Custom personalized service is what Andes Contracting is all about. We will take the time to answer any and all questions you may have – we don’t want to move forward with your project until you feel comfortable with what is happening.
Below are the most common questions we are asked on a regular basis. Please use this information as a resource, but don’t think you can’t call and have your questions answered in person. We are here to help in any way we can; please let us know what we can do for you.
- What is storm damage?
- How do I know if I have storm damage?
- What do I do now?
- Why is a damage inspection important?
- What is this going to cost me?
- How does the entire process work?
- What makes a roof a "Good Roof"?
- We had a hail storm, but y roof is not leaking, Why will the insurance pay for a new roof on my house?
What is storm damage?
Damaging Storms are not unusual, they are happening all of the time. Every year in the United States millions, often even billions, of dollars are spent by the insurance companies to repair damage caused by natural events.
Relative to roofing, damaging events will be associated with wind (straight-line wind, tornadoes, hurricanes, etc.) and/or hail storms. The type of damage each of these events causes is very different but each of the events results in a roof that is no longer an adequate waterproof covering for your home.
Asphalt/Fiberglass shingles will have “bruises” on the shingles as a result of a damaging hail storm. In these spots the shingle has literally been crushed, reducing the waterproof integrity of the shingle and usually causing the granules of the shingle to release and fall off. The granules on the top of the shingle protect the asphalt layer from exposure to the UV sunlight. With the granules now missing, the sunlight will deteriorate the asphalt of the shingle and it will begin to crumble away – eventually resulting in holes in the shingle.
This is what is so deceiving about hail damage; often a water leak does not become visibly evident until weeks or even months after the storm. The real enemy after a hail storm is time, the longer you wait the greater the chances are you will have problems inside your home as well as on the outside. Don’t expect your roof to leak right away, but it will leak eventually if it is not taken care of.
Wind damage is relatively obvious, except in the case of broken seals or torn fasteners. The greatest factor on how well your roof will withstand the wind will be the age of the roof. With age the sealant between the shingles as well as the shingles themselves begin to dry-out and become brittle, this makes it much easier for the wind to get under the shingles, break and damage the shingles, and even blow complete sections of the roof off the house.
It is true that certain shingle types and designs will withstand wind better than others, but if it is too old design will make little difference. It is also true many new shingles can carry a wind warranty up to 130 miles per hour, but that is for new shingles and only if they were installed to meet high wind specifications.
Regardless of the event or how much damage you can physically see, it is our recommendation to always have your home and roof checked after any severe event.
Contact Us to schedule your FREE inspection.
How do I know if I have storm damage?
Unfortunately, unless the shingles have been blown off the roof and are now in your yard - you are NOT going to know if you have damage by just looking at the roof. Broken seals, torn fasteners, and hail bruises are things easily ignored unless you have been trained to look for them. The best thing you can do is to contact a profeshional contractor who will provide an honest evaluation as to the condition of your house and roof - CONTACT ANDES CONTRACTING.
We DO NOT charge for this service and an honest inspection will provide you with the information you need to know if the damage is bad enough that an insurance claim is warranted. We DO NOT recommend to determine this damage with your insurance adjuster first - if it turns out you don't have any damage then you filed a claim for no reason. Too many "zero dollar" claims starts to make your account look bad to the insurance company - like you are trying to get something for nothing because you are always filing claims.
What do I do now?
If you are already reading this you are on the right track. The most important decision you are going to make, regarding the repairs to your home, is the contractor you choose to handle your insurance claim and repair your home; and yes, they should be the same person/company. Storm damage repair is unique because the contractor needs to know more than just how to build – they also must know insurance guidelines and procedures. Choosing a contractor who only has knowledge in one of the two areas will cost money, time, frustration, and very likely quality of craftsmanship.
For example: You may know a contractor or have one in the family who does great work, but he has never done insurance claim work. He has no more knowledge than you do on how to work with the insurance company to ensure there is enough money to make the repairs. It doesn’t mean he is a poor contractor, it just means he doesn’t specialize in this area. You wouldn’t take your car to a transmission shop when the air condition isn’t working, Right? This is the same thing.
Choosing a contractor is not just finding someone who specializes in storm repair, you want the right contractor. There are a number of companies to pick from, but unfortunately there are more unqualified contractors than qualified ones.
First Thing to Do – Contractors Inspection
Andes Contracting recommends contacting your contractor first before anyone else, even before the insurance company. The first service a contractor should provide is a free damage inspection and a recommendation of how to proceed. Make sure to always request pictures of any findings, especially if the recommendation is to proceed with an insurance claim.
See Question 4, "Why is an inspection important?" for more information on this topic.
Why is a damage inspection important?
The short answer is that it provides you with the knowledge to make a good decision and the protection of a professional relationship and recommendation. But you may still be asking, “Why do I need that, I will get that from the insurance company?” As Paul Harvey youst to say, “here is the rest of the story.”
Through marketing and advertising insurance companies have created the image for themselves that they are here to protect the homeowner, and they sell insurance policies because of that. That is their business, selling policies and collecting premiums. Paying claims is a loss to an insurance company, reducing the profitability of their business. But you may say, “If they don’t pay they will have a bad reputation and eventually go out of business” – true.
But this is the question they have asked, “How could we have both? How could we pay fewer claims and still keep our customers.” And that is exactly what they are doing to unknowing consumers. But don’t take our word for it see what the American Association for Justice had to say.
The American Association for Justice has released a publication entitled “The Ten Worst Insurance Companies in America” and you may be shocked who made the list. But more surprising is the information contained in the report.
