below 30 degrees Fahrenheit. Holley says, “At Helping Hands Restorations, we hand-nail all our winter installations to ensure our homeowners are receiving the same service as our Spring/Summer customers; a state-of-the-art roofing system that will be hassle free for years to come.” 

Dam that Ice!

Many homeowners in the northern United States are all too familiar with ice dams. These are thick accumulations of ice that form over the eaves of a house. Water then collects behind the dam and gradually works its way beneath roof shingles through a cycle of freezing and thawing. The result can be leakage into the living areas of the home, which in turn can produce sagging plaster, stains, and other damage.

Low-pitched roofs are the most likely to be affected, but the cause is a warm roof. Heat escapes the living areas of the home and rises, warming the blanket of snow on the roof. As the snow melts, it flows down the slope of the roof only to refreeze on top of the unheated roof overhang. The ice builds up, the thawing and freezing cycle continues, and the flow begins.

Ice dams are preventable. If new roofing is being added at your home, make sure that proper precautions are being taken. The key steps to avoiding ice dams are these:

1) Ensure adequate ventilation.
The roof needs to be vented both at the eaves (usually in the soffits) and at the peak, either in the roof itself or via vents in the end walls of the house. An air space above the insulation in the ceiling or attic then allows cold air to move freely, keeping the roof cold and preventing the snow cover from melting. When a roof is being constructed, inexpensive Styrofoam baffles may be installed to ensure that there is a passageway for cold air from the eaves to the peak.

2) Seal off the house.
Proper insulation of the attic rafters or ceiling joists is another part of the solution. So is a tight vapor barrier to prevent moisture from passing from the living areas into and through the insulation.

3) Install a snow and ice shield.
There are a number of products on the market that, when installed immediately on top of the sub-roof and beneath the shingles covering the overhang of the roof, will prevent water from working its way into the home. A snow and ice shield consists of a bituminous membrane that seals the roof, forming a continuous barrier to water. Helping Hands Restorations installs ice & water shield on every roof we install to prevent wind-driven rain and melting ice and snow from leaking through the roof deck.

Install Between the Bad Weather Days

Winter conditions only make a bad roof situation worse. Some roofs are in such poor condition that the homeowner cannot wait until spring to repair it. Fortunately, as us Ohioans know, the weather forecasts in Ohio are made up and the seasons don’t matter. In Dayton, Ohio, there are many days with bright sun and temperatures in the upper 50’s during the winter season. Last February, there was a four-day stretch where the temperature reached 65 degrees Fahrenheit. So, befriend a good roofing contractor, such as Helping Hands Restorations, that watches the weather and schedules roof installations between the bad weather days.

For a FREE Roof Inspection or Insurance Claims Assistance, contact Helping Hands Restorations in Dayton at 937-215-8663 today!

Understanding the Insurance Appraisal Process

Has your insurance company forced you into the Appraisal Process?

Many homeowners and business owners find themselves disagreeing with their insurance company’s analysis of their insurance claim. However, most are unaware that they can dispute the insurance company’s findings via the Insurance Appraisal Process! Even though the policyholder (you) submits a contractor’s estimate, receipts for repairs or materials, or even photos showing damages that the insurance company did not include for repairs… they still won’t budge. Most policyholders are unaware of how to dispute and resolve their claim with the insurance company. Policyholders have a choice and a voice within their policy for this very purpose. It’s called The Appraisal Clause – also known as The Appraisal Provision. Now, don’t let this scare you. It may seem like a fancy clause that would take a law degree to understand. However, a simple way to understand it is that it’s the insurance industry’s version of arbitration. Although similar, the Appraisal Process is NOT an arbitration or mediation and the umpire is not an arbitrator, mediator, or judge. Insurance Appraisal, Mediation, and Arbitration are separate things. In short; Arbitration requires attorneys and a legal process, where Insurance Appraisal does not require attorney’s or a legal process.

Most Policies Have the Insurance Appraisal Clause

If you feel you’re at a dead end with your insurance company and want to resolve your claim, you’ll need to check your policy for the Appraisal Clause. Most policies will have the provision listed under the “What to do after a loss,” section or the “Conditions” section of the policy. Below, you will find a sample of a typical Insurance Appraisal Clause included in most policies. Keep in mind that policies can be different in each state. Therefore, you should read your own policy to see if this clause exists. It will say something similar to the following ;

APPRAISAL – If you and we fail to agree on the amount of loss, either one can demand that the amount of the loss be set by appraisal.  If either makes a written demand for appraisal, each shall select a competent, independent appraiser.  Each shall notify the other of the appraiser’s identity within 20 days of receipt of the written demand.  The two appraisers shall then select a competent, impartial umpire.  If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire.  The appraisers shall then set the amount of the loss.  If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire.  Written agreement signed by any two of these three shall set the amount of the loss.

