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While wind and hail damage can often be detected by missing shingles or leaking roofs immediately after the storm, sometimes it can take many weeks or months after the storm to realize the damage. In these cases, you should get an XPROQUO expert’s opinion on the extent of the damages.
No you don’t. Most all policies are replacement cost policies, which means your insurance company will pay you the cost to replace your roof even if you are only get one estimate. They might encourage you to get three estimates, but it is not necessary. XPROQUO uses the same program Xactimate as the insurance to figure pricing.
The National Roofing Contractors Association (NRCA) suggests that you inspect your roof 2 times per year. XPROQUO inspects you roof 4times a year and after every storm.
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All homes and business’ generate a lot of moisture. Moisture is similar to heat and rises to the top. Since moisture can do a lot of damage to any building, it needs a place to escape so that it doesn’t rot your roof.
Buildings are equipped with a ventilation system which includes ceiling fans, vents and ridge vents. This ventilation system allows air flow to keep the moisture from damaging the top of the building.
The simple answer is yes, you can shingle over existing shingles.
However, it is only recommended to do this if there is only one layer on their currently.
Also, it depends on the condition of the current shingles.
If they are worn out and damaged, water could seep through the new shingles and the old shingles will not provide the protection needed to keep your house or business safe from the elements of Mother Nature.
This question can be best answered by a XPROQUO Consultant after an inspection.
The signs to watch for are discoloration, pitting and dislodged asphalt granules that leave the fiberglass and asphalt exposed to the elements.
If you are concerned your roof may have suffered hail damage first check your insurance policy. Next call XPROQUO and have an adjuster come out and evaluate your roof.
Most homeowner’s insurance policies cover roof replacements due to acts of nature such as hail, wind, rain and fire. If you are looking to simply upgrade the materials on your roof, most likely your homeowner’s insurance policy will not cover these expenses.
Insurance companies are permitted to recommend preferred restoration vendors, however they can not require you to use a specific firm. You can choose to work with XPROQUO or any licensed restoration contractors.
Emergency restoration work is conducted immediately after a loss has occurred. During the emergency stage we will follow a damage mitigation process to halt and contain the spread of further damage, which may include removing wet or contaminated building materials, completing the structural drying process, testing for hazardous materials, and demolition. The restoration repair is the reconstruction work that returns your home to its pre-loss condition.
Once the emergency work has been completed, we will prepare a cost estimate for the restoration repair work, and submit it to your insurance company for approval. Once we have the go-ahead, the restoration repair process will begin.
When we provide an estimate, we allow for materials and products of a “Like Kind & Quality” (LKQ) to replace the original materials which were damaged. If you choose to make upgrades or changes that deviate from the original materials, a change order must be approved by the property owner, the Project Manager, and in some cases, the insurance adjuster. If a change or upgrade has an associated cost increase, a separate estimate will be prepared and the difference in cost over the LKQ repair will be payable by the homeowner.
XPROQUO likes to be as candid and honest with customers as possible. Some adjusters would just say, “That’s not my area of expertise.” I like to give people an answer that will actually answer their question. The answer is that filing a claim will NOT cause your homeowner’s premium to increase. Contrary to what many people believe, they associate having one claim filed with their rates going up. The fact is that claims don’t dictate the premium with regards to homeowner’s insurance. Homeowner’s insurance does not act like auto insurance. Auto insurance has dozens, sometimes hundreds of tiers for premium rates. Your claim history, citation record, points on your license, and various other things contribute to the tier that you are placed in and the premium you pay.
Homeowner’s insurance focuses more on the region that you live in. The number of catastrophes your area has suffered in the past few years, the potential risk in your area, the type of residential home, and the amount of coverage you buy, and other factors dictate the bulk of your premium. Filing one claim will not spike your premium. Now, your premium may go up in the subsequent year, but do not put two and two together. Insurance companies are more concerned with the amount of claims you have filed in a given period. If you make three claims in one year, they will most likely drop your policy altogether, not raise your individual premium. The premiums are usually raised in bulk for a given region, not individually, and insurance companies can only submit rate increases once per year.
So, if you have a loss with significant damage, the right thing to do is file the claim. After all, you’re paying a premium every year, why not use your insurance for what it’s designed to do?
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Permits are issued to the person, owner or contractor who shall physically perform the work for which the permit was sought. Contractors shall have a valid and current registration, or license, before applying for a permit.
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