Property Damage Insurance

Hail, Wind or Storm Damage to Your Roof

Your roof is often the first line of defense for your home Yet, some of us seldom inspect the condition of the roof. There are factors such as wind, hail and storm damage that will affect the life of your roof. You may actually see visible signs of dents on your turtle vents, maybe on your gutters and/or air conditioning. This is usually a sign of hail damage. Hail, wind, and storm damage may leave obvious signs as evidence of that damage, and at other times it might NOT be quite as obvious.

If you have an asphalt shingle roof, it is composed of these three things:

  • Asphalt Mat
  • A Fiberglass Backing
  • Granules

The asphalt mat is the major part of your shingle, and the fiberglass backing is designed to make the shingle more durable and long-lasting. We all know the granules provide an aesthetic appearance to your roof, but they are more important than we might realize. When the granules are stripped from your shingles, they provide less than acceptable levels of external fire resistant capabilities to your home. Not to mention, losing granules exposes the asphalt mat to UV rays. Over time, this exposure causes your shingles to break down and erode their water shedding capabilities. Eventually the roof will leak.

Insurance Claims

How can Industry Elite help?

Roof damage due to severe Illinois weather conditions are, in most cases, covered by your homeowner’s insurance policy. It Is important, however, that you have your property inspected in a timely manner, or your insurance company may not approve your claim. Upon inspection, if our trained agent finds evidence of storm related damage to your roof, we can lead you through the process of filing your insurance claim.

We have helped hundreds of homeowners in Illinois with this complicated procedure. Our customers have discovered that our expertise is definitely helpful in obtaining the proper funding to replace their roofs. We will help you with your insurance claim and work with your adjuster to make sure you get everything you are entitled to, in regard to your claim. Our agents are trained to check for other damaged areas of your property (such as gutters, garage doors, screens, etc). These areas may have sustained hail, wind, or storm damage and may have otherwise been missed. It’s always best to have your claim adjusted correctly the first time, instead of having to get the adjuster back out for additional damage.

The insurance company has trained professionals working for them, and it is always wise for you, the homeowner, to do the same. Properly adjusting your claim is extremely important. If you allow Industry Elite to work on your behalf, we will make sure your insurance company allows enough funds to appropriately repair your property. The insurance industry has worked for years to perfect a system that minimizes their expenses and prevents homeowners from profiting off of the proceeds they pay out. Also, if they happen to “accidentally” leave out funds to replace your drip edge, or use an out-dated price list that does not reflect today’s material costs. Most homeowners would not know the difference unless they have a competent, experienced contractor working on their behalf. The tragedy is that many homeowners rely upon contractors who are unfamiliar with the insurance claim process.

As a homeowner, your main concern is very likely to be that your property is restored, to as good or better condition, as it was before the catastrophe. However, you are also likely to be concerned about the cost of the repair. Industry Elite can help you with both of these concerns. Our method allows you to give equal consideration to both. With Industry Elite, you can have your repairs done properly, without concern that at the end of the job, you will be billed above and beyond what your insurance company provided for the repair. Many contractors do not have the experience or the knowledge required to properly adjust your claim or to negotiate with the insurance company; therefore they end up cutting corners to get the price low enough to win your job. Insurance companies have developed a complex claim system, one that must be followed in order to properly file and complete your claim. The Adjuster’s Report alone can be confusing to those who have not dealt with this particular document on a daily basis. Industry Elite can help you with this.

What is Depreciation?

Often your insurance company will mail the homeowner an initial check, but they might withhold part of your claim settlement. These withheld funds are referred to as the “depreciation”. This is a complex subject that we will briefly attempt to explain here: Your insurer will often come up with a dollar amount they term the “RCV” (Replacement Cost Value). They will take your deductible out of that dollar amount, as well as the “depreciation’ funds, and send you a check for the difference.

Example:

  • Replacement Cost Value (RCV) $7,000
  • Subtract your deductible -$ 500
  • Subtract Recoverable Depreciation they withheld -$2500
  • The amount of your check= $4000

Most people receive this check and think they will have to find a roofer to do the job for $4000. In reality this is how it works: The Recoverable Depreciation withheld of $2,500 will be paid by the insurance company after you prove the work was completed. Industry Elite will fax them a final invoice showing the total amount it took to do the job and the insurance company will then send you another check for the depreciation based on the final amount of the invoice. In this way, they force the homeowner to always pay their deductible while insuring that they never overpay on a claim.

