Frequently Asked Questions
Filing a property claim with your insurance carrier can be stressful. Face it, it’s not something you do everyday and they don’t exactly make it easy. At Graco Roofing & Construction, we do deal with property claims everyday and we are happy to help facilitate your claim to make sure you understand your policy limits and the scope of your claim.
- What do I do if I think my property has sustained hail or wind damage?
As soon as you feel your property has incurred damage, you should contact Graco Roofing & Construction. We provide free damage inspections and will help you determine if you need to file an insurance claim.
- If damage is found, what is the next step?
You will need to contact your claims department to open a claim. They will schedule a date and time for an adjuster to come and inspect your property. You then need to call your Graco representative with your scheduled appointment time so that they can meet with the adjuster with you.
- What if I have damage that needs to be addressed immediately?
Should you require any temporary repairs to prevent further damage to your property – your insurance claims department can authorize immediate attention. You can contact Graco Roofing & Construction for Emergency Service or during our assessment we can provide immediate protection to meet your needs. Your insurance company will usually require receipts for any emergency repairs you have done in order to reimburse you correctly.
- How will my insurance adjuster know about damage to the areas I have to have emergency repairs made to?
We suggest that you take pictures of the damage prior to any repairs, or you can count on Graco Roofing & Construction to document any damages in a written report supported by pictures. We will share this information with your insurance adjuster when we meet with them for your claim inspection.
- What happens after the insurance adjuster inspects my property?
Once the inspection is complete, you will receive a claim document outlining the scope of damage and the funds being made available for the repairs, less your deductible. It is very important to evaluate the adjusters report – this determines the amount of money that you will receive to handle the repair of all damages. Graco Roofing & Construction highly suggests having a professional contractor such as us to review this report. Since we use the same estimating software used by most insurance companies – we can make certain that ALL of the material and labor necessary to repair your property has been accounted for. If omissions are found, we will aid you in contacting your insurance company and supplying them with the information necessary to correct your claim.
- What is recoverable depreciation?
Most homeowner policies grant coverage for full replacement cost provided the repairs are actually completed. Recoverable depreciation is the difference in cost between your current aged materials and the cost to replace them with new like type and quality materials. Insurance companies withhold this amount until all of the repairs are made. Once your final invoices are submitted to the insurance company, these funds will be sent to you.
Will I need to be home?
While the re-roofing is taking place, no you do not have to be home. However there are some trades in which you are needed to be on site and if that’s the case we make an appointment with you.
Will there be any issues with
accessibility to my home?
The only problem you will have with accessibility to your home is the day/days that your roof is being installed. We ask that you keep the driveway clear for roofing crews. It would be best to park on the street if you will need to drive during the process or if your car is parked on the driveway to keep it from getting hit with falling debris.
What about roofing materials?
Typically the materials are delivered the day before we start to re-roof your home, or if it is a small enough residence the crews bring materials out the day of.
What will be done with the
The debris will be picked up and put into the crews’ trailer to be disposed of by them.
What do I do with materials
Leave them where they are an employee from Graco will be there within twenty four hours to pick them up and return them to the supplier.
What kind of warranties can I
Warranties requirements differ by every shingle producer. Contact your sales rep to see what warranties you qualify for, or to find out what you need to qualify.
Do I need drip edge or Ice and
As for drip edge you don’t necessarily need it, but it does protect the wood fascia from rotting on the roof overhang. Ice and Snow products are mainly needed in low pitch roof and roof valley to give the roof more protection from the elements.
What is a General Contractor?
A General Contractor is a single person who handles the entirety of the job from beginning to completion. Hiring a general contractor can also help you save money, because a G/C has crews for every trade on the job. Also eliminating the search for the right contractors and most of the job time will be cut out as well.
How long should a roof last?
Like any building component, roofs degrade at different rates depending on a large number of factors: the quality of original construction, the level of abuse, the level of maintenance, appropriateness of design, etc. So how long should a roof last? We have seen poorly designed and installed roofs go as few as six or seven years before they failed, and we have seen old coal tar built up roofs that were over 60 years old. Most building owners, roofing contractors and designers feel 20 years is an acceptable service life
What will a new roof cost?
The price of a new roof varies widely, depending on the material selected, the contractor doing the work, the home itself, area of the country, local labor rates, time of year, and more. Keep in mind that cost is only one factor, and it must be balanced angainst the quality of the materials and workmanship. For each roofing material there are different grades - and corresponding prices. Plus, there are a variety of styles and shapes. You need to look at the full product range and make a choice based on your budget and needs. Within the roofing profession there are different levels of expertise and craftsmanship.
What does hail do to a roof?
Shingles are designed so that the granules block the UV of the sun and protect the asphalt underlayment. As the shingles age the granules fall off over time. As the asphalt is exposed the UV, 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:
1. Accelerates granule loss.
2. Accelerates shingle aging.
3. Voids manufacturer's warrantees.
4. Leads to other associated problems.
What does hail hit look like?
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.
My insurance adjuster said
there was no hail damage on his first inspection, I asked The Roofing Company,
Inc.'s 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?
There are many different reasons that this happens so often. Sometimes adjusters get to a roof too soon after the actual damage and the hits haven't had a chance to weather yet. Sometimes the adjusters are inexperienced. Sometimes they were tired after looking at so many roofs that day. Sometimes they 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 any damage that he sees.