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Roofing Insurance Claim Tips

Roofing Insurance Claim Tips

Emergency Roof Repair Services

To a residential insurance policy business, the roof is the most crucial component of your residence. In more than 90 percent of hailstorm or high-wind cases, there is a payment family member to the roofing cover, according to the Insurance Institute for Business and Home Safety.

Figuring out that your roof covering has to be replaced or fixed can be bothersome for lots of home owners. Taking care of insurance policy cases, speaking with insurance adjusters and seeking compensation for all covered problems is a complicated procedure. Several home owners are just unclear how to file a claim, where the procedure can be troublesome, what sorts of paperwork they require, or what to anticipate.  We’ll try to help in this article by offering some roofing insurance claim tips.

Roofing Insurance Claim Tips That Will Make Things Easier

Know Your Policy Coverage

Some policies will use roofing damage coverage up to the depreciated worth, no matter the age of your roof covering. Other plans will cover the price of repair or replacement at the time of the insurance claim, despite the age .

The most critical thing to understand is what’s covered and what’s not.  This is done by calling your insurance policy service provider.

If your roofing system is less than 10 years old, you may be covered entirely for the expense of fixing or replacing the damaged area at the time of the claim. If your roof covering is more than 10 years old, you may only receive compensation for the depreciated value of the damage.

Produce Documentation

To simplify the claims procedure and help in getting the appropriate compensation for your loss, take a collection of “past” pictures of your roof covering as well as outside your residential or commercial property. Having all of these details on file will help make your claims procedure problem-free and as smooth as possible.

Pick a Roofing Contractor with Insurance Expertise

Look for roof repair contractors with experience in supplying roofing system estimates for insurance policy cases and also assisting customers navigate the procedure of obtaining their roof repair service to be covered by their insurance policy company.

If your roofing system has been damaged, you should get an evaluation by a roofing contractor as soon as possible. Figure out the degree of the damages immediately. This will help accelerate the claim and help prevent more issues that wouldn’t be covered under your plan.

Your professional roofing contractor should help you navigate your claim with your roofing company’s procedures. Look for service providers with experience in offering roof covering estimates and insurance coverage cases.

Emergency Roof Repair Contractors

Mikku and Sons Roofing has been helping residents throughout Phoenix since 2001. Our experienced and friendly crew members can inspect your roof and help you get it ready for the monsoon season to help you reduce the risk of damage. But, if your roof does have damage due to monsoon storms, we are ready to help you with quick and complete roof repair. We have experience in all types of roofs, including tile, shingle and flat roofs on both personal residences and commercial property. We are fully licensed and insured and make it our mission to provide quality workmanships and exceptional service.

Call us today at (623) 465-1068 to find out how we can help you prepare your roof for the coming monsoon season or to repair it after a storm.

Request Your Free Estimate

Get Your Roof Ready for Storms

Get Your Roof Ready for Storms

Don’t Brush Off Bad Weather

Because monsoon storms are a way of life in Arizona, homeowners will brush off the news of bad weather, panicking when they realize the impact might be more than they thought. No matter which roofing system you have, your roof needs to be ready in the event of a severe wind storm, or simply daily onslaught of the quite violent monsoon summer thunderstorms. Even if you aren’t hit with hurricane-force high winds, one thing is sure: your roof will get its share of rain, dust and wind before the end of the season.

It’s best to start getting your property and roof ready now. Here are a few helpful tips to make sure you, and your roof, are able to make it through any monsoon storm.

Here Are A Few Things You Can Do To
Have Your Roof Ready for Monsoon Storms

1

Secure All Doors and Windows

If there’s debris flying through the air and a window breaks, the pressure inside your home will dramatically increase, and your roof becomes just like a big parachute. To avoid this, make sure your doors and windows are tightly secured and locked during the peak of the storm.

2

Take Inventory of your Property

You might have some damage after a monsoon storm. You want to be sure you’re prepared for your insurance company when they send their adjuster out to your property. Be ready by taking photos and videos that you can show to an adjuster.

3

Secure Loose Objects in your Yard

Anything that can fly through the air and damage your home, or any other house nearby, should be secured or moved indoors. Patio furniture should be stored in your garage or shed. Your home isn’t the only thing that should be protected during a storm. Protecting your cars or trucks is also important. If you don’t have a garage, move them away from any large trees that could fall on top of them.

4

Keep Tree Branches Away from your Roof

Tree branches need to be at least six feet away from your house. When winds are blowing high, they’re going to be like large whips across your roof, potentially causing a lot of damage. Be especially mindful of branches that grow up next to your roof’s edge. This is the area that provides protection from air lift, so its especially important that its not damaged.

5

Keep Your Insurance Policy Current

Be sure you don’t have coverage gaps. If a tree causes damage to your home, you should contact your insurance company right away. Next, call a professional, licensed tree service. They’ll help you remove the tree from your roof and get it tarped. Then, your roofing contractor is there to help you repair any damage that occurred. They should also have tarps and crews that will be ready to help secure your property as soon as possible after the storm.

