☎️ Why Your Roof Damage Might Not Be Covered by Insurance
☎️ Why Your Roof Damage Might Not Be Covered by Insurance🏚🏠
Roof replacement can be prohibitively expensive for many homeowners. A new roof costs just over $7,000 on average in the U.S. but could cost up to a whopping $30,000 if your home has an expensive roofing material, is especially large or possesses a complicated roof shape or slope.1
In the event of a storm or falling tree, you would hope your homeowners insurance would cover basic roof damage. However, your insurance company may deny you coverage precisely because roof replacement is one of the costliest home repairs.
Caveat #1: Your Roof Is Too Old
You may assume your home insurance will cover your roof damage in the event of a fire or break-in, and in most cases, that’s a Is your roof too old to be covered in case of disaster? Find out by calling us today!
However, roof coverage might not apply if your roof is deemed “too old.”
In most cases, a roof will be considered too old if it is 20 years or older, as this is the lifespan of most shingle roofs in the U.S. Your roof may also count as too old if one of the lower layers is 20 years old and you had a new roof layer added on top of it, instead of paying for a full tear off and replacement.
Why is this the case? Simply put, an insurance company does not want to pay full price to replace a roof that was likely near the end of its depreciable life expectancy regardless of whether it sustained damage.
As an alternative to providing no coverage, your insurance company may pay for repair, but not replacement. They may also pay for the replacement of the roof at its actual cash value, taking depreciation into account, rather than the original value. If this happens, you will have to foot the rest of the replacement bill.
#JohnyCash
#RoofingRockstars
#SharperIronDevelopers
#ImperialTeam
#D2D
🏚🛑The 6 Roof Maintenance Tips Your Roofer Is Overlooking
🏚The 6 Roof Maintenance Tips Your Roofer Is Overlooking☎️
We all know our cars need regular maintenance like an oil change or tire rotation. But did you know your roof needs maintenance as well?
If you answered no, then you’re not alone. Most people don’t think about getting an annual roof inspection. The truth is, having your roof regularly maintained is critical to protecting your roof investment.
The team at Imperial Construction Roofing has been repairing, replacing, installing, and maintaining roofs in the Illinois/Indiana area for 10 years. We always inform our own customers about the importance of roof maintenance. But we never shy away from educating the public about the art of roofing.
In this article, you’ll find what roof maintenance is, how a roof is maintained, and why it’s important. Factors like preventative measures, maximizing your roof’s life, and giving you peace of mind will show how crucial it is to your roof.
What is roof maintenance?
Roof maintenance is the periodical checking of all the vulnerable areas on a roof that could be susceptible to having a problem. Depending on the type of roof, whether it be residential or commercial, it will be annual, biannual, or quarterly maintenance.
When your local contractor comes out to do roof maintenance there are certain things they check right away. Below is a list of 6 of the most common ways your contractor maintains your roof:
Check pipe boots for cracks and wear: Cracked pipe boots are the most common reason for roof leaks. The drastic drop in temperature in the winter is when the neoprene (synthetic rubber) gasket around a plumbing vent stack is most likely to crack and create an area for water intrusion.
Remove debris from the roof, valleys, and gutters including sticks and leaves: If debris, such as leaves and sticks, are left on your roof, it can create a dam. This will cause the water to back up under the shingles and create a leak. Leaves in gutters can clog the
What Typically Causes a Hail Damage Claim Denial? Firstly, paying out claims isn't in the financial interest of any insurer.
What Typically Causes a Hail Damage Claim Denial? Firstly, paying out claims isn't in the financial interest of any insurer. Even though you pay premiums to protect your property, your insurer has a direct financial interest in offering low settlements, delaying them, or denying claims altogether.
What Kinds of Damages Can Hail Cause?
Hail size can range from a small BB up to softball-sized. At the larger end, hail can cause untold damage to everything, from permanent structures to vehicles.
Even at the small and medium (marble or golf ball sized) hail can cause significant damage. Some examples include:
Shattered windshields and dents on cars
Broken windows on homes
Damages roofs on homes and businesses
Damaged brick around homes
It is easy to see how the total cost of damages can add up quickly. What’s worse, these storms can occur multiple times throughout the year.