OK, But How Does the Insurance Appraisal Process Work?

The Appraisal Provision allows the policyholder (you) to hire an independent appraiser to determine the value of their damages. In turn, the insurance company will also hire their own independent appraiser. The two appraisers will then get together and select an umpire. The umpire is basically the arbitrator, or what you might call the judge. If a disagreement between the two appraisers arises, they can present their differences to the umpire who will make a ruling.

OK; so far so good, the basics of the insurance appraisal process are beginning to come together. We have an independent appraiser for the policyholder. We have an independent appraiser for the insurance company. Finally, there is an Umpire. These three individuals are known as The Appraisal Panel. The object of the Appraisal Panel is to set or determine The Amount of Loss. The Amount of Loss is the total dollar amount needed to return the damaged property back to its original condition, either by repair or replacement.

Once the Appraisal Panel is set, the policyholder’s chosen appraiser and the insurance company’s chosen appraiser will review the documents, estimates, and differences between them. The two independent appraisers will try to discuss and resolve the differences in damage and in cost. For example; the insurance company may determine that brick on a home does not need to be replaced. Whereas, the contractor or appraiser for the policyholder says that it does have to be replaced. The two appraisers will discuss their reasons for their position and try to come to an agreement, first if it should be repaired or replaced, and secondly the cost to return the brick back to it’s original condition prior to the loss.

One benefit of the Insurance Appraisal Process is that the two independent appraisers have not been subject to the bickering and anger between the policyholder and the insurance company. Basically, it’s the hope that cooler heads will prevail. All the appraisers really have is the amount of the damage and the difference between the two estimate numbers. They do not have the previous baggage or anger that led up to the Appraisal. The process was designed so that these two individuals, who have no interest in the outcome, could discuss a settlement based on the facts presented to them.

Sometimes issues arise where the two independent appraisers can’t agree on certain items. In this event, the two appraisers will submit their differences to the chosen umpire. The three will discuss the issues and try to reach an agreed settlement of the differences. As stated above; the settlement or final number is called The Amount of Loss. The final amount is known as the Appraisal Award. The Award is signed by the individuals who agree on The Amount of Loss. However, only TWO of the three individuals need to agree. (An agreement between the two independent appraisers, or the umpire and either appraiser) Once any TWO of the three individuals on the Appraisal Panel sign the award… the dispute is over! The amount on the Award is binding and is paid by the insurance company, to the policyholder.

Can I Use An Insurance Attorney To Dispute My Claim?

The Appraisal Clause was initiated to lower the number of lawsuits filed against insurance companies. The courts found that many lawsuits were entering the legal system where the cost to repair or replace damaged property was being disputed. In many cases the suits were being resolved when professional engineers and contractors could address the issues. The Appraisal Process was created to get such individuals together and keep these disputes out of the courtroom. Assuming you acquired an estimate of repair to your property for $100,000, from a contractor or insurance claims expert. Your insurance company has created an estimate for $30,000. This would be a clear dispute between the amounts of damage. This type of dispute is exactly what the Appraisal Clause was developed to resolve.

The clause allows parties on both sides of the insurance policy to dispute their differences using this less costly provision. Let’s face it; the courts are filled with lawsuits. The Insurance Appraisal Process allows for the dispute to be settled out of court. Using Insurance Attorneys and lawsuits can have insurance claims tied up in court for years. The Appraisal Provision was designed to keep these disputes out of court for a less costly and timelier resolution.

Insurance Claim Attorneys will usually represent policyholders for bad faith practices. Bad Faith is a whole other issue and sometimes happens after the Appraisal Process has been completed. Bad Faith claims are for much larger suites against insurance companies when it is alleged that they did not act with good faith of the policy they sold to the policyholder. In summary; disputes between the amount of damages and repairs will follow the Appraisal Process before entering into the legal system. Many Insurance Attorneys will also advise the policyholder to engage in the Appraisal Process before any lawsuits will begin.

How Do I know if the Insurance Appraisal Process is a Good Option for My Claim?