Before the Storm

Prepare for Strong Winds

Before a storm, you want to “batten down the hatches”,  as wind will be the factor that affects your roof the most. This is one of the most important things to take into consideration when preparing for a strong storm.  These steps will help ensure your roof isn’t exposed to the elements causing potential leaks.

  • When fastening roof decking during a roof replacement, add to its strength by using ring-shank nails.
  • Re-cement loose shingles. In high wind, loose shingles will lift and tear away, leaving the roof deck unprotected against moisture.
  • Use a self-adhering membrane or roofing tape to seal the roof deck. It minimizes the chance that moisture will get into your attic.

Prepare and Repair or Restore

Have a professional roofing contractor inspect your roof for weak areas that can cause issues during a severe storm. Here are some Indicators that an roof repair or restoration is required, grouped according to your roofing system material:

Shingle Roofs

All flashing should be sealed, properly aligned and checked for rust, corrosion or separating. Shingle tabs that are curled or lifted from a poor seal or prior wind damage, or those that have lost their protective granules, need to be replaced or resealed. Your roofing company should also check any vent turbines for proper seal and functionality.

Tile Roofs

Fasteners, tiles, flashing, ridges and risers must be in working order. Chipped, delaminated, slipping or sliding tiles must be repaired, restored or replaced. Flying tiles can become dangerous projectiles during high force wind.

Metal Roofs

Metal that buckles, fasteners that are the wrong type or are no longer functional, and unsealed or unseated flashing are signs of problem areas on your metal roofing system.

Flat Roofs

An emergency roof repair inspection for a flat roof means checking for ponding or pooling water, torn, cracked or broken surfaces, improper or non-functioning fasteners, buckling, poor seals, and overall flashing problems.

Emergency Roof Repair Contractors

Mikku and Sons Roofing has been helping residents throughout Phoenix since 2001. Our experienced and friendly crew members can inspect your roof and help you get it ready for the monsoon season to help you reduce the risk of damage. If your roof has damage from monsoon storms, we are ready to help you with quick and complete roof repair. We have experience in all types of commercial and residential roofs, including tile, shingle and flat roofs. We are fully licensed and insured and make it our mission to provide quality workmanships and exceptional service.

Call us today at (623) 465-1068 to find out how we can help you prepare your roof for the coming monsoon season or to repair it after a storm.

Request Your Free Estimate

Emergency Roof Repair Tips

Emergency Roof Repairs

Your roof is one of the most critical components of your property, since it protects you, your family and everything inside. Its the first line of defense from natural elements like wind, fire, rain, hail, and extremely hot and humid temperatures. But its also one of the most vulnerable features of your home, so a roofing system is usually exposed to changing weather extremes which erodes its quality over time. This also increases the odds of damage and can facilitate an emergency roof repair scenario.

Timing is Important
If your roof has been damaged by a hail storm, heavy winds or rain, the best advice is to wait until the weather gets better. If it’s night, wait until the morning so you have proper light conditions to assess the damage. Don’t take action irashly and put your life in danger just to check your roof’s condition during severe and harsh weather.

Do a Quick Inspection
When the weather improves, its time for a quick roof inspection. If your roof hasn’t been damaged severely, you can possibly follow quick DIY procedures to repair your roof on a basic level. Minor damage might be able to be resolved by a homeowner on their own, but if it has been damaged badly, you need to contact an expert, experienced roofing contractor.

Emergency Roof Repair Contractors

Get Some Temporary Cover
This is one of the most critical steps you need to take to avoid further damage to your roof and possibly your other household items. A protective cover, tarp or temporary type of roof must be applied to avoid more damage to the internal and structural damage. If water is getting inside, move any valuable furniture and belongings into another room in your home.

Preventing Water Damage
If your roof’s damage has caused a puddle of water, you should have it removed as quickly as possible. Don’t allow your roof to collect rainwater as it can further damage your roofing system. Also, if left to pool, stagnant water can be a good place for insects to breed.

Emergency Roof Repair Companies

Hiring an Expert Roofing Contractor
If your existing roofing system has to have heavy repair or complete replacement, don’t delay it any further and contact a professional, experienced roofing company. Only an expert roofing company can offer you emergency roof repair services to handle all your urgent requirements. Putting off repairing or replacing an extensively damaged roof will just turn into a more expensive problem down the road. 

Mikku and Sons Roofing – Emergency Roof Repair Services
Mikku and Sons Roofing, your full service roofing company, offers complete emergency roofing services to handle all of your emergency roof repair needs. We have a dedicated crew of roofing experts, who will take complete care of your residential or commercial roofing after being damaged by one of our severe severe monsoon storms. Give us a call at (623) 465-1068.

 

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