wind damage | Infinite Roofing & Construction Roofing Blog

Your roof can suffer a great deal or damage when a big storm hits and your roof takes storm damage. Typically, this storm damage is covered by your homeowner’s insurance, which means you are more likely to take action to repair or replace your roof. “Storm Chasers” are fraudulent roofing contractors that know about the increased likelihood of roof repair in areas affected by large storms, and can rip off homeowners with poorly constructed roofing projects. Knowing how to identify these storm chasers can help you avoid falling for their corrupt tactics.

What is a storm chaser?

Roofing contractors who go to areas recently affected by storm damage, rain, hail or strong wind are called storm chasers. They use special programs to locate large storms and determine the value of affected homes. These roofing contractors have immense knowledge about insurance companies they use their knowledge to estimate the cost of a new roof. Local and reputable roofing companies are most likely overwhelmed and overbooked, and the “Storm Chasers” use that to their advantage and go door to door to notify residents that they have roofing services available. Typically, they will start by offering a free roof inspection.

Why are they unreliable?

Most storm chasers only do the bare minimum to replace a damaged roof. They will find the cheapest materials to quickly assemble a new roof, often leaving out important elements that a professional roofing company would take in consideration, and they fail to restore things back to their original condition. The roofs that are installed by them usually only have a lifespan of fewer than 10 years because they are installed using cheap material, whereas a professional roofing company using high-quality materials and techniques would leave you with a roof lasting 40 years with warranties to back up their install. Professional roofing companies have the certifications and licensing while storm chasers usually do not have the proper licensing or insurance to work on roofs.

In some cases, storm chasers do not replace the roof at all. Instead, they give a free inspection, quote a reasonable price and ask for upfront payment. Once they are paid, they move on to the next town without any intention of working on the roof.

What tactics do storm chasers use?

If you want to avoid being scammed by storm chasers do your research before handing over any money. Make sure that the contractors you hire to replace your roof or fix the storm damage have a reliable background and pay close attention to the approach they use. There are a few telltale signs that a contractor is a storm chaser.

1-They come directly to your home

The most obvious tell-tale sign for storm chaser is that they come directly to your door, Roofing companies don’t go out looking for work, especially after a big storm, they know that work would be coming to them as people will try to find reliable roofers in Albany to deal with their insurance agency and get the best repair or replacement possible. Storm chasers, on the other hand, move around to wherever the storms go, they cannot rely on the chances that people in need of roof repair will find them. Sometimes storm chasers go so far as to pretend they were sent by a company that previously worked on your roof. If this happens, ask for proof.

2-They want payment upfront.

No roofing company will ask for payment upfront before starting the job, When you pay storm chasers upfront, even if it is just a deposit, it is likely that it will be the last time you ever see them.

3-They offer to pay for the deductible.

How nice would it be to have your insurance deductible waived? Storm chasers think so, too. If a roofing contractor offers to pay for your deductible, they are probably a storm chaser. It is considered insurance fraud to allow a contractor to pay the deductible. If you let a roofing company pay your deductible, you will be the one responsible for committing the illegal act. Make sure you are familiar with your insurance policy and the laws regarding fraud to prevent yourself from falling into this trap.

4-They create damage that was not there before.

Because they are usually familiar with the insurance claim process, storm chasers sometimes create their own damage if the real damage is not sufficient. They may use golf balls, hammers or other hard, heavy objects to pound dents into your roof. Watch and listen carefully as contractors inspect your roof and have a camera or cell phone ready to catch them in the act if you are suspicious. Adding fake damage for the purpose of collecting insurance money can have serious consequences.

Educate yourself and your neighbors about the common signs of storm chasers to avoid being the victim of a roofing scheme. Check the Better Business Bureau if you are unsure of the legitimacy of a roofing contractor. This will tell you if the business is local and if complaints have been filed against it.

Infinite Roofing and Construction is proud to boast an A+ rating on the BBB. We are a local, trusted roofing company in Albany with over 20 years of experience. Getting a new roof is an expensive endeavor, so make sure you are getting it done right the first time by a company you can trust.