If the Appraisal Clause is in your policy then it is always an option. However, it’s wise to point out that Appraisal is usually an option when there is a substantial difference in the amount between the two estimate totals. For example; let’s say a fire completely destroys a house and the homeowner’s personal property within it (Known as the Contents). The differences between what the insurance company wants to pay and what you wish to receive is $5,000. In this situation, the Appraisal Process is not the best idea. After paying the fees involved for the appraisal, you may not end up with much of the $5,000 being disputed.

Now, if we take the same fire that destroys the property and the dispute between the policyholder and the insurance company is $40,000, appraisal should be considered. The policyholder now has a chance to recover substantially more money than originally offered.

Also, the Appraisal Clause is only applicable if a dispute arises from a covered loss. If the insurance company denied the claim as something not covered then this is not a dispute on the amount to repair, but rather a dispute on coverage. For example; homeowners and business policies due not cover floods. Flood policies are purchased separately. So, if there is no coverage for the flood damages then the Appraisal Process is not an option.

Simply put, the Insurance Appraisal Process is to determine the “amount of loss,” to property only. The Appraisal Panel is not to determine coverage, policy provisions, deductibles, how much was previously paid on the claim, etc. Let’s say there was an appraisal for a grand piano that fell off a delivery truck on the highway. The Appraisal Panel’s job is not to determine who’s at fault, the policy coverage limit, if the truck had a registration, or anything other than “How Much is the Piano Worth.”

As with our example earlier, if the insurance company offers a settlement of $10,000 to repair a roof and the policyholder has contractor bids for $15,000, then the Appraisal Process may not be the best option. The Appraisal Process may cost more than the $5,000 that’s being disputed. Unfortunately, the differences in repair/replacement costs are usually much greater. When an insurance company generates an estimate for a claim of $75,000 and the policyholder has acquired professional bids from several contractors of $200,000 or more, its time to invoke the appraisal clause.

Beginning the Insurance Appraisal Process

Either party associated with the policy can invoke the Appraisal Process. However, such a request must be made in writing. Each policy will have a time limit of when this can take place. Even if a claim has been closed for many years, either party can still dispute the claim and reopen for review. It’s recommended that the request to invoke appraisal be sent via certified mail. Once the request to invoke the Appraisal Clause has been initiated, as explained earlier, each party, the insurance company and policyholder, appoints an Independent Appraiser. (If you wish to invoke the appraisal clause in your policy you need to submit a letter to your insurance company. Helping Hands Restorations, LLC can assist you with this process. Contact us today for assistance).

Choosing An Independent Appraiser

It’s important to select an Independent Appraiser that has experience with the damages being disputed in the claim. A person with expert knowledge of insurance claims handling and firsthand knowledge of the damaged property and its replacement cost. For example; a person with expert knowledge of insurance claims handling and with expert knowledge of the Appraisal Process, but with little experience on the costs to replace an antique grand piano may not be the best choice. In the case of a home or building fire; a good Appraiser is someone who can generate their own line-item detailed estimate to repair or replace the damaged property, can secure multiple bids from reputable contractors to back up their findings, knows building codes, and can articulate unforeseen costs of repairs. If a building has historic features with materials like solid Adler doors, large detailed moldings, and custom cabinets, a great amount of research with a salvager may be needed. The Appraiser should have experience with building procedures, materials and the cost of such terms to create an accurate “amount of loss,” to return the property to its pre-claim condition. See, the policy provides coverage to replace the damaged property with those of like kind and quality. An Independent Appraiser that is not familiar with that does not have experienced contractors, engineers, and other experts to consult with about mold, demolition, cost associated with contents, and in some cases, additional living expenses. You should choose your Independent Appraiser wisely. Look and interview someone with experience of the type of damage you have and with the type of property damaged, as well as a specialist when it comes to the Insurance Appraisal Process and also Insurance Claims Handling.

Many people confuse the words Independent Appraiser with that of a real estate appraiser. As you can see, a real estate appraiser is far from what is needed for an Insurance Appraisal. An Independent “Insurance,” Appraiser is an insurance claims expert on costs and processes to repair or replace damaged property. 

 The next question is, “Who will have such knowledge?” People requesting assistance in the past have asked if the following experts with the following backgrounds are good choices ;

Structural Engineers: This person may be a structural expert and could probably provide a good estimate to replace a building, but what about the contents (furniture, food, etc.) damage? Do they know anything about the insurance policy, the claims process, the software used by insurance companies, the Appraisal Process?

