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How do I know if I have Hail Damage to my roof or siding?
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| You should notice damage to your siding or windows in the way of dents or holes produced by the hail impacted the affected materials, your roof will have bruising or (hits on the shingles) |
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How much damage do I need to file an insurance claim?
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| Your insurance company owes for any damages to your property as a result of hail or storm and owes to put you back to a pre-loss condition. |
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- How much damage do I need for my insurance to pay for my roof or Siding?
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| Most insurance companies require that 6-8 hits are in a 10 ft x 10 ft square on each slope of your roof. All other materials are usually replaced on an actual physical damage basis. |
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- What does Hail Damage look like on my roof?
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| In most cases it will look like dark spots or bruises on the face of the shingles. |
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- How does the insurance pay for damages?
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| They insurance will pay to replace or repair all damages causes by direct loss as a result of a storm or hail that does damage to your dwelling or personal property and owes any monies over what your deductible is on your policy. |
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- How does my deductible work?
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| When you purchased your insurance you selected a amount that you agreed to be liable for (ie $500 or $1000) your insurance will pay for all damages over that amount. Example – if your deductible is 500 and you sustain a loss that is adjusted at $6000 then you would receive $5500 from your insurance and you would be responsible for the difference of the $500. |
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- How can I pick a reputable contractor?
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| Do your homework, Do your homework, Do your homework and look for a contractor that is experienced with dealing with insurance repair claims. Has a good rating with the BBB, look at the company history, and check references. Be sure they have insurance and carry workman comp insurance as well. |
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- Will my insurance cancel me if I turn in a claim?
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| Your insurance will not cancel your policy just for filing a claim. It is considered an act of God when storm damage occurs and is at no fault to your own. |
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- Will my insurance premium go up?
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| Premiums are figured on a regional basis and just because you file a claim doesn’t mean the insurance lost money as a whole so sometimes they may actually go down depending on how the insurance companies profit are for the region or the entire area may go up including your premium even if you do not file a claim. |
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- How does the process work?
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| Your first step if you have damage is to file a claim, you should receive a estimate from you insurance and you should have a rep from the contractor go over this estimate and go over all damage to be sure nothing is missed and that all parties are in agreement with settlement from the insurance. The next step would be to sign a contract and describe all work to be performed and go over the schedules and material to be used. Once all the items have been agreed then the contractor should start the work and get material located and ordered. |
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- How do I pay for the services?
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| H&R requires no money up front to start your job, usually the insurance will send a payment called the ACV amount and that will need to sometimes have to go to your mortgage company. Once they receive it they will usually send out 1/3 payment and inspect the property to be sure the work have been completed per the scope of damages and contract. At these intervals is when you pay and at no time thru the process should you be out of pocket any monies except your deductible. |
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- How long will it take to get all the work complete?
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| Most roofs take 1 day to complete and if siding or gutters are involved then they would be completed after the roof to prevent damage to these material during the roof process. H&R usually can complete most jobs that consist of roof, siding, gutters in about 1 week depending on the availability of materials and weather. Sometimes there are delays that are unavoidable and if such conditions occur then all parties are made aware and change orders issued if necessary |
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- Should I take 3 or more estimates?
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| It is not necessary to take 3 estimates if your insurance is sending out an adjuster and providing a estimate, it is important to have a reputable contractor that is familiar with this type of estimate and able to go through the estimate to be assured that the insurance didn’t forget anything. If you work off the estimate that is provided by your insurance then if things are missed it is much easy to have the insurance pay for these items and it also protects you from paying out of pocket for items that your insurance may not cover. |
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- What do I do to file an insurance claim?
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| You should contact your insurance agent or the insurance company. Tell them you have sustained damages to your home and remember to write down your claim number and ask what your deductible is. |
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- What type of shingle do I have?
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| In most cases you’re most likely have a composition shingle on your home but a representative from H&R can clarify this for you at the time of inspection. |
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- Should I show the contractor my estimate from my insurance?
