Faq

INSURANCE CLAIMS FAQ.

Q. How do I know if I hail damage? My roof isn’t leaking.
A. In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be readily apparent and may not start to leak for some time. It’s best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.

Q. The insurance company withheld depreciation on my roof. Will I get that money?
A. Yes. Most homeowner’s policies cover full replacement value. The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with its useful remaining life. The money that was withheld is call the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjusters summary report.

Q. Why did the insurance company withhold depreciation?
A. There are two reasons that the insurance companies hold some money back. The first reason is to make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, many people end up spending it on something else. The second reason is that they wish to make sure that you pay your full deductible. The insurance companies reason that, if you were given all the money to begin with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand. By holding a retainage amount, they can adjust the amount of the final payout based on the roofing contractor’s invoice, thus assuring that the customer does pay the deductible.

Q. On my paperwork, it looks like my insurance company has already deducted my deductible from the check they sent me?
A. When most people look at their insurance paperwork they are confused, because they see the insurance company has subtracted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the homeowners deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible is the total amount the insurance company will actually pay for the claim.

Q. The insurance is only paying for part of my roof, and my neighbor’s insurance company paid for their entire roof; why is my insurance company only paying for part of my roof?
A. No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they’re not able to walk on a step roof and photograph certain areas. Atlanta's Best Roofers ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.

Q. My Insurance Company said to get three estimates. Do I have to?
A. As you can expect, the insurance industry will use and play the estimate game to their advantage if you let them. After a major storm it is virtually impossible to get a company to answer their telephone let alone making appointments and scheduling with three different companies in a state of crisis! All you need is for Atlanta's Best Roofers to contact your adjuster to negotiate the claim and receive the approval on the project. It is really that simple. Give us a call today and we will take care of everything so you don’t have the hassle of dealing with your insurance company.

Q. What if your estimate is greater than the insurance company’s estimate?
A. Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.

SCHEDULING

We will make every effort to schedule your re-roofing project at a time that is convenient to all parties involved.
If you would like to request a specific date please call our office. Otherwise we will call to inform you of the start date.

WEATHER CONDITIONS

Should your project be delayed due to bad weather we will try again on the next day, provided there’s good weather, or we’ll notify you when we can proceed.
We are fully prepared in case the weather should turn bad during the project. The crews will seal your roof to prevent any water from entering your home, and we will resume work as soon as weather permits.

DELIVERY

If you have specified to our representative where you want the materials delivered we will bring it there.
If your driveway has bad conditions or could get damaged by the weight of the delivery truck, we need to be notified before delivery. Please notify us 24 hours prior to delivery of any changes with your instructions.

COMMUNICATIONS

If you have any questions or problems during your roofing job, please call the office immediately.
Our office hours are from 8:00 am to 5:00 pm Monday through Friday.

SHINGLES

There are usually two types of shingles sent to the job. One is the starter shingle.
The other shingles sent for your project are the brand, color and style of shingles you requested to have installed.

WIRING AND AIR CONDITIONING

Electrical, telephone, security, air conditioning or any other service lines should not be installed directly underneath the roof decking.
It should neither touch nor lie against the roof decking in the attic areas. When we are nailing from above, the roof nails will penetrate the decking and can puncture lines. If you are aware of such lines, we must be notified immediately. We cannot be responsible for the puncture of improperly installed lines.

LIGHT FIXTURES, MIRRORS AND PICTURES

These items can fall if not firmly attached to the wall or ceiling.
We suggest that you check and make sure they are secured. We will not assume responsibility for plasters and small particles of acoustic material falling from where the nail heads are, or for small cracks or crow’s feet that appear on older plaster.

TEAR-OFF

During removal of the old roof, debris like plywood and 1X8/1X6 decking joints will likely fall on the attic, please take necessary steps to protect all items you might have there.
We will cover any exterior areas you indicate that require protection and a thorough clean up will be done thereafter. We will not assume responsibility of debris that might fall inside the attic.

ACCESS

If you have low hanging branches over the roof or that too close to the work area, some trimming may be necessary.
Our men will only cut those that limit our ability to do an efficient job. You may prefer to have the tree or trees trimmed by professionals before we begin work.

TREES, BRANCHES AND SHRUBS

During removal of the old roof, debris like plywood and 1X8/1X6 decking joints will likely fall on the attic, please take necessary steps to protect all items you might have there.
We will cover any exterior areas you indicate that require protection and a thorough clean up will be done thereafter. We will not assume responsibility of debris that might fall inside the attic.

CHIMNEY FLASHING AND COUNTER-FLASHING

When removing the step flashing around the perimeter of a chimney and cricket, Atlanta's Best Roofers will inspect and replace the step flashing if necessary at an additional charge to the customer.
After removal and we see rotten decking, 2X4 bracing, or brick damage, additional charges will be made. We will take pictures of these damages and inform the customer and ask for authorization before proceeding.

SOLAR PANEL – SKYLIGHTS

Arrangements in removal or replacement of solar panels are the sole responsibility of the owner unless stated otherwise in the contract. Also, we cannot be responsible for old or inadequate skylights breaking.
If you decide to use such, our warranty against leaks will be forfeited. Atlanta's Best Roofers can have new custom sky lights made and installed at additional charge or if desired, can remove the old ones and close the holes.

ANTENNAS AND SATELLITE DISH

These two devices will need to be removed from the roof before installation of the shingles.
We will put these devices back on the same spot, with the same screw holes and in the same direction it was in. However, there is a chance you will need to call your cable company just in case the reception becomes bad. It’s usually not the case though when we set satellite dishes back on the same position.

VENTS

Upon completion of the job, please check the interior connections of your furnace and also your hot water heater vent pipes.
If you are unable to do this, Let us know and our foreman we’ll be happy to do it for you.

LEFT OVER MATERIALS

Our proposals are based on complete jobs.
Any leftover materials will remain the property of the company. We customarily ship more than what is needed to ensure an adequate supply for our crews.

PAYMENT

All payments are due upon completion.
At this time, Atlanta's Best Roofers expects to receive payment in full from you unless other arrangements are made in writing, which is directed to the administrative office of Atlanta's Best Roofers. Please make arrangements for funds to be available at this time. For your protection, make checks payable to Atlanta's Best Roofers. Atlanta's Best Roofers will not honor any payments and issue any warranties, if the payment is made to anyone other than Atlanta's Best Roofers.