Construction Attorney: A Construction Attorney most likely has knowledge of construction contracts and issues that building contractors have. Do they know anything about the insurance policy, the claims process, the software used by insurance companies, the Appraisal Process, the contents damaged? (NOTE: If you retain an attorney as Appraiser, remember, there is NO attorney/client privilege because the attorney is being hired as an Appraiser, not as an attorney.)

Construction Superintendent or General Contractor: Again, excellent choice for generating a structural estimate, but is most likely not familiar with insurance claims… and even more importantly, the Insurance Appraisal Process.

Insurance Claim Attorney / Lawyer: Keep in mind that the process was designed to keep these types of disputes out of court. You can surely use an attorney as your appraiser; however, the fees can exhaust your reward. Attorney’s fees range between 30% and 40% of the amount collected. This will dig deep into the net amount you receive. An Insurance Attorney will also have expert knowledge of the policy. However, the Appraisal Provision clearly notes that no policy provisions will apply. Has the attorney represented their clients in many appraisals or mostly in court cases? How familiar are they with the Appraisal Process, building costs, construction practices, the contents damaged? Does the attorney know anything about the software used by insurance companies? (NOTE: If you retain an attorney as Appraiser, remember, there is NO attorney/client privilege because the attorney is being hired as an Appraiser, not as an attorney.)

Independent Insurance Appraiser: Doesn’t it make sense to hire an individual who is an expert of the process in which you are about to engage? You’ve heard the expression, “Would you go to your auto mechanic if you needed brain surgery?” It is highly recommended to use a qualified, professional, Insurance Appraiser. This professional will already know the Insurance Appraisal Process. They will also have qualified professionals (engineers, contractors, inspectors, etc.) at there disposal to back up their analysis.

Regardless of background, an Independent Appraiser will also require good communication skills and agree with the position they are defending. They should know about the insurance policy, the claims process, the software used by insurance companies, the Appraisal Process, contents damage, structural damages, building costs and processes, as well as materials and building codes. Makes sense, right?

Advantages to the Appraisal Process

There are several advantages to the Insurance Appraisal Process. The most obvious is costs. Insurance Attorney’s will usually charge 30% to 45% of the total award. On a $200,000 claim, the attorney’s fee would be in the range of Sixty to Ninety-thousand dollars ($60,000 to $90,000). That can hurt a policyholder trying to rebuild their life. Remember, the Insurance Appraisal Process was designed to keep these disputes out of the courtroom.

The advantage of invoking appraisal allows for a less formal or non-legal proceeding. An Independent Appraiser usually charges in the range of $125 to $200 per hour. Using the same example above with an award of $200,000; if the dispute took 25 to 50 hours, the cost would be in the range of Five Thousand to Ten Thousand dollars ($5,000 to $10,000). This can be a significant difference.

Another advantage is time. The courtroom can delay an insurance claim dispute for years, where the Appraisal Process usually only takes a few months. Sometimes it can last longer depending on the complexity of the claim. However, the courtroom will most certainly be longer. The result of less time and less cost becomes a less of a burden for both sides of the dispute.

Once an award is signed the insurance company has 30 to 60-days (depending on state) to settle the award.

Should I Demand Appraisal?

When the dispute is real and the damages are real, the policyholder usually see’s a greater return at the end of the appraisal. If the policyholder’s claim is supported by an Insurance Claims Expert, building or repair contractors, or an engineer – and the amount of money between the two estimates is large, the Appraisal Process is a no-brainer. However, if a contractor or Public Adjuster is trying to beef-up the damages for their own benefit, then it’s the policyholder that pays dearly for it. If you’re considering invoking appraisal on your claim you should consult an insurance claim expert to see if it’s worth your time and effort.

Being that the Appraisal Award is binding, the policyholder should be sure before they cost themselves unwanted anguish. If the outcome of your Appraisal Award is not what was to be expected, both parties must live with the result. As stated, the Appraisal Award is binding on “both parties.”

At the end of the day nothing is risk free. There are no promises or guarantees with the outcome of any Appraisal. However, if you have a dispute over $20,000 you’re more than likely to have a result you can live with. Do your homework and remember to choose an Independent Appraiser that is educated and experienced with the type of damages you have, what caused the damage, and the type of property damaged. Keep in mind that this is “YOUR” property and “YOUR” insurance policy. Your policy protects you with the Insurance Appraisal Process, so that…

The Playing Field Remains Level, and The Process Works Fairly For Both Parties… Not Just The Insurance Companies!

Why A Homeowner Needs A Contractor in Dayton, OH

So why does a homeowner need a contractor in Dayton, OH? Why our role is so important.