#johnycash
#D2D
#d2dking
#insuranceclaims
#Illinois
#indiana
#roofcon
Dealing With Roof Damage Insurance Claims And Roofing Inspections
Dealing With Roof Damage Insurance Claims And Roofing Inspections
Roof damage insurance claims can often be tricky to inspect and prove your case. Some roofing damage is always covered by a home insurance policy, while other roof damage is not. We’re providing the most crucial tips you should know about roof insurance claims, dealing with a roof insurance adjuster, and handling an insurance roof inspection.
With that in mind, here’s a step-by-step on how a typical roof insurance claim works:
A windstorm or hailstorm hits your area. You check your roof after the storm and find significant damage.
Secure the scene and limit further damage. If there’s a hole in your roof, for example, then put a tarp over the hole to prevent further flooding or damage within your home.
Contact your insurance company’s 24/7 claims line to begin the roof insurance claim process. Your insurance company will setup a claim number for you and provide further instructions.
If your roof is severely damaged, then the insurance company might recommend getting a restoration company to your location immediately to secure the scene and limit further damage.
The insurance company sends an adjuster to your house to inspect your roof insurance claim, assess the damage, and determine what is and is not covered for your roof claim.
The insurance company processes your roof damage insurance claim, covering the cost of repairing your roof to its pre-loss condition, or replacing your roof, according to the terms of your policy.
This is how a roof damage insurance claim will be processed in an ideal situation.
In many cases, the insurance company will dispute certain aspects of your insurance claim. In this case, you might want to hire a public adjuster to handle your insurance claim and ensure you receive the maximum possible amount of compensation.
#insuranceclaims
#stormdamage
#illinois
#indiana
Hitting Birdies 🏌️♂️of this roof 🏚 on lakeshore dr
Hitting Birdies 🏌️♂️of this roof 🏚 on lakeshore dr
IF MY ROOF SHINGLES HAVE BEEN DISCONTINUED AND I HAVE STORM DAMAGE SHOULD MY INSURANCE GIVE ME A NEW ROOF?
Does your insurance company have to replace your entire roof if your shingles have been discontinued and damaged in a storm? That is the question one of my readers asked and my answer is the same as always, it depends. In most cases insurance companies will replace your entire roof if you can no longer match the existing shingles such as t-locks. However, it depends on how the policy was written. Some companies are writing policies that will only repair damage and they don’t have to replace the entire roof, but only the plane that has been damaged even if the roof won’t match. Many times a hail storm comes in with a directional wind that only damages one side of the roof.
It is very important to understand your insurance policy! I have seen circumstances where the roof had multiple layers of shingles and the policy was written that the insurance company only had to pay to tear off one layer and replace it, even if building codes would not allow that. In other cases the policy is written so that the building needs to meet current building codes and in that case the insurance company has to pay to tear off all layers and even re-deck if necessary.
As with all things getting the cheapest insurance is rarely the best deal. It is important to ensure that your policy is written to cover bringing your home to existing building codes. This is important for interior work as well as exterior. Imagine having a small fire that damages your home, the insurance is required to rebuild that section and make it code compliant, but it is possible the building department will require that you replace wiring throughout the home to meet current building codes before giving you a CO (certificate of occupation) and that may come out of your pocket. In most cases the riders on the policies that cover code upgrad
🚨Your home 🏚has been damaged by the ⛈recent storm this is what to do next
🚨Your home 🏚has been damaged by the ⛈recent storm this is what to do next⁉️
5 Steps to Take After Storm Damage ⛈
Storm Damage Repair Steps
Check Your Home for Damage
Review and Assess the Damage
Contact Your Insurance Provider
Avoid Additional Damage Where Possible
Choose the Right Contractor for home storm repair
1. Check Your Home For Storm Damage
After the storm has passed, you should check your home to learn the extent of the damage. Not all of it will be immediately obvious. Keep in mind there could be slippery areas, electrical lines broken and exposed, loose floor boards or ceiling tiles, etc. So before you do a thorough walk-thru, follow these safety tips:
How to Stay Safe When Checking Your Home After Storm Damage
Before going out, check the local news to make sure that your area is safe.
