Residential Roofing: Top 3 Roofing Insurance Claim Mistakes to Avoid

When your roof has been damaged in a strong storm, the last thing you want to worry about is how to pay for repairs. Dealing with water damage to your home is stressful enough.

Yet, filing an insurance claim is often a necessity and, therefore, it’s critical to educate yourself on common errors homeowners make that can lead to claims being rejected. The unfortunate truth is, the number one cause of insurance companies not paying on a claim is because of mistakes made during the claim process.

Residential Roofing: Top 3 Roofing Insurance Claim Mistakes to Avoid

Top 3 Roofing Insurance Claim Mistakes to Avoid

Before filing a claim, always contact a roofing inspection contractor to assess the damage.

The #1 mistake homeowners make when their roof is damaged is calling the insurance company first. Homeowners should actually call their roofing contractor first and have them assess the damage, then create a thorough estimate that details every bit of damage and how much it will cost to repair it.

Armed with a professional assessment of the damage, you can then file a claim to get your repairs covered – you will have a complete picture of your property’s condition, and the claim you submit will be accurate. 

Most insurance policies have a certain period for filing a claim, so make sure to file it as soon as possible.

Documentation is key when it comes to insurance, and it’s also vital to thoroughly understand your rights as well as your responsibilities when it comes to issues like warranties and policy protections.

Problem #1: Insufficient Documentation

One of the most common and costliest mistakes homeowners make when it comes to filing roofing-related insurance claims is failing to provide adequate documentation. If a roofing problem has led to significant damage that you’re looking to cover under your home insurance policy, it is generally your responsibility to demonstrate beyond a doubt that the issue was not caused by your own negligence.

To this end, home insurance experts recommend that you regularly document the condition of your home. It is a good idea to update this documentation on an annual basis, and to collect evidence that shows you are making a good faith effort to keep your home in good condition. Specific to roofing, it is a good idea to take photographs that show the condition of the roof, as well as the condition of connected and underlying structural elements. If a problem occurs, you should also document the damage in photographs so the claims adjuster has a visual point of comparison that shows the condition of your home both before and after the problem.

It is also important that you take prompt corrective action if you detect a minor roofing problem that could lead to damage down the road. Leaks and cracks should be repaired immediately. If you choose to do DIY repairs, keep receipts that prove you purchased repair products, and take before-and-after photos to show the work. If you hire a contractor, keep a copy of the invoice on hand, and be sure it details all work the professional performed.

Problem #2: Inadequate or Expired Warranty

Another common mistake arises from incomplete understandings of product warranties.

Sometimes, homeowners file insurance claims after learning that a manufacturer’s warranties had expired or did not cover the nature of the problem that arose – truth is, natural events are usually not included in these warranties. Always be sure you completely understand the coverage provided by product warranties, as well as their limitations, exclusions and exceptions.

Your home insurance provider may not cover you if an unexpected warranty coverage shortfall resulted in damage that could have been prevented.

Problem #3: Hiring Shady Contractors

Finally, ask any contractor you hire about their own insurance coverage, and find out whether or not there is any possibility that you might be liable for injuries, accidents or property damage that occurs during the execution of a roofing project. Most contractors carry comprehensive insurance, but some professionals offering unusually low rates are able to offer their rock-bottom prices by going light on things like insurance coverage.

Take your time and find a roofing contractor that has a good reputation within the community, is able to provide references, and has experience working with insurance adjusters on roofing claims.

Be proactive, ask questions, and keep documentation. This will make it far less likely that you will encounter problems when filing a claim.

Let Us Assist You

If your roof has been damaged, contact All Roofing Solutions before calling your insurance company. We are a family owned and operated Delaware roofer with nearly two decades of experience in residential and commercial roofing. We will help you navigate your way through the roof insurance claims process!

We know how to spot minor or even hidden signs of roof damage. We will inspect your roof thoroughly, and prepare a detailed assessment for your insurance company. And we will be on your side through the entire process until your insurance claim is approved.

Call 302-725-ROOF (7663) in Delaware or 610-551-ROOF (7663) in Pennsylvania for a free estimate!

Residential Roofing Installation: How to Choose Asphalt Shingles

When it comes to new roof installations, it’s always a good idea to invest in quality materials that ensure your roof withstands the elements and performs well year after year.

Given that asphalt roofs are among the most common and affordable options on the market, it’s good to know how to identify a top-quality asphalt shingle for your new roof. Price isn’t necessarily the most important indicator of quality, either.

Residential Roofing: How to Choose Asphalt Shingles

Selecting Roof Shingles

To get the most for your money, make sure that you consider life span, durability, weather resistance and quality when you select your new roof shingles.

  • Color: There are thousands of options on the market so start by checking your homeowner’s association regulations. Look for roof shingles that complement your siding or brick. Remember, light roofing colors typically make a structure seem larger and more contemporary, while darker colors can make a building feel cozier and more traditional.
  • Style: Shingles come in a variety of styles, depending on your budget and taste. Large format shingles cover more area in less time, but they don’t add dimension to your home’s roof. Laminated or “architectural” shingles offer a more in-depth, custom look. Strip roof shingles can also provide texture, since they can be layered to add depth to your roof’s surface.
  • Quality and durability: Life span, sturdiness and weather resistance are all important considerations when you’re replacing a shingle roof. Choose roofing shingles with a lengthy, comprehensive manufacturer’s warranty since high-quality shingles come with warranties of up to 25 years or more.