When a homeowner files a claim for roof damage, the insurance company assigns an “adjuster” who represents the insurance company to come inspect the property to decide whether or not it is damage that is covered by the policy, and also to discern what amount of money will be allowed to repair the damages. Like any field, there are people who are good at their jobs and people who are not so good. It’s like waitresses at a restaurant; sometimes you get a real doll, sometimes you don’t. The problem is, if an inexperienced, unknowledgeable, lazy, or cranky adjuster is assigned to your claim, do you really get a fair assessment of the damages? Probably not. Large hail and wind storms affect thousands and thousands of homes, and there are only so many adjusters available to process all of the claims. Even the greatest and fairest adjusters are dealing with up to or 12 claims per day, seven days a week for months on end, and when they are that busy, it’s hard for them to be as thorough as they should be.

This can result in overlooked damages, missing items on estimates, mis-measurements, and other mistakes that lead to an inaccurate or unfair assessment for the homeowner’s claim. Let’s say a homeowner files a claim, and their insurance adjuster comes out and says there’s no damage on their roof. How does the homeowner know that’s correct? Your average homeowner is not going to get on their roof to double check, and even if they did climb up on the roof, they have no idea what they’re looking for.

Let’s say the adjuster does approve the roof to be replaced, and writes a check to the homeowner to get their roof repaired. The homeowner is happy, but how do they know that everything that was supposed to be paid for was actually paid for? What if the check is not enough? So what’s the solution? If the adjuster is there in the best interest of the insurance company, and there’s no second professional opinion, the homeowner is really at a disadvantage, and is in a position where they can only hope they get a fair and accurate assessment from their insurance adjuster.

Who represents the homeowner? You would never go to court without a lawyer, right? If the adjuster is there on behalf of the insurance company, then a contractor should be there on behalf of the homeowner. Insurance companies are businesses, and like any business, they exist to make money.

Therefore, does an insurance company want to pay as much money as possible on claims, or as little money as possible on claims? Obviously they want to minimize their losses, and it is in their best interest financially to pay out less money in claims. On the other hand, contractors would love for estimates to be as large as possible, because it is in their best interest financially. So if the adjuster is present on behalf of the insurance company who would rather pay zero dollars, and the contractor is present on behalf of the homeowner who would rather have a ten-thousand-dollar claim, they can meet in the middle and negotiate a fair and accurate settlement that is fair for all parties involved. That way the insurance company upholds their contract with the homeowner, the homeowner gets enough money to get the repairs done, and the contractor gets paid what they are deserved for the work that they do.

If your Insurance Company is giving you the runaround, or you are getting ready to file a claim, call Helping Hands Restorations, LLC today to schedule your FREE inspection and let our experienced team go to work for you!

 

Xactimate: Are You Leaving Money On The Table?

The beauty of spring in Dayton, OH is often tempered by powerful storms, with heavy rains, strong winds and destructive hail. Through it all, your home protects you from the elements, but unfortunately your roof and building exteriors are susceptible to storm damage. Your roof might be the area of your home most vulnerable to damage in a storm, because so many things can impact it.

If you have experienced storm damage, it’s important to identify the damages quickly and determine if an Insurance Claim is necessary. If you decide to move forward with an Insurance Claim, make sure you hire a local Dayton, Ohio Insurance Restoration Contractor willing to help with the claims process, such as Helping Hands Restorations, LLC. The cost for repairs for your home is then determined through multiple negotiations between Helping Hands Restorations, LLC and the Insurance Company using a software called Xactimate.

What is Xactimate?

Xactimate is the software most commonly used by property adjusters to write their estimates, which are key components in the claims process. Xactimate is able to generate a cost-estimate to accurately depict what is required to return property to the pre-damage condition. It uses a sophisticated Sketch function to accurately determine all dimensions of your property’s interior and exterior. Xactimate then pulls pricing from local sources to accurately identify the amount and cost of each material required and the cost of labor to properly complete your project. More Insurance Companies require Xactimate be used by their property adjusters than any other software on the market.

Xactimate and Contractors

Contractors and builders generally do not use Xactimate – they base their cost estimates on sub-contractor bids and their general knowledge about the costs and time involved in a potential job. Many contractors/builders are unfamiliar with Xactimate. So if your contractor/builder is participating in settlement discussions with you and the Insurance Company’s Adjuster, he or she may be at a disadvantage. In addition, it is hard to compare an Xactimate estimate “apples to apples” with a more traditional contractor/builder estimate based on sub-bids.