Watch out for hazards such as broken glass and exposed nails.
Always assume that downed power lines are energized and dangerous. Stay at least 10 feet away and alert the police and utility company.
Avoid standing water, particularly if there are nearby downed power lines.
Where possible, avoid checking for water or storm damage after dark. If you do so, carry a flashlight instead of a candle or other open flame. This will alleviate the risk of a fire or explosion from a damaged gas line.
Heavy winds and rain can create physical hazards such as collapsed roofing materials, window damage, collapsed walls or standing water in the basement or home interior.
If you do smell gas such as carbon monoxide—or suspect a leak—shut off the main gas line, open the windows, and immediately go outside. Notify the gas company and the proper authorities of the situation and don’t return until they’ve deemed your home to be safe.
#WCIA
#LocalNews
#local
#champaign
#rantoul
#gibsoncity
#centralillinois
How did this 20K roof get approved by the insurance company?
Is a Metal Roof Right for You?
Getting a new roof is a big deal. It’s an expensive purchase and has an important job to do. During your roof research, have you looked into installing a metal roof? In some situations a metal roof can be a big plus, for others, the negatives outweigh the positives. Let’s learn a little more and explore the pros and cons so you can decide if a metal roof is right for you.
What Are the Types of Metal Roofs?
Metal roofs are made of copper, steel, aluminum and other metals. Each material has unique characteristics and metal roofs typically come in two different styles: metal panel and metal shingle. One has a distinctive look that is clearly a metal roof and the other looks more traditional. The great news is, because the two styles are so different, you get to choose between a traditional look and a more contemporary style.
Metal panel roofing. This style doesn’t attempt to disguise what it is. Long metal sheets are seamed together vertically for a sleek, modern look. This works best on contemporary style homes and keeps the look fresh and linear.
Metal shingle roofing. This style is crafted to look like a traditional roof and comes with Spanish tile, wood shakes or slate options. They often have multi-layer factory finishes that can include granulated stone topcoats giving them a very authentic appearance. From the ground, this look can be indistinguishable from its traditional counterpart and functions the same as the metal panels.
What Makes a Metal Roof a Great Choice?
From longevity to a clean look, metal roofs have a lot to offer. This new approach to topping your house uses modern materials and techniques to give you a great product. So let’s look at what some of the benefits are and see which ones speak to you.
Longevity. The expected lifespan of a metal roof can be as long as the home’s. Most companies back their product for 20-50 years. And, if you have a paint finish on top of the metal, there’s typically a 30
Is synthetic felt paper neccesary for my roof⁉️🏠
FeltBuster® Synthetic Roofing Felt is a value-priced upgrade for typical asphalt felts that helps provide long lasting protection against wind-driven rain from infiltrating under your shingles. It's a key part of the GAF Lifetime Roofing System,1 and has even earned the Good Housekeeping Seal.
Roofing underlayment may not always be necessary, but many areas require felt or synthetic underlayment. It's important because it acts as a moisture barrier to protect your roof from rain and other inclement weather.
Because most synthetic roofing underlayment must be installed with cap nails or staples, and because these underlayments do not seal around the fasteners, they are typically considered water resistant
#roofs
#champaign
#indianapolis
How to Dispute a Roof Damage Insurance Claim Denial⏳Without your insurance company dropping you🛠🧨
How to Dispute a Roof Damage Insurance Claim Denial⏳Without your insurance company dropping you🛠🧨
Homeowner’s insurance is designed to relieve the financial stress that comes with roof damage. For some homeowners, submitting a roof damage insurance claim can actually produce stress. When a claim is denied, you could be stuck footing the bill for repairs or a total roof replacement yourself. However, if you do not agree with your insurance company’s decision, you have the right to file a dispute. Learn more about why claims are typically denied, what you can do if you receive a denial, and why you should speak with roof repair contractors before moving forward
The Roof Damage Insurance Claim Process
The insurance claim process for roof damage is not always simple. When you file a claim, there are several people involved in the approval process. In addition to the homeowner, most insurance claims involve an insurance adjuster who is essentially a representative for the insurance company. This person helps make decisions and eventually cuts the check. The third party involved in the process is professional roof repair contractors. These are the people who will inspect the damage and fix your roof.