What is a Supplement?

What if the job will take more money than what your insurance company budgeted in the RCV of the adjuster’s report? (It might surprise you just how many times this WILL happen). In that case, we will contact your insurance company, and request what is referred to as a “Supplement” to your claim. By justifying why the additional cost is necessary, in most cases, we can obtain the funds directly from the insurer. Your salesman will let you know if we expect to request a “supplement” on your insurance claim. This will sometimes require the policyholder to phone their insurance carrier in order to give us permission to request this increase in the dollar amount of their claim.

What to Expect:

 

Industry Elite has a superintendent on every installation. He will contact you in advance of your material and dumpster delivery to let you know when these items will arrive, and to give you his phone number in case you need to contact him for any reason. The superintendent will be on your job first thing the morning of installation to discuss any concerns you may have, and to make sure that things are running smoothly. If you have contracted with Industry Elite to have your roof replaced, and are wondering how to prepare for the installation, you might be interested in the list below.

 

Light Fixtures, Mirrors, and Pictures: These items can fall if not firmly attached to the wall or ceilings. We suggest that you check to make sure they are secured. If in doubt, take them down. Small cracks or crows feet may sometimes appear in older plaster and sometimes small particles of the acoustical ceilings may fall. Industry Elite cannot assume responsibility of these items as a result of re-roofing.

Materials: Our supplier will be delivering your materials soon. Your job superintendent will review the material for accuracy and address any concerns before installation begins. Our crew is usually there to begin installation within a day of delivery. It is impossible to set an exact start date due to weather, material availability, and workload. Industry Elite makes every attempt to keep the homeowner informed of any changes.

Satellite Dish, Antennas & Solar Panels: We cannot guarantee that your satellite dish will not need to be re-tuned after installation. If it is out of line, your insurance company will reimburse you for the cost. Arrangements to remove and replace solar panels are the sole responsibility of the owner.

Tear Off: When it is necessary to remove your existing roof or roofs, debris will fall through your lath or decking into the attic. We suggest covering or removing any items which require protection. There will be a thorough clean up of the exterior of your premises, however, we can only pick up approximately 98% of the nails that fall around your premises. A magnet will be used to pick up as many nails as possible. It is a good idea to cut your grass very short the day before installation, the magnetic rollers do not do the job properly in deep grass.

Wiring & Air Conditioning Lines: Electrical, telephone, security and air conditioning lines should not be installed directly underneath the roof deck. If you are aware of any such lines, we must be notified immediately. We cannot be responsible for the puncture of improperly installed lines or lines within three inches of the roof deck.

Access: Your Contract prices are determined utilizing access to the driveways for our trucks, as well as electricity. If exterior plugs are not available, please run an extension cord through a window or door.

Trees & Shrubs: If you have low hanging branches over your roof, some trimming may be necessary. Our men will only cut those limbs which limit our ability to do an efficient job. In some cases, you may prefer to have the tree or trees trimmed by professionals before we begin our job.

Vents: At the end of each work day and upon completion of your job, please check the interior connections of your heater and hot water heater vent pipes.

Leftover Material: Our proposals are based on a complete job. Any left over materials belong to us unless otherwise stated in your contract. Generally we send more materials to the job site than is estimated to make sure the crews do not come up short. In addition, most crews carry some extra materials with them. Even though it may appear that you had some extra material left over, that may not be the case.

Final Appearance: You may notice “lumpy” or uneven shingles. These will lie down flat once the sun has had time to heat them. Inspect your roof from the ground before work begins to observe natural sags or high points in decking. These are generally not a structural concern but they will look the same after we re-roof your home. Rafters, decking, and houses settle over time creating these imperfections. If we discover a bad or rotten sheet of decking, we will replace as indicated in your contract. When a dumpster company is used there are often nails, screws and other debris left that were under the can. Our installers are no longer on the property at this time. It is imperative that you check for this, and remove any nails or debris that might have been left behind. Most jobs will use a dump truck or dump trailer which alleviate these concerns.

