Despite the fact that hailstorms threaten your home and safety, everyone’s least favorite part of hail is working with insurance. The dreaded insurance claim where you have to prove to your own insurance company that you actually need their services. And at every turn, a company that is supposed to be helping you seems determined to deny you.
We know insurance can be a headache. As your local roofing contractor, Virginia Beach, we’re here to help!
On the other side of hailstorms, there are storm chasers. Roofing companies that knock on everyone’s doors after a storm— selling themselves like door-to-door salespeople. We can’t speak to the quality of every roof contractor. But as your local roofing company, Virginia Beach, we’re here for you!
We won’t disappear and leave you with a tedious insurance claim. We serve the areas we live in. We’re here to help year-round, especially after a hailstorm.
Right after a hailstorm in Virginia Beach, it’s important to recognize the damage.
Out of sight, out of mind. Since we can’t see the damage on our roof, we tend to assume it’s fine. Unless there’s some obvious major damage, we go back to ignoring our roof after a hailstorm.
We recommend checking your roof for damage. See if there are any dents, cracks, or missing shingles. Also, check for secondary damage. Are there dents or dings on your gutters, downspouts, or roof vents? Are there marks on your siding, decks, or window sills?
The most dangerous (and costly) of all are the hidden damages. Tears or punctures in roofing materials could lead to leaks. Weakened shingles can cause water damage to the underfoot and even roof deck. This is where roofing experts can save you in Virginia Beach, VA.
We offer free roof inspections to help you find those hidden problems before they snowball into expensive disasters. Our no-obligation expert assessments illuminate your real roofing needs— giving you an honest, transparent quote.
When should you replace or repair your roof in Virginia Beach?
That depends on the extent of the damage and the age of your roof.
If the damage is limited to a small area and your roof is new and otherwise in good condition, we recommend just a roof repair in Virginia Beach.
You should consider a full roof replacement in Virginia Beach if more than 30% of your roof is damaged. If there are multiple leaks or punctures, or your roof is nearing the end of its lifespan, we recommend a replacement.
Again, a free inspection can give you a detailed understanding of the damage. So, schedule your inspection now and make a smart, informed decision!
How can a roofing company help you with insurance claims?
Normally, you work with a roofing contractor to provide the insurance company with a detailed damage assessment. However, your trusted roofing company can help every step of the way, from understanding your policy to advocating for you during claim disputes.
Actual Cash Value (ACV) vs. Replacement Cost Value (RCV)
As roofing experts, we can help you understand the insurance policy language related to roof coverage. One of the biggest sources of confusion is Actual Cash Value (ACV) versus Replacement Cost Value (RCV).
Actual Cash Value (ACV) pays for the depreciated value of your roof. This payout is based on the current value of your roofing, factoring in age and condition. As a rule of thumb, your roof depreciates at around 5% per year after installation. ACVs generally have lower premiums but at the cost of higher out-of-pocket expenses.
Replacement Cost Value (RCV) covers the full cost of replacing your roof with a new one of similar quality. The payout is based on the current market cost to replace your roof, regardless of its age. Again, it has to be of similar quality. You can’t get insurance to pay for the cost of replacing your shingle roof with a metal roof in Virginia Beach. PCV policies usually have higher premiums but lower out-of-pocket expenses.
How a roofing company can help with insurance documentation.
A key aspect of a successful insurance claim is providing evidence. As your roofing company, we can conduct a thorough inspection, document damage through photos and videos, and provide a professional assessment. We can also provide a detailed, itemized estimate to help justify the costs to the insurance company.
It’s generally recommended that you shadow the insurance adjuster’s visit to ensure no damage is overlooked. Some roofing companies also offer to be present during this inspection to provide a professional perspective on the extent of the damage. Plus, it helps to have someone else fighting in your corner.
Addressing hail damage quickly is crucial for protecting your home and family.
Don’t wait for hidden damage to spiral into expensive damage— contact your trusted local roofers today!