This is where hiring Helping Hands Restorations, LLC can put you in an advantageous situation when dealing with your Insurance Adjuster. Unlike most Contractors in the Dayton, OH area, Helping Hands Restorations, LLC has over 15-years of experience using Xactimate to negotiate with Insurance Companies on our customer’s behalf. Because we use the same software, we are able to ensure that the fair market value in the Dayton, OH area reflects up-to-date market conditions. We are also able to ensure your Adjuster did not miss any necessary line items, and we compare our Xactimate estimate with the Insurance Adjuster’s Xactimate numbers to make sure they are sufficient to reimburse you for the actual cost of repairing and replacing the damage done to your home during the recent storm.

Beware of contractors who claim they can repair your roof for less than the insurance estimate.

When storms hit, your home and life can be turned upside down. You’re eager to get your home repaired, but be careful because some contractors aren’t really there to help. Xactimate pricing determines the fair market value for each line item. Fair market value insurance coverage is the price a willing buyer would have paid the seller in a free market. The pricing isn’t something the Contractor makes up; it is the same as what the insurance company utilizes. So, assuming the Adjuster agrees the damages are valid as an insurance claim and they agree with the components/process laid out in your Xactimate estimate for the repair process, the rate/charges are pretty much established. So, if you have a contractor offering to repair or replace your roof for less than the recoverable cash value for your claim, then most likely they are using inferior materials or performing shoddy work that is not up to code in order to make profit from the project. Leaving you with an improperly installed roof, a voided warranty because they didn’t install the necessary components and a headache down the road because their substandard work won’t hold up.

How do you know that you will have an accurate estimate for the repair or replacement of your roof or building exteriors?

Proper training is essential with Xactimate®, and if your adjuster and/or the contractor you have hired to create an Xactimate® estimate for your property does not know how to use the software properly, the result will probably be inaccurate. Generally, it will be on the low side.

Xactimate®’s pricing is often too low and too generic. The pricing is based on a median survey that does not always reflect up-to-date market conditions. Your insurance company is likely to turn an Xactimate® estimate into the settlement offer they make to you. That means that if the basis of that estimate was inadequate or incomplete, the resulting settlement offer will leave you short of what you need to return your property back to pre-damage condition.

The best approach to getting a fair claim settlement is for a property owner or their representative to get an independent estimate for repairing or replacing damaged or destroyed property from a reputable local construction professional who is trained in Xactimate. This will level the negotiation playing field for the property owner.

If your estimate cannot be compared apples to apples with an Xactimate® format, you will have a hard time convincing an insurance company to pay what you are owed. If you authorize Helping Hands Restorations, LLC to advocate on your behalf, we will make sure that you don’t leave money on the table. We will ensure that you receive the repairs or replacement that you are entitled to under your Insurance policy.

What is a Supplement?

Xactimate® estimates look impressive because they are well-organized, professional-looking and lengthy, but as stated above, they are often inaccurate. A computer cannot replace the knowledge of a local, experienced construction professional as to the materials, time and labor costs associated with a job. Not only that, but many times hidden damages are discovered once the repairs have begun. A competent contractor will supplement an Xactimate® estimate with items the Insurance Adjuster missed in the scope of work to be completed. The Insurance Company will not tell you the claims process, but Helping Hands Restorations, LLC will. Since we use Xactimate, it is easy for us to price any additional damages found during the repair process and justify any additional increase in cost to your Insurance Company. We can almost always work something out with the Insurance Adjuster. We will submit the supplement with documentation in the form of pictures, measurements and paperwork. The Insurance Company will review the supplement and upon approval, send a check for the additional monies needed to make the necessary repairs.

Don’t leave hundreds or even thousands of dollars on the table

Involving Helping Hands Restorations, LLC prevents you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied. With Helping Hands Restorations, LLC you pay no out-of-pocket expense other than your insurance deductible. We agree to accept what your Insurance Company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement. You will also benefit from upgrades that we typically include in all of our projects, such as upgrading your roof from 3-tab shingles to architectural shingles, adding to your home’s curb appeal and property value, at no additional charge.

Hire Helping Hands Restorations, LLC today as your authorized contractor, and we will make sure that you are properly funded and that the best products in the industry are installed on your home. Call us today at (937) 215-8663 or schedule your Free Roof Inspection HERE.

Roofing – Understanding Storm Damage Insurance Claims Process

Have You Had Recent Wind, Hail, or Storm Damage To Your Roof or Property? 

