If you're dealing with recent storm damage, you've come to the right place; we are experts in guiding customers through this process. Your roof serves as one of your home's primary defenses against the elements, and we take this responsibility very seriously. Our company is renowned for its exceptional customer service, top-notch workmanship, value, and smooth transactions when dealing with insurance claims.
Hail damage can be particularly destructive, leaving your asphalt shingle or metal roofing compromised and in need of prompt roof repair or replacement. Navigating the complexities of insurance claims can often add an additional layer of stress to an already challenging situation. This is where our expertise comes into play.
At Taylor Roofing LLC, we understand the distress that can follow after discovering damage to your roof but rest assured, we are here to guide you through the process of filing an insurance claim and ensuring that you receive the full coverage you deserve.
The first step when your roof has suffered a hail storm is to call our roofing company. We will come out and not only perform a thorough inspection, but we will also document and take photos of recent damage, important for your insurance company to see.
Our streamlined process takes the burden off your shoulders. We walk with you through the entire process or claim procedure, eliminating the stress and uncertainty that often accompanies insurance claims.
Our goal is to expedite the process while ensuring your insurance company fulfills its obligations to you. We advocate on your behalf, leaving no room for any delays or complications in the claims process. Rest assured that we will use our expertise to ensure that every aspect of your claim is thoroughly evaluated and addressed, ultimately providing you with the comprehensive coverage you deserve.
Dealing with storm damage and insurance companies can be overwhelming, but our team at Taylor Roofing LLC is here to guide you through the entire process, step by step, to alleviate your concerns. We even meet with the insurance adjuster to ensure your full representation. We are always working in your best interests.
Most homeowners policies cover sudden damage from events like hail, windstorms, and falling trees. They usually don’t cover wear and tear, old age, or damage from poor maintenance. Coverage varies a lot from policy to policy, so read yours or call your agent to see exactly what’s included.
Your policy sets the timeline, and most require you to report damage promptly after you notice it. Waiting too long can make it harder to prove what caused the damage, especially once another storm or winter rolls through. Review the “duties after loss” section of your policy and contact your insurer promptly to avoid missing a deadline.
Mostly, the adjuster is sorting storm damage from plain old age. Expect them to check for hail bruising, cracked or missing shingles, dents in vents and gutters, and other wear and tear your policy likely won’t cover. Having a roofer at the inspection gives you a second set of trained eyes, so nobody misses damage a hailstorm left behind.
It comes down to whether your policy counts your roof’s age against you. An actual cash value (ACV) policy deducts depreciation, so an older roof receives a smaller payout, while a replacement cost value (RCV) policy covers the cost to replace the roof with materials of similar quality. With RCV, many insurers hold back part of the payment until the roofer finishes the work, and your declarations page shows which coverage you have.
Start by photographing any damage you can safely see from the ground, like dented gutters, broken shingles, or leaks inside. Protect your belongings from active leaks, but stay off the roof. Then contact your insurance company to start a claim, and have a roofer inspect and document the damage up close.
FAQs reviewed by Tim Taylor, owner of Taylor Roofing LLC, a roofing contractor in Bend, OR.
