Roofing Insurance Claims

FREE INSURANCE & HAIL CLAIM ASSISTANCE For Your Oklahoma City, Fort Worth Roofing, Dallas Roofing, Lubbock Roofing, Houston Roofing, Austin Roofing, Amarillo Roofing and Repair Needs!

Hate handling insurance claims? Hackney Roofing will handle your claim for FREE – and do all the work for your insurance companies quoted price – GUARANTEED!

• Free claims management and assistance.
• Guaranteed roof replacement for insurance company estimate.
• Complimentary roof analysis prior to you filing a claim.

The way an insurance claim is handled does make a difference. . .

Over the years Hackney Roofing has dealt with numerous insurance claims and has developed a system which helps our customers settle their insurance claims as quickly, painlessly and comprehensively as possible.

All of our customers can benefit from our complimentary claims management program.

This program allows the homeowner to be involved in as much or as little of the claims process as they like. We can handle the whole claim from start to finish, or simply be a sounding board which the customer can use whenever they would like advice. Either way, we guarantee to install your new roof per insurance company pricing and specifications.

In many cases, we can even install and upgrad the roof, for the insurance company allowance, at no charge to our customers! A well handled claim should be a worry free process with a new roof (often upgraded) being installed for little or no money out of pocket.

If it is not handled properly, a claim can be denied completely or the homeowner may end up paying thousands of dollars when it was not necessary.

Give us a call today and we’ll be delighted to walk you through the process.

Q: How I do I know if my roof has hail damage? Can I tell from the ground?
A: If there has been hail in the area, there is a possibility of damage. To determine if the shingles have been damaged a close inspection of the shingles has to be made from the roof. This determination usually cannot be made from the ground.

Q: If I think I have hail damage what should I do?
A: Call your insurance company and ask for an adjuster to come inspect your roof for hail damage. Call a reputable roofing company and ask for the same inspection. If there are any discrepancies between the adjuster's findings and the roofer's findings you may call for a "RE-INSPECTION" where your adjuster meets with the roofer to go over the roof together. Re-inspections are very common.
The insurance company must determine two things when assessing the amount of your loss:
1. Was there sufficient damage to the roof to declare it a total loss? (Usually determined by 10 verified hail hits per 100 square feet.)
2. What is the size of the roof and how many shingles will be needed to replace the roof?

Q: What does hail do to a roof?
A: Shingles are designed so that the granules block the UV rays of the sun and protect the asphalt underlayment. As the shingles age the granules fall off over time. As the asphalt is exposed to UV rays, it dries out and the shingle gets a "potato chip" appearance as the corners start to curl up. A shingle at the extreme end of its life is bubbled in appearance and is brittle to the touch. A 20-year shingle is warranted by the manufacturer to have a useful life, under optimal ventilation conditions, of 20 years. Hail does several things:

• Accelerates granule loss.
• Accelerates shingle aging.
• Voids manufacturer's warrantees.
• Leads to other associated problems.

Q: Do I need to get my roof replaced right away?
A: The insidious nature of hail damage is that it may pose no immediate threat to the structural integrity of the roof. However, many insurance companies have a "statute of limitations" on how long a hail damage claim is viable. If you have experienced a loss such as hail damage it is prudent to take care of the problem in a timely manner before it leads to other associated problems.

Q: What does hail hit look like?
A: A hail hit on a shingle looks like a "bruise" or a dark spot where the granules on the shingle have been knocked off and the asphalt underlayment and sometimes the fiberglass mat is exposed. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and has not had time to weather to a dull color.

Q: Why would my insurance company replace my roof?
A: The purpose of home owner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If a roof has hail damage, it has experienced a financial loss in the original investment of a 20-year roof (for example) has now been reduced to a 5-10 year useful life span. Your insurance company should compensate for this loss and replace the roof.

Q: Why does the estimate read that there are more shingles to replace then there are to remove?
A: The amount of shingles to remove from your roof is the actual amount of square feet that it takes to shingle your roof. However, when putting on shingles, some shingles have to be cut to fit dimensions, ridges, hips and valleys. The insurance company adds 10% to regular ridge roofs and 15% to hip and ridge roofs to account for the loss of shingles.

Q: My gutters and siding were damaged and the insurance company paid me for how many linear feet had to be replaced.
When I called a contractor they had a minimum fee which was far in excess of the small amount the insurance company paid me. What can I do?
A: Your insurance company understands minimum charges such as these and has set prices they are prepared to pay as minimum charges for all trades. They do not give you the minimum charge up front because such a large percentage of their customers never call a contractor and just pocket the money. If you call your adjuster and ask for the minimum charge for the work, they will pay it without any hesitation.

Q: In my adjustment, my insurance company deducted some money for depreciation, what is that all about?
A: Different insurance companies call the amount that they hold back different things. Some call it depreciation; other companies figure it in as a dump and removal fee. What it represents is the amount of money the company will hold back until they receive a signed contract from you and a contractor for the work. When they receive a signed contract, you will receive another check for the amount they have held back.

Q: My insurance adjuster said there was no hail damage on his first inspection, I asked Hackneys estimator to call him and request to walk through a re-inspection with him. On the re-inspection the adjuster concluded that there was hail damage and "totaled" the roof. Why such a dramatic turn around?
A: There are many different reasons that this happens. Sometimes adjusters get to a roof too soon after the actual damage and the hits haven't had a chance to weather yet. Other times the adjusters are either inexperienced, tired from looking at so many roofs that day, or just make mistakes. The best results for the benefit of homeowner seem to be obtained when an experienced roofer walks through the inspection with the insurance adjuster and calls to the adjuster's attention.