Light Fixtures, Mirrors, and Pictures

These items can fall if not firmly attached to the wall or ceilings. We suggest that you check to make sure they are secured. If in doubt, take them down. Small cracks or crows feet may sometimes appear in older plaster and sometimes small particles of the acoustical ceilings may fall. Industry Elite cannot assume responsibility of these items as a result of re-roofing.

 

Materials

Our supplier will be delivering your materials soon. Your job superintendent will review the material for accuracy and address any concerns before installation begins. Our crew is usually there to begin installation within a day of delivery. It is impossible to set an exact start date due to weather, material availability, and workload. Industry Elite makes every attempt to keep the homeowner informed of any changes.

 

Satellite Dish, Antennas & Solar Panels

We cannot guarantee that your satellite dish will not need to be re-tuned after installation. If it is out of line, your insurance company will reimburse you for the cost. Arrangements to remove and replace solar panels are the sole responsibility of the owner.

 

Tear Off

When it is necessary to remove your existing roof or roofs, debris will fall through your lath or decking into the attic. We suggest covering or removing any items which require protection. There will be a thorough clean up of the exterior of your premises, however, we can only pick up approximately 98% of the nails that fall around your premises. A magnet will be used to pick up as many nails as possible. It is a good idea to cut your grass very short the day before installation, the magnetic rollers do not do the job properly in deep grass.

 

Wiring & Air Conditioning Lines

Electrical, telephone, security and air conditioning lines should not be installed directly underneath the roof deck. If you are aware of any such lines, we must be notified immediately. We cannot be responsible for the puncture of improperly installed lines or lines within three inches of the roof deck.

Access

Your Contract prices are determined utilizing access to the driveways for our trucks, as well as electricity. If exterior plugs are not available, please run an extension cord through a window or door.

 

Trees & Shrubs

If you have low hanging branches over your roof, some trimming may be necessary. Our men will only cut those limbs which limit our ability to do an efficient job. In some cases, you may prefer to have the tree or trees trimmed by professionals before we begin our job.

 

Leftover Material

Our proposals are based on a complete job. Any left over materials belong to us unless otherwise stated in your contract. Generally we send more materials to the job site than is estimated to make sure the crews do not come up short. In addition, most crews carry some extra materials with them. Even though it may appear that you had some extra material left over, that may not be the case.

 

Vents

At the end of each work day and upon completion of your job, please check the interior connections of your heater and hot water heater vent pipes.

 

Final Appearance

You may notice “lumpy” or uneven shingles. These will lie down flat once the sun has had time to heat them. Inspect your roof from the ground before work begins to observe natural sags or high points in decking. These are generally not a structural concern but they will look the same after we re-roof your home. Rafters, decking, and houses settle over time creating these imperfections. If we discover a bad or rotten sheet of decking, we will replace as indicated in your contract. When a dumpster company is used there are often nails, screws and other debris left that were under the can. Our installers are no longer on the property at this time. It is imperative that you check for this, and remove any nails or debris that might have been left behind. Most jobs will use a dump truck or dump trailer which alleviate these concerns.

 

Payment

Payment for your roof will be outlined in your agreement with Industry Elite. Occasionally, the insurance check you receive will have your mortgage company’s name on it. Take a look at your check to see if that is the case. If so, do not wait. Let your salesman know immediately. If your mortgage company has a local office, it may be better to take it to them. Otherwise you will need to mail the check to the mortgage provider for endorsement. If this is necessary, your salesman will help expedite the process.

Also, your mortgage company may hold the money, and will usually release it in 3rds as the work is completed. Once again, your salesman should be able to aid you tremendously through this process, but you must let him know your mortgage company is involved. In cases where the mortgage company holds the funds, there are several forms that must be filled out, most of them by the contractor and homeowner: Lien Release Waiver, Letter of Authorization, and others. It will save valuable time by filling these out ahead of time with your salesman.

Some mortgage companies want to send out their own inspector to make sure the repairs were made before they will release any money. When they do release the funds, it will come to you and may have our name on it as well.

Most Important: Start the process NOW, do not wait until the job is finished. Let your salesman know so he can get the correct forms to the mortgage or insurance company.

INDUSTRY ELITE IS HERE TO HELP! Contact Us and we will provide you with the service you need in order to insure a fair and equitable settlement of your claim.