Here is some information to help you better understand the process of filing an insurance claim for roof and storm damage.

FAQ: Roofing and Storm Damage Insurance Claims Dayton, OH

I DON’T SEE ANY HAIL DAMAGE. WHAT’S ALL THE FUSS ABOUT?

Hail Damage can’t be seen very easily most of the time. You usually will never see actual holes or indentations in the roof. Hail will drastically shorten the life of your roof. Even many roofing contractors do not know what to look for when it comes to hail damage.

If you have damaged siding, vehicles, or have noticed neighbors getting their roofs replaced, more than likely you have hail damage as well.

UNDERSTANDING HAIL DAMAGE

Hail can damage your roof without any visible signs from the ground. Hail normally has to be the size of a golf ball before it will break through your roof or cause bruising. Sometimes these damages do not show up quickly or are easily overlooked. The integrity of the shingle may be damaged, do not take a chance on it. If hail is driven by high winds or if it lasts longer than a few minutes, even small-sized hail can cause your roof to suffer severe damage and the loss of their protective granules, which will greatly reduce the life of your roof. Loss of granule layers will leave the shingles exposed to the suns UV rays. This will cause serious deterioration of the shingle in a short period of time.

Hail and high winds can cause serious damage to your roof and exterior of your home. An evaluation by one of our trained Inspectors can verify the extent of your damages and outline the means by which they should be repaired or replaced. There are a lot of good roofers around that have no clue how to inspect for hail damage or work an insurance claim. You need a professional working on your side.

WILL MY RATES INCREASE IF I FILE A ROOFING CLAIM? 

No. Homeowners Insurance does not work like Auto Insurance. You will not be penalized for filing a claim. Rate increases are based on your geological location. If you are in an area that has sustained substantial storm damage, your rates may increase even if you do not file a claim.

If you had hail or wind damage in your neighborhood, CALL US! We want to be present when the adjuster comes out to do his/her inspection. It is your legal right to have a professional represent you during the inspection. Do not rely on only your adjuster’s inspection. The adjuster works for and is paid by the insurance company, and they are not in the business of writing checks. In many instances, if you do not have a contractor there representing you, they will try to claim there is not enough damage, or will give you a very small settlement for “repairs” even though your damages are sufficient enough for a full roof replacement. You need a professional contractor present at the adjuster’s meeting to advocate for you to make sure you get fully funded for the best roofing system possible. 

Ask yourself these questions:

  • Do you know what the insurance should pay for your damage?
  • Are you aware of the local codes pertaining to roof replacement?
  • Did the insurance adjuster pay for everything to bring your home up to code?
  • Are you sure the adjuster didn’t miss anything?
  • Are you sure the adjuster measured correctly?
  • Are you sure the adjuster paid ‘Fair Market Value’ for your area?

THE INSURANCE INSPECTION

The adjuster will look at your property during working hours, so you probably won’t be home when the adjustment is taking place, which means you have no input in the matter. We ask that you allow us to represent you during the inspection. The adjuster will inspect your roof and exterior of your home for visible signs of damage only. For the roof, he will measure out a “Test Square” (10′ x 10′) on different sections of your roof. If he can find a sufficient amount of bruises or breaks for each “Test Square”, the insurance company will pay you for a new roof.

MY INSURANCE ADJUSTER SAID “NO DAMAGE”

It is possible that your roof was the only one on the block that wasn’t damaged. And it is also possible that the adjuster is new and missed identifying the damage. We have had several roofing claims that we were able to get the insurance to buy, after previously they had denied. You are entitled to a re-inspection by another adjuster within the same firm. So, if you’re not completely satisfied with the results of your claim, don’t settle. Ask for another inspection. Let us work for you in getting what you deserve.

DISCREPANCIES

Most occur when the adjuster has not assessed the same amount of damage as the contractor. Whether it is for the roof, gutters, siding or other exterior or interior damage. So if you have interior damage or other hard to see damages that can be easily overlooked, chances are the adjuster will probably miss it. This is another reason that you need us to represent you during the inspection.

You are entitled to have your contractor of choice represent you during the adjustment process to expedite the settlement of your claim. In order to save you time off from work and the headache of the entire process, we ask that you allow us to represent you during the inspection process. We will work with your adjuster to determine the extent of the damage, clarify pricing and offer a repair/replacement price agreeable to the insurance company. All you pay is your deductible. Let us work for you in getting a fair and amicable settlement.

