Displaying items by tag: hail damage

Wednesday, 24 June 2020 11:27

An In-Depth Guide To Hail Damage In Denver

Homeowners in Denver are all familiar with the storm patterns of Colorado. Throughout a given year, plenty of storms descend on the metro area from the Colorado Rockies. In the spring and summer, Denver homes can get pummeled by hail storms and suffer significant damage. No matter the severity of your hail damage in Denver, it’s best to seek professional repairs sooner rather than later. But, what steps do you need to take to get your property damage repaired?

At Michaels & Marc, we want to provide some clarity on this subject for homeowners across the metro area. We’ve been a trusted hail damage contractor in Denver for numerous years now. Today, we’re here to share our expert storm damage insights to help homeowners maintain their properties.

Signs Of Hail Damage

Hail can fall at dangerously high speeds, ranging from just 9 mph all the way up to 100 mph! At those speeds, the hailstones can leave lasting impacts. While the speed of a hailstone depends on its size, even small hail storms can inflict serious damage on your property. When you’re looking for signs of hail damage in Denver, you can expect to find them all around your home. Some of the most common signs of hail damage include:

  • Bruised, broken, or missing shingles
  • Dented gutters and downspouts
  • Chipped or cracked siding
  • Dented metal flashing
  • Exterior paint damage
  • Broken windows and dented window sills
  • Shingle granules collecting in your gutters
  • Interior water damage

If you notice any of these signs of hail damage, it would be wise to get them repaired quickly. Those damaged areas act as openings into your property, which can lead to further property damage during future storms.

Your Homeowner’s Insurance Claim

Weather-related property damage is one of the most costly repairs out there. Your homeowner’s insurance policy is in place to help cover those repair costs. In order to receive that financial support, you’ll need to file an insurance claim with your provider.

The approval of your claim is contingent upon your claim’s strength and your insurance adjuster’s findings. The more accurate documentation that you can include in your claim, the stronger it will become.

Before you file your claim, we’d recommend scheduling a free property inspection with a storm damage contractor. They’ll comb through your property and identify every instance of hail-related property damage. Your contractor can even take photos of the damage for your claim to help reinforce it as much as possible.

When your insurance adjuster comes out to inspect your property, it’s wise to have your contractor present as well. They will act as your advocate and speak with your adjuster to voice any concerns that you may have with their findings.

How Does The Insurance Payout Work?

Following the inspection of your property, your insurance adjuster will calculate the repair costs of your hail damage. They’ll develop a reimbursement amount based on how much it would cost to replace your damaged areas with similar construction materials. If, for instance, your roof was damaged and it had 3-tab shingles, your reimbursement will be calculated based on the average cost of those particular shingles.

Depending on your insurance policy, you may receive one of two different values for your reimbursement:

  • Replacement Cost Value (RCV) - The estimated total cost to rebuild your damaged features from scratch.
  • Actual Cash Value (ACV) - A payout that factors in the depreciation of your property.

Most homeowner’s insurance policies will insure your property at the RCV. Make sure you review your policy beforehand to understand which reimbursement value you will receive. Once your claim is approved, your insurance provider will reimburse you for the repairs and you’ll just need to pay your deductible.

Repair Your Hail Damage

At this stage, the only thing left to do is address your property damage. Keep in mind, your repairs may not be restricted to just one feature of your property. It’s highly likely that multiple areas of your property were damaged by the hail (e.g., roofing, siding, exterior paint, etc.). For that reason, it would be best to work with a contractor who can address all of those repairs. This way, you don’t need to simultaneously coordinate with several contractors, which will save you significant amounts of time and energy.

Get Quality Repairs For Your Hail Damage In Denver

If you’re looking in Denver for hail damage roof repair experts, you’re in the right place. Our contractors at Michaels & Marc have helped Colorado homeowners recover after some of the worst hail storms in living memory. We understand how to accurately identify all kinds of storm damage. And we are fully equipped to repair all forms of property damage, whether your roof, your siding, or your gutters need repairs.

Contact the experts at Michaels & Marc today to get high-quality repairs for your hail damage in Denver.

Published in Hail Damage

Cities all along the front range of the Colorado Rocky Mountains are nestled right in the heart of “Hail Alley.” Denver and other Front Range cities get pummeled by an average 13 hail storms per year. Those consistent hail storms can inflict significant damage on your home and, in particular, your roof. When your roof becomes damaged, you’ll need to seek out Denver hail damage roof repair services. But, where do you start? How can you get your roof fully repaired before the next hail storm? What steps do you need to take to have your insurance cover the costs?

At Michaels & Marc, we prioritize educating Colorado homeowners whenever possible. To support that goal, our roofers developed a short step-by-step guide to repairing your hail damaged roof. Follow these steps and your roof will be fully prepared for the next hail storm.

Verify The Damages

The first step in treating your hail damaged roof is to actually verify that it is in need of repairs. Once the hail storm has passed, check on the current condition of your roof. There are a number of key signs of hail damage that you should look out for. The most common symptoms of roof hail damage are:

  • Cracked, peeling, or missing shingles
  • Shingle granules in your gutter systems
  • Damages to other exterior areas (e.g., siding, windows, vehicles, etc.)
  • Interior leaks
  • Damages to exterior structures (e.g., chimneys, vents, etc.)

