Storm Damage FAQ

Storm Damage FAQ

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 25-year shingle is warrantee by the manufacturer to have a useful life, under optimal ventilation conditions, of 25 years. Hail does several things: 1. Accelerates granule loss. 2. Accelerates shingle aging. 3. Voids manufacturer's warrantees. 4. Leads to other associated problems.

How do I know if I have storm damage?

To be certain you do have storm damage on your roof you need to have a contractor do an inspection. That will provide you with photo evidence & a damage report. My-Pros offers a free inspection contact us today.

If I think I have hail damage what should I do?

You need to contact My-Pros immediately to document the damage to verify the damage. Next you will need to file a claim with your property owners insurance company.

Do I have enough storm damage to be approved?

Every insurance provider has a different criteria of what qualifies as storm damage. The insurance adjuster will do a test square (10' x 10') area and will have to find a certain number of hail bruises inside the test square. The amount of hail bruises can vary from 5- 15 hail bruises in a test square depending on your insurance company.

How can I file a property owners insurance claim?

My-Pros has made it very easy for you to file a claim online. Besides filing on line you can call your insurance company directly or you could call your agents office to file the claim.

Why should My-Pros meet my adjuster?

When an insurance adjuster comes to a property for a storm damage claim you want My-Pros to represent you on behalf of you, as a contractor. Your representative from My-Pros will come prepared with measurements photos & estimate to be sumbitted to the claims department. During the meeting My-Pros will give a helping hand with ladder assist, running a tape measure and more importantly showing evidence of the storm damage while explanning to the insurance adjuster from a contractors point of view of how the repairs need to be made. Also most insurance adjuster are unaware of the local building codes, which My-Pros will be able to address.

Do I have to be at my property when the adjuster comes?

If you have any interior damage that needs to be reported to your insurance provider you will want to be home to let the insurance adjuster document the damaged areas. With no interior damage the adjuster will inspect the exterior walls & your roof. While taking notes, pictures & measurements of the damaged areas.

Will my premuim go up with my insurance provider?

Most insurance companies will raise there rates based off a zip code. Meaning if there has been a recent storm that caused thousands of homes to be repaired per insurance proceeds than yes you will see an increase on your rates the following year.

Will my policy cover building code upgrades?

Most homeowners policy's will cover building code upgrades. It is an important question you need to ask your insurance provider before signing a contract with a contractor.

Will my insurance company pay My-Pros directly?

All payments made by your insurance provider, will be issued to the policy holder. Most likely your mortgage company will also be listed on the check.

How long does the adjusters paperwork take to receive?

In some cases the adjuster will have their report completed the same day. In other cases you should recieve the adjusters report within 20 days.

My insurance company said to get three estimates! Why do I need to do this? Is there something we need to know before doing so?

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 My-Pros 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.

The insurance adjuster has denied my claim, is there anything I can do?

An insurance adjuster does have the right to approve or deny any claim. In the event your claim has been denied you as the property owner does have the right to ask for a re-inspection by your insurance provider. You need to ask your contractor if he or she does feel that a re-inspection needs to be called for.

What does RCV Policy mean?

Replacement cost is the cost to repair or replace the damaged item with an item of like, kind, and quality, without deduction for age, use, or obsolescence.

What does ACV Policy mean?

Actual cash value is based on the cost to repair or replace the damaged item with an item of like, kind, and quality, less an adjustment for factors such as age, use, deterioration and/or obsolescence.

How is depreciation calculated?

Majority of all Insurance Companies will withhold some of the money out of the claim just to insure that all of the repairs are completed. The Recoverable Depreciation value can be up to 60% of the value of the claim. The insurance adjuster will determine the life span remaining of the building material needed to complete the repairs that were caused from the storm. Once the adjuster decides how much life your property did get out of the building material than he/she will deciede what percentage to apply the recoverable depreciation. Example: If your old roof has 90% life left than the adjuster will withhold 10% of the value of the claim.

How do I apply for recoverable depreciation?

As a customer of My-Pros we will handle all of the invoicing needed to have the recoverable depreciation value released. As the policy holder with your insurance provider all checks will be made to your property.

Why does the estimate read that there are more shingles to replace then there are to remove?

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 a gable styled roof and 15% to a hip style roof.

What happens if I keep the money sent by the insurance company sends for repairs to my roof?

The money paid to you is based on estimates of repairs. Keeping the money and failing to make repairs is insurance fraud, since it would be considered filing a false claim. In some cases, insurance companies allow homeowners to keep the actual cash value, but the mortgage company may not allow this, if the company is listed on the check. They will require that repairs are completed to protect their interests.

Why is my mortgage companies name listed on the checks from my insurance company?

Each Mortgage Company has its own unique policy regarding insurance payments. Your mortgage company has an interest value in your property and if your home has storm damage your mortgage company wants to be certain that the repairs subscribed by your insurance company have been made. Depending on your mortgage companys' policy will determine what paperwork and possibly forms that will need to be filled out. Your mortgage company might ask for some or all of this paperwork. 1. Adjuster Report. 2. My-Pros Contract. 3. My-Pros License Number. 4. Lien Waiver from My-Pros. Before any checks will be signed off on, by your mortgage company paperwork will be needed.

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