Residential Roofing Installation: How to Choose Asphalt Shingles

The two most important things to look for in a quality asphalt shingle are its performance characteristics and its warranty.

Choosing Asphalt Shingle – Performance Characteristics

Performance characteristics include metrics like weight, wind resistance, and the level of ventilation the shingle allows. Generally speaking, heavier shingles are more durable, and will also tend to cost more.

Shingles with higher levels of wind resistance withstand the elements better. While you may look at a given shingle and wonder whether you really need one with 110 mile-per-hour wind resistance, remember that the hardier overall construction means it will outperform other shingles in normal weather conditions as well.

With residential roofing, you need to be aware of local building codes when choosing asphalt shingles, as some municipalities have ordinances that require homeowners installing shingle roofs to meet specific ventilation criteria. If you’re unsure about local regulations, call your municipal housing authority.

Choosing Asphalt Shingles – Warranty Details

When it comes to the shingle’s warranty, longer is definitely better. Asphalt shingles with shorter warranties are quite simply not expected to hold up for as long as better-built shingles with longer coverage duration, so while they tend to be cheaper, you may also have to replace them sooner.

As a consumer, you should also know the difference between manufacturer’s & contractor’s warranty. A manufacturer’s warranty covers the materials used to build your roof, while the contractor’s warranty covers the installation and workmanship.

Looking for asphalt shingle installation contractor?

Of course, the very best shingles on the market won’t help you much if you don’t choose the right roofing contractor to install them so finding quality contractor is key.

At All Roofing Solutions, we serve residential and commercial customers throughout Delaware and southeastern Pennsylvania, and we’ve earned an excellent reputation for quality and customer satisfaction. Family owned and operated since 1998, we are proud to be a team of experienced roofers who are committed to helping you with your next roofing project.

If you need a quality Delaware roofing contractor, call 302-725-ROOF (7663) in Delaware or 610-551-ROOF (7663) in Pennsylvania
to request your FREE estimate! And don’t forget to ask about our discount of $400 off any complete roofing job!

Eco-Friendly Roofing: Why Recycle Old Asphalt Shingles

As we collectively move toward a more eco-conscious society, more and more people are choosing to recycle their asphalt shingles rather than send them to a landfill, when they’re re-roofing their home.

Eco-Friendly Roofing: Why Recycle Old Asphalt Shingles

Eco-Friendly Roofing: Why Recycle Old Asphalt Shingles

Shingle recycling is an easy choice to make, as it requires very little effort on your part other than a commitment to designate the asphalt for reuse. Growing numbers of roofing contractors are also offering shingle recycling services as an alternative to traditional disposal methods.

What Are Recycled Shingles Used For?

As a recyclable material, shingles are important because they contain asphalt. The asphalt extracted from old shingles is most commonly used in road construction, maintenance and repair, though it can also be used to make new shingles. The shingles from one average-sized home can pave about 200 feet of a two-lane highway. Asphalt also has some applications in alternative energy generation.

One of the biggest benefits of recycling your asphalt shingles is that it reduces the need for construction and road repair companies to purchase new asphalt. The production of asphalt comes with a significant environmental price tag, and sending your shingles off to be reused helps decrease reliance on resource-depleting primary-source asphalt.

Additional Benefits of Shingle Recycling

Choosing to recycle your shingles rather than outright disposing of them also has important trickle-down benefits which you should keep in mind:

  • Job creation. Choosing to recycle your shingles helps spur economic growth in the recycling industry, which ultimately makes a positive contribution to job creation efforts.
  • Taxpayer savings. Because recycled asphalt is available at a reduced cost, it ultimately helps taxpayers save money on the costs of road repair and maintenance.

Questions to Ask Your Roofing Contractor

As you’re shopping around for a roofing contractor, be sure to ask in advance if they offer shingle recycling, if you’re interested in participating. Not all contractors recycle shingles, and if work has already begun on your roof, you may be left to recycle leftover materials at your own effort and expense.

If you’re interested in working with a contractor who doesn’t yet participate in a shingle recycling program, ask the contractor to direct you to a local service that will support your efforts, or search for a recycler online. Most roofing companies are happy to facilitate customer efforts to recycle building materials.

Finally, be sure to talk to your roofing contractor or person with asphalt recycling expertise if you’re unsure whether or not your shingles are recyclable in the first place. Not all roofing materials are good candidates for recycling, so figure out in advance whether or not yours qualify to avoid later disappointment and inconvenience.

All Roofing Solutions is a family-owned & operated Delaware & Pennsylvania roofing contractor with over 19 years of local experience in residential & commercial roofing. We offer affordable, expert roof repair, replacement and installation services and pride ourselves with quality workmanship, reliability & honesty!

Join the ranks of our happy clients today!

Call 302-725-ROOF (7663) in DE or 610-551-ROOF (7663) in PA to schedule your FREE ESTIMATE!

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