HOW THE INSURANCE COMPANIES PAY ON CLAIMS

In most cases, about a week after the adjuster has estimated your property, you will receive your first check. This is most commonly called the ACV. (Actual Cost Value)

This check should represent the actual cost to repair or replace the damaged property, MINUS DEPRECIATION. Depreciation is a misleading term. Many think that the first check they get from the insurance company is the only money they will get.

When work is completed, the insurance company will issue a 2nd check for the RECOVERABLE depreciation amount only if the total expenses are equal to, or greater than the total settlement.

Many homeowners never get the depreciation amount back because they do not understand the process or the contractor they chose didn’t understand the proper procedures.

Example:

The insurance company has allowed you $5,000.00 to replace your roof.

Your deductible is $500.00

Your total withheld recoverable depreciation is $2,000.00

So your first check from the insurance company is $2,500.00.

If you choose a contractor to replace your roof for $3,500.00, your 2nd check from the insurance company will only be $500.00 because:

“if you have replacement cost coverage, you may be entitled to the withheld recoverable depreciation after repairs have been completed, provided the cost of the repairs exceed the amount of your deductible and your initial claim payment”. – statement on insurance claim payments.

Beware of roofing companies that advertise no deductible.

You are not allowed to profit from a loss. Insurance fraud is a class 3 felony punishable by up to 10 years in prison and fines up to $5,000.00!

Due to the amount of recent storm damage claims in Ohio and ‘shady’ roofing company practices, Insurance companies are now auditing 1 out of every 3 claims. If you profit in any way from your insurance claim (such as not paying your deductible, or pocketing any insurance money) you and possibly your contractor are committing fraud. Your paperwork from the insurance company clearly states what laws apply to your claim, so there is no “I didn’t know” excuse.

We can provide our customers with options to help with your deductible such as In-House Payment Plans and Paying You For Referrals. Ask one of our consultants for more details.

DO I NEED TO GET TWO OR MORE ESTIMATES FOR MY ROOF?

  • No. Your insurance company has a defined price list they use. More than likely it is Xactimate software, which is the same software we use, as well as most roofing companies that specialize in storm damage. The Insurance will only pay actual costs for repairs (according to their price list), regardless of what prices you may get. However, Xactimate pricing is updated monthly, and it’s very likely the adjuster is using an out-dated price sheet. If that is the case, we will send them a supplemental invoice with the corrected prices.

Think of it this way. What reward will the insurance company give you for finding the lowest price for them? Will they lower your premium?

Your insurance company will pay a reputable contractor only “Fair Market Price”.

Example of 3 different Roofing bids:

  • COST OF ROOF IS $5,000.00 YOU PAY DEDUCTIBLE ($500.00) YOUR INSURANCE COMPANY PAYS $4,500.00.
  • COST OF ROOF IS $6,000.00 YOU PAY DEDUCTIBLE ($500.00) YOUR INSURANCE COMPANY PAYS $5,500.00.
  • COST OF ROOF IS $7,000.00 YOU PAY DEDUCTIBLE ($500.00) YOUR INSURANCE COMPANY PAYS $6,500.00

ALL YOU PAY IS THE DEDUCTIBLE AMOUNT REGARDLESS OF THE PRICE, SO WHY NOT GET THE BEST ROOFING SYSTEM POSSIBLE?

You are only saving the insurance company money and costing yourself quality when you get several estimates. You need to make a decision on which contractor you use based on who you feel comfortable with and their reputation, and experience in roofing and insurance claims.

DO NOT MAKE YOUR DECISION BASED ON PRICE.

All your doing is compromising in quality of the roof and not saving yourself any money, besides, what reward will the insurance company give you for finding the lowest price for them? Will they lower your premium? OF COURSE NOT.

WHICH ROOFING CONTRACTOR SHOULD I HIRE?

Only choose a Local Roofing Contractor willing to help with the claims process, the cost for repairs for your home is then determined by the insurance company and the contractor. Helping Hands Restorations, LLC has successfully mastered the storm damage insurance claims process and we have helped many local families get approved for a full roof replacement, even when they thought it was impossible. On top of that, we always install top quality materials, install the roofing system to manufacturer specifications, and all of our customers receive a unique “IRON CLAD” PROTECTION warranty from the manufacturer. We have extensive experience in working with insurance companies to replace your Storm Damaged Roof, Siding, Windows, Gutters and more. Call Us Today! Or, visit our website to learn more about the services we offer here at Helping Hands Restorations, http://www.hhrdayton.com/.