The Ultimate Guide to Hail Damage Roof Replacement
June 16, 2020
A step-by-step guide from inspection through roof replacement.
- Find us on Google with “best roofing company,” “best roofing contractor,” or “best roofer near me,” drive past our work, or on a referral basis.
- Initiate contact via email or phone.
- One of our staff
will have an initial call to understand the reason for your inquiry and
schedule a free, no-obligation, roof inspection, typically the next day to
several days out, depending on the time of year and our schedule.
- We will schedule a set time for our inspection. We set an actual inspection time; we do not give 2-hour or 4-hour windows like other companies.
- We inspect your
roof and exterior of home (inside too if you’ve shared there is any interior
- A roof inspection will include looking at roof shingles or other types of roofing material, skylights, chimney, HVAC, metal flashing, and gutters. We will also look for exposed or rusted roofing nails.
- The exterior inspection will look for windows, siding, painting, downspouts, window wells, and more.
- We document our inspection results with photos of your roof and more, plus videos, all of which can be helpful with the claims process.
- We discuss our inspection results with you, sharing any photos or videos, so you can see what we see – whether your roof is in good condition or not.
Meeting with Your Insurance Company
- Depending on the extent of roof damage, we may recommend a roof repair or roof replacement, and may recommend you file an insurance claim with your insurance provider.
- To file a roof
insurance claim, you will need to know the date of loss and reason for the
claim – i.e., hail damage claim.
- Your roofer will know the date of loss to provide, based on the most recent or most significant reported hailstorm within the defined insurance claim window. (Many insurance companies limit a policyholder’s ability to file an insurance claim within one year of the date of loss from storm damage. The actual limit will vary by each insurance company, so we recommend filing as timely as possible. In this example, you cannot file an insurance claim on August 1, 2020, for a date of loss on July 4, 2019.
- Of note, to file an insurance claim for a date of loss within the defined time, you also must own your home as of the date of loss. In this example, if you purchased your home in December 2019 and have hail damage from the July 2019 hailstorm, you cannot file an insurance claim with the July 2019 date of loss.
- We can help you call and file your roofing claim if you like with your local insurance agent or a central claims department. Once you’ve filed a hail-related claim, you will receive a claim number. It is essential to keep this safe.
- Within several days, an assigned insurance adjuster (representing the insurance company) will contact you to schedule the insurance company inspection.
- At Metro City Roofing, we strongly recommend (and will make every effort possible) that we attend this insurance inspection. As a roofing contractor, we represent you the policyholder and walk the property and roof together, ensuring the insurance adjuster sees the damage we’ve seen and documented.
- Once your insurance adjuster completes the inspection, he/she will communicate with you, the policyholder, and share the inspection results.
Settling Your Insurance Claim
- Assuming the insurance adjuster recommends a new roof replacement, he/she will create an initial insurance estimate for replacement cost. Some insurance companies will write the estimate on the spot while many will write the estimate later and mail it to you. Some will even provide you with an initial check based on the current market replacement value, less your deductible and depreciation (calculated based on the age of your roof and condition).
- Once you receive your initial insurance estimate, we need a copy, too, to review for accuracy and determine what, if any, supplement items need to be provided to the insurance company.
- Metro City Roofing uses industry-standard aerial measurement software to measure your roof (square feet, pitches, gutter lengths, and more).
- We also use industry-standard estimating software to create estimates that we share with customers and insurance companies.
- By using industry-standard measurement and estimating software, our supplement process is more efficient.
- We then submit a supplement to your insurance provider, which may include our estimate, measurement report, photos, and code documentation as needed to support our request to settle your roof claim.
- The supplement process can take several days to several weeks; it’s the long pole in the tent as we say – as we do not control the timing.
- Once we’ve settled your insurance claim satisfactorily, we review together with you and typically sign a contract. In this process, you have many roofing options, and will select your roofing material and color, including the color of roofing vents and more.
Ordering Your Permit and Materials
- Metro City Roofing will then pull a permit for your new roof replacement and submit the permit, plus our signed contract, to your insurance company. Some insurance companies will release all balance of funds at this point while others still require a final invoice and communication that all work is completed.
- We will next order
your roofing materials with a roofing supplies company and request a date for
delivery. Delivery options will either be a roof load where the roofing
supplies company load materials directly onto your roof or a ground drop in
front of your house. The delivery option is mainly dependent on the
accessibility of your roof from the street. Of course, we will communicate with
you about the date of delivery.
- If materials are roof loaded, this is typically completed one or more days in advance. When materials are scheduled to be roof loaded, the roof supplies company will need access to your driveway – and all vehicles cleared.
- If materials must be ground dropped, we will have materials delivered the day of your roof replacement, so that we avoid material theft. (Yes, this happens more frequently than we’d like – and one time is enough.)
- Depending on your home’s age, we may need to install sheathing or decking to meet the code requirements of a solidly sheathed deck. When this is required, the workload typically adds a full day to a roof replacement project.
We will then schedule labor to complete your roof replacement (or repair).
Day of the Build
- Our crew typically arrives at 7 am and works until sundown if a 1-day project. Times can change based on the time of year and amount of sunlight and weather conditions).