#stormdamage
#indiana
#indianapolis
#roofingcontractor
🤯🏡 5 Señales de que Necesita Reemplazar el Techo... O no
💭🆘 5 Señales de que Necesita Reemplazar el Techo... O no
Si le caen gotas de lluvia en la cabeza —dentro de su hogar—, tal vez sea tiempo de reemplazar el techo. Pero aún en ese caso, puede que no sea necesario hacerlo.
Aunque piense que debe reemplazar todo el techo, quizás eso no sea necesario
Hay muchas variables que pueden afectar el rendimiento y la durabilidad del techo. ¿Hay alguna forma de saber si necesita un techo nuevo? ¡Sí! Los especialistas de Techos IMPERIAL EXTERIOR han compilado esta útil lista de verificación para ayudarle a determinar si es hora de analizar el reemplazo del techo. O no.
La llamaremos «lista antibaldes» de IMPERIAL EXTERIOR ya que le permitirá mantener esas gotas de lluvia en el exterior, donde deben estar.
Tiene filtraciones?
La señal más evidente de que quizás necesite un techo nuevo es encontrar agua dentro de su hogar.Revise periódicamente el ático, en especial después de tormentas o en caso de que note una acumulación de hielo en los aleros. Busque señales de penetración de agua, porque lo más probable es que las filtraciones importantes dentro del hogar se originen allí. Sin embargo, tenga en cuenta que el agua puede desplazarse una distancia considerable —por ejemplo, por las vigas o dentro de las paredes— desde el punto donde se infiltra hasta el punto donde finalmente se la ve.
Las acumulaciones de hielo se forman cuando la nieve se derrite, baja por la pendiente hacia los aleros y se congela. A medida que baje más agua y se encuentre con la acumulación de hielo, puede correr hacia arriba y meterse debajo de las tejas asfálticas, con la posibilidad de que penetre en la plataforma del techo.
Tal como se mencionó anteriormente, tal vez no sea necesario reemplazar todo el techo para corregir este problema. Quizá se hayan volado algunas tejas o se haya roto un tapajuntas, y esto haya hecho que la plataforma del techo ubicada debajo quede expuesta a los factores climáticos.
#Ill
Knock knock🏚 AND NONE IS THERE❌BECAUSE I RESPECT YOUR TIME Nock
Knock knock🏚 AND NONE IS THERE❌BECAUSE I RESPECT YOUR TIME ⏰
🚨Let me tell you why you should be calling my company right now to inspect your roof🏚⛈
1.My company is offering Homeowners up to 90% off the next roof installation💭💯
2.We are offering to upgrade your ventilation system that’s $4000 in home-improvement value for no out-of-pocket cost🆘
3.We want to upgrade your underlayment winter protection, to a rubberized membrane ice and water barrier that’s $2500 in value with no out-of-pocket expense📝
4.And if you Call right now☎️. We will qualify you for a new gutters system 🤯🏡👏
3173482792📅
🏚THERE IS A PANDEMIC 😷 OF IMPROPER ROOFS BEING INSTALLED IN YOUR AREA‼️ THIS IS WHAT YOU CAN DO⛈☎️
🏚THERE IS A PANDEMIC 😷 OF IMPROPER ROOFS BEING INSTALLED IN YOUR AREA‼️ THIS IS WHAT YOU CAN DO⛈☎️
Should Shingles Overhang the Drip Edge?
Overhanging shingles over the drip edge about a half inch can help with surface tension. Plan out how you will lay your shingles beforehand, here’s how we recommend you approach your installation.
Installing Roof Shingles in 11 Steps:
To start installing shingles, line up aluminum drip edge flush with the edge of the roof and make a pencil line at the top on each end of the house.
Using the chalk line, snap a line between the two marks to get a straight edge.
Pull the drip edge down about a half-inch from that line to create a gap between the drip edge and the fascia board.
Nail the drip edge in place using 1¼-inch galvanized roofing nails and a hammer.