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| Yes, doing this insures that your insurance is paying for all the damages and that you are not going to be out of pocket for any items that the insurance doesn’t cover. |
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- How do know if my insurance is paying me enough for my damages?
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| Most insurance companies and contractors familiar with doing insurance work use a estimating software program that uses current market conditions for your area. These estimating programs are very accurate and update monthly to assure the prices are correct. The only thing you must be sure of is the actual amount of damaged items and if all items are accounted for then your estimate should be very accurate. H&R has trained reps that are experienced with dealing with insurance companies and understand the entire claims process to be sure these items are estimated correctly. |
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| ACV stands for actual cash value and is the adjusted amount of your claims minus the wear and tear and normally deprecation of the materials on your home. Example ( Your claim is adjusted at $10,000 you have a roof that is 10 years old, your insurance company will deprecate the roofing materials by 10yrs so you should receive roughly 20% off the actual adjusted amount so you would receive aprox $8000. |
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| RCV stands for replacement cost value, if you have a replacement cost policy which most homeowner do. You will receive the ACV payment up front and once all the work is completed your insurance will send out the remainder of the depreciation that was held back from the ACV payment issued originally. |
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- Is my roof too old for the insurance to cover any damages?
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| In almost all cases your insurance will pay to replace you roof regardless of the age they owe to put you back to pre-loss condition and if you have a RCV policy then they owe to give you a full replacement regardless of the age of your roof. |
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- Why did my neighbor’s roof get replaced but mine did not?
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| A lot of different variables come into consideration when determining if a roof has enough damage to justify replacement, Roof Pitch, Age of the Shingle, Type of Shingles, Trees that Shield the roof, the hardness of the Hail, are all factors that must be considered. Also the person who inspects the roof my not have enough experience with Hail damage and may not know what they are looking for. This is way your should have a rep from H&R to give you a free inspection to see if they is damage and give you a honest evaluation of the damages and advise you on how to handle your claim and deal with your insurance to resolve any issues. |
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| H&R’s main office is located on the south side of Indianapolis and serves all of central Indiana and surrounding counties. We also cover most of the state of Indiana when major Catastrophes occur and setup Satellite offices for areas that are affected until our services are no longer needed. H&R specializes in the insurance repair industry and travels throughout the state to help our customers and provide and much needed services when conditions warrant. |
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- What services does H&R provide?
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| H&R is a full service construction repair company that handles all aspects of residential and commercial repair needs. We have trained staff to handle all trades involved with completing your project and we specialize in the insurance repair industry so you can rest assured that you get The experience your need with the service your deserve. |
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- What if I choose to do some of the work myself?
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| Although H&R does all aspects of your project there are almost always so instances that you would want to complete some items yourself either to help cover your deductible or to save monies on your project. On our contract we simply state any work not performed by H&R goes back to the homeowner and since we use a itemized estimate you can see what has been completed and what you may want to do yourself. |
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- Why would the insurance owe for my roof?
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| If your roof sustains damage from a hail storm, the hail impacts the shingle and during this process it bruises or causes the granules to detach from the shingle. The granules are adhered to the shingle to prevent UV light from the sun from drying out the asphalt that makes up the shingle. If the asphalt dries out it will crack and if this occurs then the shingle will possibly leak in the future and void the Manufactures warranty. For this reason alone is why your insurance owes to replace your shingles. Your shingles have been compromised and void the warranty at this time and should be replaced. |
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- Should I upgrade my shingles to a 30yr or more?
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| H&R’s position on this is that a 30 yr laminated shingle is the best value for the money. It offers the most protection for the money spent. A 30yr laminated shingle is basically 2 30 yr shingles that are laminated or glued together. This process actually make the shingle a double thickness on almost 50% of the shingle and really makes the shingle twice as durable as a standard 25 3tab and in our experience when compared side by side with a 3 tab shingle it holds up approximately 70 % better when hail impacts the roof as compared to standard shingles. |
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