When faced with an unexpected roofing repair, it can be hard to know exactly what to do first. The thought of gathering up buckets and towels is something no homeowner wants to deal with; but, being able to act fast in such an emergency can help you minimize the damage you incur. In short order, accessing the damage by way of a professional roofer and filing a claim with your insurance will go a long way in getting you back up and running after major storm damage.
Access the damage
If your roof has been hit by large hail, it's a safe bet to wait until the weather clears up. You do not want to be caught up in a dangerous situation while you're trying to assess the situation on your roof. If you are able to move or shift around furniture from direct water damage, you may spare yourself the cost of replacing these items later.
Contact a professional roofer
By far the most important thing to do if you need emergency repairs is to immediately contact a licensed, insured and bonded roofer. A professional roofer comes prepared and ready to minimize damage upon arrival. Often times, tarpping up an area is critical in order to stop further structural damage from hail, wind or water entering the home.
File a claim
Upon filing a claim with your insurance, you will most likely receive a call from your adjuster. He will offer an estimate of damage after establishing the scope of damage caused to your home.
If he totals your roof he will normally let you know at that time. Most adjusters in this instance will write a check on the spot. This first check is called the ACV check which stands for "Actual Cash Value". Note this is not the actual replacement value. It is only the adjuster's estimated cost replacement minus his estimate of the depreciation due to age and wear of your roof.
When you hire a roofer and the job is complete, the depreciation is sent to you the homeowner as a second check called the RCV check. This stands for replacement cost value. If you do not replace the roof and repair the damages to that portion of your property, it is no longer ensured in the event of future damages.
Likewise, if you do not replace your roof and do repairs for the full amount of the adjuster's estimate, the insurance company deducts the difference from your check.
We're always ready to answer any questions you may have concerning your claim. We can help you navigate this time-consuming process and provide you with all of the information your insurance needs to process your claim.
At CCR Roofing, we are proud to offer you top-notch service along with expert advice. We love what we do and know you will too. Contact us today to schedule a free, no-pressure consultation to discuss a roof replacement for your home! 855-288-2410