Property owners seeking to handle their roof claim alone, unfortunately, will be underpaid.
Today, we cover 4 ways your insurance underpays your roof claim:
Insurance companies will underpay your roof claim 90% of the time when you, the homeowner or commercial property owner, fail to properly present the complete damage report.
Owners handling the roof claim themselves are entrusting the fate of the roof claim entirely on the adjuster or estimator that is sent to your property to perform the inspection/damage assessment. The biggest percentage of your underpaid claim comes from this problem because; as Len Bordelon (inspector for Texas windstorm claims) said, “I’m only allowed to document visible damage”.
Property owners handling the claim on their own might show the inspector an elevated moisture reading to interior sheetrock and the adjuster/inspector will say they aren’t allowed to document the damage because it isn’t visible, even if the expensive moisture reading equipment is in front of their face. Len and other inspectors are trained to say that visual confirmation of the damage would require destructive testing to access it, and therefore they will not accept it.
Another way adjusters overlook water damage could be while you point to locations of your property the adjuster has not inspected (or ignored) and the insurance inspector will say that part of the property isn’t “easily accessible”, so they don’t document the damage located in that area.
At Roofs ONE, our duty is to present the damage to your insurance company on your behalf. Your risk of being underpaid decreases when we communicate with your carrier using the following outline:
We devote an entire department of the company to this highly specialized skill set because it requires a unique system of evidence gathering and organization to present in the proper format.
The inspector assessing your property for damage is the first step of your roof claim process. The claim is brought up from an unacceptable payout to a reasonable amount, so you can replace your roof to pre-damage condition, through a Supplement (or a series of supplements).
The insurance company could initially deny some of your damage until the damage is properly presented proving the insurance company is responsible for the loss the storm caused.
You could show the adjuster damage on your roof and it can still be overlooked because he might say you have to validate the date of loss. These are problems you can avoid with the right company by your side.
2. Measuring Incorrectly: Last month, a client with a beach house asked us to give her an estimate to repair her roof. Her roof was damaged by a windstorm caused by Hurricane Nicholas that ravaged the area around her property.
We performed a detailed damage assessment and gave her the price to replace her roof.
The insurance company had not paid enough to cover what we had estimated to replace her roof.
Repairs to the beach house were not possible due to the nature of the roof being a complete system without the ability to repair an area without causing collateral damage to surrounding roof components.
We heard back from her a month later asking us to do her roof, but she wanted us to lower our price to meet the lower amount paid out by her insurance carrier. Once she shared the information the insurance company had provided her, we noticed the had underpaid her claim by 30%. The measurements were not correct and we proved it by providing the accurate 3d Aerial Measurements that are accurate to 3/8ths of an inch per pixel.
3. TWIA - Texas Windstorm Insurance Association related claims are some of the worst to underpay roof claims by calculating unreasonable waste percentage factors. TWIA’s line item for material waste percentage is labeled Auto Calculated Waste %, and for all of their claims they assign a 3.8%. This calculation is absurd because the least complex of roofs should calculate a minimum of 15%.
Several factors contribute to the rule of a 15% minimum waste factor:
Other insurance companies will approve 9%, forcing the homeowner to find shortcuts that will guarantee long term dissatisfaction.
Insurance companies do not install roofs and they are not financially motivated to do the right thing. It takes a roofing company with experience in dealing with the insurance companies to help recover the money the property owner is entitled to under the policy the homeowner purchased and the insurance company agreed to cover.
4. The fourth way insurance companies underpay claims is by denying the total roof replacement and expecting the homeowner to be satisfied with roof repairs. While some roof repairs are reasonable, it is unreasonable to expect a repair when the damage is in an area of the roof that will guarantee collateral damage when attempting to perform the repair.
Wind damage that caused missing shingles throughout the field area of a facet is impossible to fix. There are 13 good shingles for every 1 damaged shingle that are threatened to be potentially damaged while performing a repair to a field shingle.
Roof nails that have been fastened via nail guns were not intended to be removed and the tools needed to remove the nail-gun driven nails will damage the shingle when attempting to remove it. Even if you were to successfully remove the damaged shingle without causing harm to the surrounding 13 shingles, the good shingles now have holes. The underlayment has been compromised, as well. Reusing previously installed materials is not the proper way to install a roof. Shingle manufacturer standards are strict and any deviation will result in voiding the warranty.
There is only one way to install a roof, and that is the proper way, according to code as well as manufacturer instructions. Any deviation from this is unacceptable, unreasonable, and the insurance companies are not in the habit of paying correctly unless they are held accountable.
Trying to handle an insurance roof claim on your own will lead to being underpaid. Find the roofing contractor in your area with the highest quality standards that also has experience to present damage to the insurance company on your behalf.