Your insurance typically covers roof damage, and any structural damage caused by a covered peril. Roof damage to your garage or other structures of the property are also covered under this section of your policy.

However, not every cause of roof replacement is covered under your policy, and roof damage can happen in a multitude of ways.

If your roof has been neglected over the years and deteriorated because of that cause, the damage to your roof may not be covered by your insurance company, and your claim can be denied. You may also be out of luck if your roof was damaged by an earthquake, flood or mudslide unless you have additional coverage for those perils.

Damage caused by wind, or hail are typically covered under a standard insurance policy, but it is common for insurers to require separate deductibles for those perils.

Does homeowners insurance cover wind and hail damage to my roof?

A standard home insurance policy usually covers Wind and hail as these are two common causes of roof damage. However, in states like Kansas and Oklahoma which experience these hazards more frequently than other parts of the country, insurers are more likely to increase the cost of their policies to reflect the high risk and recurring claims.

The severity of the damage may also determine how much and if you would qualify for your insurance company paying for the damage. For example, if a few shingles on your roof had slight nicks in them after a hail storm, your home insurance company may classify it as “cosmetic” damage, which is a common dwelling coverage exclusion. As a matter of practicality, it may not be worth filing a claim for aesthetic roof damage anyway, as the deductible may end up higher than the total damage cost.

Does homeowners insurance cover roof leaks?

Your home insurance company will cover a roof leak if:

The leak was caused by a peril that’s covered in your policy, and the damage was swift, sudden and didn’t accumulate over a number of years.

This can be an area of contention in home insurance policies, though, as a leak that came as a complete surprise to the homeowner may be perceived as an instance of neglect to the insurer.

For example, if you live in a wintry climate and your roof gets layered with snow every winter, you may not notice its gradual deterioration until that big storm hits and a large section begins leaking. Even though the event that triggered the leak was a big storm, your insurer may view the damage as gradual and deny your claim.

Can my claim be refused by the insurer if my roof is too old?

After you sign your homeowners’ insurance application, the insurance company will send out an insurance adjuster for your roofing insurance claim to make sure everything you claimed in the application checks out and determine if coverage adjustments are needed. It’s not just about coverage limits though, the insurance company wants to know if you’re even worth insuring based on how likely you’re going to be filing claims; they’ve been known to deny applications post-inspection.

The roofs quality and how old it is; is one of the key structural components of your home that they inspect. If the roof age has eclipsed 20 years some insurers refuse to renew existing policies without passing inspection first from a roofing company in the roofing insurance claim process.

Other insurers simply won’t write new policies for homes with roofing that’s 15 to 20 years old, and if they do, they’ll specify that it’s only covered under an actual cash value policy. Which means that, if your roof gets damaged or destroyed, the company only pays out whatever the value of your roof is after 20+ years of depreciation.

Replacing a roof can get expensive, contact a roofing company to get quotes on how much it would cost to have your roof replaced, While the costs provided by the roofing company may seem expensive, you may not have much of a choice if your roof is ancient, as doing nothing could mean having no homeowners insurance policy at all.

Filing a roof replacement claim

Contact your insurance company immediately if you suspect that your roof was damaged after a storm or got attacked by an army of squirrels. Always take pictures of the damage done to your roof to provide evidence of your roofing insurance claim process.

Usually, before and after pictures tend to do the trick, but even pictures of just the damage after the storm or the incident can help the claim and help the roofing company in your area determine how much it would be to repair or have a roof replacement without coming out to your house.

Provide evidence of your claim

Schedule an insurance claim inspector to come by and survey the damage

The damage needs to be repaired as quickly as possible, find a local roofing company to give you an estimate and do the repair for you. Not only does having a leak or hole in your roof provide unwanted access points in your house, but you’re also risking further damage to everything inside.

Infinite Roofing and Construction gives free estimates for roof repairs and replacements, we can deal with your insurance company to get you the best roof replacement that your house deserves with the best roofers in Albany to do the job for you.

What are “Storm Chasers”?