Repeat steps for gabled ends, installing the drip edge up the roof along the gable.
Lay out 30-lb. asphalt roofing felt paper and nail it in place using 1¼-inch galvanized roofing nails.
To lay out the design for the shingles, begin at the bottom of the roof and place a tape measure ½ inch from the edge of the roof to ensure the shingles overhang the drip edge.
Mark 12 inches up on the roof for the first course of shingles, then mark every 5 inches all the way up the roof to set your reveal. Do this on both sides of the roof.
Using the chalk line, snap a straight line on each 5-inch increment.
Use the chalk line to snap a straight line vertically every 6 inches.
Install a starter course by cutting off the three tabs on a shingle, leaving only the top tar section.
#indianapolis
#illinois
What is hidden damage? And why should i be worried 🏡‼️
Broken or Missing Shingles
While this may be a bit more visible, that’s not always the case. Understandable, roof shingles are the first line of defense against severe weather conditions such as rain, wind, heat, and fire. Designed to provide durable, overlapping protection, shingles can become cracked, frayed, or curled over time, leading to hidden roof damage. Shingles can also still remain in place but lift during severe weather, and thus, limiting their functionality. The appearance of broken or missing shingles could lead to:
Water damage
Interior leaks (or signs of leakage)
Mold, mildew, or fungus growth
Visible Leaks
Even if you aren’t able to spot missing or broken shingles, the presence of wet floors, drips, or moist, discolored spots on your ceiling indicate that you have a leak in your roof. Unfortunately, if you see one leak, then chances are there are others. One important thing to remember: water damage doesn’t always appear at the source of the leak. Water will often follow gravity down trusses or other internal structures, and often times, show up far away from the actual compromised area of your roof. This is why, in order to avoid further water damage to the interior structure of your home, and potentially more expensive repair costs, you should contact a roofing company immediately.
FIND OUT WHY‼️🏚🏡Your Contractor Should Be Present During Your Insurance Adjuster Inspection 🧐
🏚🏡Your Contractor Should Be Present During Your Insurance Adjuster Inspection 🧐
It’s fair to say that the structural integrity of your home’s roof is, quite literally, a disaster. Without a sound roof, your home is exposed to the elements, and water damage can quickly create havoc throughout your property. If your roof has been compromised, then the situation is close to an emergency – so you’re going to want to ensure the repair process is as smooth and efficient as it can possibly be.
After identifying the roof damage, most homeowners will immediately turn to their insurance company for assistance. If you ever find yourself in this situation, you will likely expect – as thousands of other homeowners have before you – that you can just make a call to your insurer, then sit back and wait for the repair process to fall into place.
☎️FIND OUT WHY‼️WHY ARE INSURANCE COMPANIES THE TOUGHEST 🤯NEGOTIATORS IN THE WORLD 🌎
🏚🛑 When a Tree Falls On a House: What To Do‼️
🛑Hidden Damage😳Is costing Us “HARD WORKING AMERICANS”Thousands of Dollars💵
🛑I want help you Get A UpGraded Ventilation System For Free‼️
🏚❌🔥WHAT ARE THE ELEMENTS OF THE CERTAINTEED INTEGRITY ROOF SYSTEM®?
❌ How To Avoid Overpaying For Your Roof Repair Or Replacement🏚
❌STRAIGHT TALK ABOUT SHINGLE WARRANTIES🏚
Signs of Storm Damage on your Roof🏚😞
🏡ROOFING 101: FIND A CONTRACTOR🇺🇸
🆘🏚Returning Your Home to Good Health After a Storm 🏚
WE WILL MEET WITH YOUR INSURANCE🆘 ADJUSTER, ON YOUR BEHALF🏚⛈🏡 HELP YOU GET ALL STORM RELATED 📚DAMAGE ON YOUR PROPERTY,PROPERLY 📃RESTORED🇺🇸
This is our Imperial promise‼️🇺🇸 We will not Give Up On You‼️🔥 We will not give up on you‼️🔥
🕍CHURCH OWNERS & NON-FOR PROFITS🏫PROPERTY OWNERS‼️ THIS MESSAGE IS FOR YOU.