If you notice any of these tell-tale signs, then your home might be in need of Denver hail damage roof repair services. At that point, you’ll need to get a professional’s opinion on the matter. Before you contact a roofer, don’t forget to do your research on roofing contractors in your area! Some roofers can vary in terms of quality, professionalism, and expertise. Trust us: it pays off to do your research before you reach out to roofing companies.

Once you’ve done your research, you’ll want to contact your trusted hail damage roof repair expert to perform a comprehensive inspection of your property. Since they are a roofing expert, they’ll be much more familiar with the common signs of hail damage. They will definitively tell you whether you’re in dire need of repairs or not. Once the free roofing inspection is complete, they’ll provide an accurate estimate for you.

File Your Hail Damage Insurance Claim

The filing of your hail damage insurance claim is arguably the most important step in this process. Storm damage roof repairs are rarely ever cheap, but your homeowner’s insurance policy can help. Your insurance policy should cover storm-related damages, which will help cover those repair costs.

You’ll need to contact your insurance agency and have them send out an insurance adjuster. This adjuster will then inspect your property on their own to verify the damages for your claim. They’ll document the extent of the damages and provide estimated costs for your Denver hail damage roof repair project.

It would be wise of you to schedule a time to have both your insurance adjuster and your roofer inspect the damages. When you have your contractor present, you’ll have an expert there to voice any concerns that you might have with the adjuster’s findings. Hail-related insurance claims are the most common claims in the U.S., so you should try to reduce your chance of errors.

Documentation is incredibly important when it comes to the insurance claims process. Make sure you ask your contractor to document the damages thoroughly during their inspection. Pictures and videos can be especially valuable resources. We’d also recommend that you take the time to document the condition of your roof on a routine basis. Every few months or so, conduct your own inspection of your property and take lots of photos. Those pictures can make a huge difference in the approval of your insurance claim.

Repair Your Damaged Roof

After your claim is filed and approved and your roofing contractor is selected, the repairs are your final step. Your contractor will walk you through the entire scope of work in detail and help you make decisions on building materials. You’ll come to a firm agreement on what needs to be repaired and your roofers will set to work.

In an ideal scenario, your roofers will work through the repair process in a quick, methodical, and efficient manner. The best roofers will set up protective measures to keep your property protected from incidental damages. With an established deadline, your roof will replace your damaged shingles with brand new ones. Before you know it, your roof will be back to its former self!

Exceptional Denver Hail Damage Roof Repair

Your property needs to be prepared for hail season in Colorado, and we’re here to help. At Michaels & Marc, our contractors have been repairing hail damaged roofs for years. We are intimately familiar with every step in the process and we only deliver the highest quality of craftsmanship. We will be prompt, efficient, and incredibly professional throughout your project. Our roofers will do whatever they can to ensure that you are completely satisfied with our work.

Get your FREE roofing inspection with Michaels & Marc today to get started on your Denver hail damage roof repair process.

Published in Hail Damage

When your home has been hit by a hail storm, the last thing you want to deal with on top of managing the repair work is an insurance claim. They are a hassle. There’s no ifs, ands, or buts about it. We’ve seen our fair share of hail damage insurance claim nightmares, which is why we provide an in house insurance department that our clients can leverage when storm damage requires repairs. They’ve helped us put together this guide for homeowners to reference when a hail damage insurance claim needs to be filed. Here’s everything you need to know.

Contractor Meet Adjuster

Once a storm hits, the first thing you’ll need to do is get in touch with both your insurance agency and a contractor that you trust. They’ll come out to your property to perform an inspection to identify any and all damage that may have occurred. An estimate will then be drawn up using a software that analyzing things like labor, materials, service charges, taxes, and anything else that may factor into the completion of the roofing project.

The estimate for a hail damage insurance claim will also include what is called Overhead and Profit, or O&P. Nothing is free, including storm damage repair. This line item accounts for what it takes for a contractor to take on the project in the first place.

There is no industry standard when filing a hail damage insurance claim, so that makes it all the more important to perform a detailed inspection and include everything in the formal estimate. As a homeowner, you want your damage repair and claims process to go as smoothly as possible. A contractor who’s familiar with the hail damage insurance claims process is a key part of that.

Approval And Construction

The estimate will be submitted to the insurance company for approval and the contractors you’ve hired will set to work repairing the damage. In some cases, additional damage that was hidden during the initial inspection becomes apparent. In this case, your roofer will request a work-in-progress supplement from the insurance company to cover the costs of additional supplies and labor. A WIP supplement can get a little hairy, so you’ll certainly want an experienced roofer at the helm when filing a hail damage insurance claim.

Completion

Once a project has been finalized, the next step to file a hail damage insurance claim includes submitting a Certificate of Completion to the insurance company. This absolutely cannot be done before the project is, in fact, complete because saying otherwise is fraudulent and could have severe penalties. Insurance companies will audit the project to confirm that all the work that was included in the estimate has been completed thoroughly. The Certificate of Completion notifies the insurance company to release any remaining funds that have been held back during the construction phase of the project.

Filing A Hail Damage Insurance Claim In Denver

The hail damage insurance claims process is complex and often requires many steps. Having an experienced contractor in your court can help smooth out some of the wrinkles that can occur during the process and make it easier for you, as the homeowner to navigate. At the end of the day, the more you know about your policy and what’s going on with your property, the better you’re able to advocate for yourself.

Michaels & Marc can also advocate for you when filing a hail damage insurance claim. If your property has been affected by a storm and you need a roof repair, contact us today to schedule a FREE estimate.

Published in Hail Damage