- An experienced project manager will post a permit (where required to be posted) and review your project with the crew. We typically like to chat with customers at the beginning of your project to reiterate all that’s going to happen over the roof replacement course. Our project manager will inspect the materials for accuracy as well.
- Our crew will start by covering the perimeter of your property will tarps, which includes driveway, entryways, flowers, and bushes.
- We will also back our truck or dumpster as close to your property as possible to discard your existing roof materials as efficiently as possible.
- We will tear-off your old roofing materials and inspect the roof decking or roof sheathing in more detail. New wood decking may need to be installed to meet code requirements of a solidly sheathed deck. Yes, that’s a real thing.
- Our crew will begin the roof installation to hammer any raised nails to ensure they’re all flush with the roof deck.
- We will install drip edge and gutter apron, roofing felt underlayment, starter shingles, valley flashing, and an ice barrier where code is required. (When code required to prevent ice dams, an ice barrier must extend a minimum 24 inches from the edge of your roofline.) Following this, our installers will install your new shingles and ridge cap, ridge vent (if elected). If your home or business is in a high-wind area, additional nailing may be required.
- The tear-off and roof replacement process would be similar with another type of roof material.
- Once we’re completed, the crew will clean up all old roofing materials and debris, and magnetically sweep your property for nails and trimmed metal. Our project manager will walk your property too to ensure clean-up meets our standards.
Final Settlement with Your Insurance Company
- We will submit any final documentation to your insurance company so they will release the balance of funds owed to you. This can include updating the insurance estimate price list to the current month. (Often, the price list on your initial estimate will be based on the date of loss – but the price list will be updated to the month work is completed.
- Once you receive all final payment, we will submit an invoice for payment to Metro City Roofing.
- Once we receive payment in full, Metro City Roofing will provide you with a final packet. This packet includes your invoice (reflecting paid in full), a sticker to affix in your garage or elsewhere stating the date of roof replacement and material installed, and a Class 4 certification where required by insurance companies to warrant a discount on your insurance policy premium.
You pay your insurance deductible – that’s it. No surprises. Working with Metro City Roofing is hassle-free.
What You Can Do
For the purposes of this article, we’ll assume you’ve already researched your roofing company.
The following lists numerous options to protect yourself against a fraudulent roofing contractor.
- Search for an established, licensed, and insured local contractor with a federal tax identification number and a permanent address. The roofing contractor’s office address should be one you could visit should you choose – and not a month-to-month coworking space.
- Ask your contractor for its license number and confirm the accuracy and current standing with your city or county building department. Any reputable roofing company would be proud to share this information with you.
- Validate the roofing contractor is legally registered to conduct business in Colorado at https://www.sos.state.co.us/biz/BusinessEntityCriteriaExt.do
- Beware of any roofing contractor who knocks on your door following a storm. Many legitimate roofing contractors do not conduct business this way.
- Contact the Better Business Bureau for any complaints filed against the roofing contractor you are considering hiring (http://www.bbb.org/denver)
- Request references (and check them) from previous customers. A quality roofing professional will be proud to provide references.
- Research the roofing company’s online reviews and testimonials. While many companies lean towards Google as the default for online reviews, you can check with the Better Business Bureau, HomeAdvisor, and more.
- Ask your roofing contractor to review with you any documents to be sent to your insurance company
- Validate your roofing contractor completes all work before making payment in full
- Avoid pressure to sign a contract immediately, and ask your roofing contractor to review it in detail with you
- Make sure the contract includes the scope of work and roofing products to be used, including manufacturer, and approximate dates of service, and a statement that allows the property owner to cancel the contract if the insurance claim is denied in whole or in part within 72 hours.
Why Metro City Roofing?
Metro City Roofing is your hassle-free answer to professional roofing services – residential roofing, commercial roofing, restoration, and roof repair. We are hail damage and wind damage roofing experts and have perfected the insurance claim and roof restoration process. Our staff are state-licensed independent adjusters, which allows us to evaluate your property with the same lens as an insurance adjuster. Our professional roofing services staff will settle your hail or wind insurance claim directly, including possible code-related requirements, to ensure that you receive all funds owed to you.
Metro City Roofing provides the best professional roofing services in metro Denver and across the Front Range. We install the highest-quality roofing materials and aim for your complete satisfaction at every stage of the roof replacement process. As a professional roofer, we aim to deliver outstanding customer services and approach every roofing project we manage like it is our own home.
We are experts in all types of roofing systems, including asphalt shingle roofs, metal roofing (standing seam, metal shingles), wood shakes and wood shingles, tile roofs (slate tiles, concrete tiles, clay tiles, synthetic tiles), and flat roof materials (modified bitumen, TPO, EPDM), and more.
We are family-owned and operated, and live year-round in the same Colorado community as you.
We continually strive to differentiate from our competitors in the following ways:
- Licensed inspectors who inspect your roof and property with the lens of an insurance adjuster; all commercial roof inspections include an evaluation with an infrared camera
- Professional insurance claims experts who settle your hail damage or wind damage claim successfully
- Expert sales representatives who help customers select the best roof for their home or business
- Quality project managers who provide expert supervision on every roofing project
- Experienced roof installers who are certified, fully insured and committed to delivering high-quality craftsmanship
- Long-term warranties that cover roof material and quality and are backed by manufacturers
We hope you’ve enjoyed this ultimate guide to roof replacement.