This report can downloaded at: The Ten Worst Insurance Companies in America
In this report a Senior Executive at the National Association of Insurance Commissioners (NAIC) is quoted as saying, “The bottom line is that the insurance companies make money when they don’t pay claims.” The report goes on to explain the insurance company had contracted consulting firms to show them how to increase their bottom line. The results can be summarized in the insurance company was instructed to deny claims even if they were legitimate using a strategy of deny, delay, and defend – before paying out claims.
We are not only informed of these practices, but are trained to know how to work within the system that exists. While there are some practices that are industry wide, there are also others that are specific to one insurance company or another. Often knowing how to work with the insurance company is the difference between a successful settlement and one that gets lost in the “red tape” of the insurance world.
So, Why have an inspection? An inspection from a qualified contractor, like Andes Contracting, is the beginnings of a very valuable relationship. And, in light of this new information, it will provide you with a trained advocate who knows how to work through the insurance claim system and ensure you received the necessary funding to repair your home properly.
What is this going to cost me?
When doing insurance work, the first thing to understand is that the cost is pre-established – neither the homeowner, the contractor, nor the insurance adjuster has a say in the matter of the unit pricing; it is all pre-established by a third party.
Today most of the leading insurance companies have adopted a standardized pricing system set by a third party company called Xactimate. Xactimate is a database company who monitors the market price for construction labor and materials in many markets around the country, and then sells the information to insurance companies and contractors alike.
What this means to you, our customer, is that we can guarantee your out-of-pocket expense will NEVER exceed your deductible amount when you have a replacement cost insurance claim. The insurance policy you have been paying covers 100% of the cost to replace whatever was damaged, less your deductible. Therefore, your deductible is the maximum out-of-pocket expense you will ever have to pay when using Andes Contracting.
If you already have your claim, then Contact Us for a FREE Claims Evaluation and you may find your roof will cost you far less than the deductible.
How does the entire process work?
If the thought of filing an insurance claim and replacing your roof seems like it is just too much, you’re not alone. Many of our customers call us because they aren’t sure what to do; this is what we are here for. Fortunately, when working with an experienced contractor things go very smoothly and it isn’t so bad. Here is how the entire process will go when working with Andes Contracting:
- Receive a free photographed damage inspection from Tuttle Contracting and confirm the necessity of filing an insurance claim.
- Call your insurance company and file a claim.
- They will tell you someone will call to schedule a time for the adjuster within a week to ten days.
- When the adjustment is scheduled notify your Andes Contracting and we will put it on our schedule to be there also.
- We will meet the adjuster at your property as your professional representative; it is your choice to be present or not, but it is not necessary.
- Typically, the insurance adjuster will complete the adjuster summary and mail it to you within 7 to 10 days. But, some adjusters are authorized to complete the summary and issue a payment on the same day. Either way, when you receive your adjusters summary contact your us and we will meet with you to review the summary for accuracy.
- If adjustments to the claim are necessary we will take care of them before the work begins.
For more information on steps 1 – 6 see Claims Assistance on this website.
With an approved adjuster summary, the construction phase of the work is ready to begin. We will write the orders and submit them to the production department.
- Material will be ordered and you will be notified by your Andes Contracting when the material will be delivered to your home.
- Once the material is delivered, we will collect a 50% payment on the project and notify you when the work will begin.
- This 50% payment will be equal to or less than the first installment check received from the insurance company, not requiring any of your money at this time.
- Within days, possibly the next day, the work will begin.
- Most work will be completed the same day it is started. But if your home is difficult in design or larger than normal the project could take a couple of days. No matter the circumstances, we will be there throughout the process to keep you informed.
- If you are having Siding and Gutters replaced as well, then the siding work will follow the roofing in a similar manner of the material delivery and the start of the work. Gutters will be the last phase of the work to be completed to ensure there is no damage to the new material.
- Either Andrew or Mike will be present throughout the day or days your work is being completed and will complete a final inspection on each phase (roofing, siding, and gutters) once the work is complete.
- Upon completion we will submit final documentation to the insurance company, ne will otifying them the work is complete and the value it was completed for.
- This will cause the insurance company to process the final claim payment and release it to you, NOT us as the contractor. Typically, the final installment will arrive within two weeks.
- Upon receipt of the final installment from the insurance company contact us to make final payment on your project.
- The sum total of the insurance proceeds will cover the cost of everything except the value of your deductible.
- At this time you would pay your ONLY & MAXIMUM out-of-pocket expense, your deductable, to Andes Contracting.
What makes a roof a "Good Roof"?
There are as many different types of roofs as there are materials to cover them, the important thing is that no matter what type of roof you have the proper steps and materials are used to build your roofing system. That is the key, and the short answer to this question; a "Good Roof" is a system working together - not just shingles.
A common misunderstanding in roofing is that the part you can see from the ground (most commonly asphalt shingles) is the most important part of roofing or what makes a roof "good". The reality is that each part of the system is equally important, one missing link can create problems. Since you cannot see all of the components, this is where many contractors “cut corners” to offer cheaper prices. We not only strive to provide superior service, but also to install a premium roof; never cutting corners and using the right products for the right applications. And, last but not least, provide supervision to ensure your project is constructed to the standards we have shared with you.
We had a hail storm, but y roof is not leaking, Why will the insurance pay for a new roof on my house?
There are actually many answers to this question, but the most direct answer is because "hail" and "wind" are two of the three basic perils that are covered on every standard homeowners insurance policy. Meaning they are legally obligated to pay the claim when wind or hail has caused the damage.
Are there other reasons such as customer service or preventitive care; yes these are reasons but they all come second to the fact that there is a legal obligation you are entitled to because you bought the policy and paid your premiums.