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Should You File an Insurance Claim?

filing a roof insurance claim

What To Do When You Don’t Know What To Do

As you were walking around your house making sure everything is okay, you noticed a couple of loose shingles on the roof. Do you file a roof insurance claim for this small of an issue? You pay homeowner’s insurance premiums for a reason, but is it a good idea to file a roof insurance claim for that small of an issue? 

There isn’t any signs of leaking in the attic or house, you can get up on the roof yourself and nail those back in place, adding some silicone over the nails. Is there anything special to knowing how to file a roof insurance claim for this small of a job? Read on as we discuss roof insurance claim filing and more. 

Does homeowners insurance go up if you file a claim?

It can be hard to decide when filing roof insurance claim on your homeowner’s insurance is the right thing to do. Maybe it would bel better to simply pay for that small repair out of pocket, or do it yourself? 

It can depend on the claim amount and type that could determine this. First, review the deductible on your policy. This is the amount that will come out of your pocket regardless the amount the insurance company is going to reimburse. 

Insurance companies view certain homeowner claim less favorably because they see them as a possible risk of happening again. Claims for property theft, roof damage, and water damage for example could happen again, causing the need to file another theft, water damage, or roof insurance claim. A tree falling your roof after a windstorm is less likely to happen again. 

 So, while your insurance company may pay for the theft, water damage, or roof insurance claim this time, and they may not raise your rates this time. Subsequent claims for the same thing, could have a different ending. This could make you wonder  why file a roof insurance claim at all, but if the damage is bad enough, more than the deductible, like your roof has been ripped off your house in a windstorm, it is worth filing the claim. Replacing a shingle or two, maybe 3, probably isn’t worthwhile.

someone needing help with a roof insurance claim

How does an insurance claim on roof work?

When you’ve experienced roof damage, you’ll want to have a roofing contractor inspect and evaluate the  roof, most provide a free inspection. Then report the incident and file  roof insurance claim with your insurance provider. 

The insurance company will have a claims adjuster come inspect and evaluate the damage. They will input the data they have determined. They may give you an estimate of what your insurance policy will cover then, or they may tell you’ll be advised by electronic mail with a hardcopy to follow.

It’s is helpful for your benefit to have the roofing contractor present when the insurance claims adjuster is there so they can assess the damage together. A professional roofer can sometimes point out things the adjuster may not see. While insurance adjusters are trained in their field, roofing contractors are sometimes more up-to-date with building codes that your roof insurance claim should cover. 

How do I get my insurance to pay for a new roof?

The purpose of homeowner’s insurance is to avoid paying out-of-pocket for repairs and replacement of things the insurance cover. Like roof damage and  filing a roof insurance claim, but if you’ve never done this, you may not know how to get started. We can tell you that if you don’t do it right, following the required steps, your claim could be denied. So, here are some recommended steps to filing a damaged roof insurance claim:

1. Know Your Insurance Coverage

Whether it is theft, water damage, or roof damage, before you ever need to file a roof insurance claim, or any claim, know what your homeowner’s insurance covers. Yes, it will take some time to do some reading, but it is important information that you need to understand. If reading the ‘hereto and therefore’ is confusing, ask your agent to sit down and go over it line by line. 

2. Document the Damage 

Now that you know what your homeowner’s insurance will cover for your roof insurance claim, and you know you have roof damage, you need to document the damage. Take pictures, take a video if you can, and write down the date you found the damage or if you know when it happened, the date and approximate time. Pictures. Pictures. Pictures. If this is roof damage and you can’t get up on the roof, call a professional roofing contractor. Most will offer a free inspection and ask them to take and provide you pictures of what they see. 

Next, most insurance companies today have claim process on their website where you can do it online and others have a 24/7 phone line with a claims representative. Most insurance policies advise to file any roof insurance claim or other claims within a certain time frame after the incident, so do it the fastest way possible so they don’t have a reason to deny your roof insurance claim for waiting too long. 

3. Search and Interview Roofing Contractors

After you have submitted your roof insurance claim, call several contractors to get bids. Choose one that has insurance claims experience, they can help you through the process, including providing you the level of a roofing inspection report to submit. If you can’t find a roofing contractor, your insurance company will send one, but keep in mind, they will be working for them, not you. 

4. The Next Steps 

Now that you have filed your roof insurance claim and found a roofing contractor to support your claim, you wait for the insurance company’s decision. This can take up to ten to fourteen days. If after day 15 you haven’t heard from them, call the appropriate claims line, and follow the protocol.  If you don’t get an answer, call your agent directly. 

What do insurance adjusters look for on roofs?

In a general, the insurance adjuster will look at the following: 

  • Roof age
  • Previous installation 
  • Broke or missing shingles
  • Sun damage
  • Normal wear &  tear
  • Tree damage from limbs and sap
  • Nails popped out
example of when a roof insurance claim is needed

A Big Question Finale’

Should I show roofer my insurance estimate? Wow – you hear both sides. A roofing contractor that you hire wants your business and should have your best interest. Seeing what the insurance company offers, they may review the offer and find discrepancies that could help you. If the roofing contractor is one the insurance company sent they have that information already. 

The final decision is yours to make. If you feel comfortable and have a trusting relationship with your contractor, by all means share that information. If you don’t have one you trust, you need to shop around for several estimates until you find one that you are comfortable with. 

Can I Put a Metal Roof Over Shingles?

Metal Roofing on a Home

Can I put a metal roof over shingles?

As more homeowners choose metal roofing over shingles or tile, questions often arise about metal roof installation. Metal roofs generally cost more to install than asphalt shingle roofs, and some wonder if metal can be installed over shingles. This can be a cost-effective installation option because you don’t have the added cost of the original roof’s tear off. While installing a metal roof over shingles might save you money, it does pose problems. For one, not all municipalities allow this type of roof installation. Another serious problem arises from the potential of vapor getting trapped in between the layers. If moisture gets trapped between the layers, mold or rot can develop. The problem can be prevented with vents between the layers. Another reason this type of installation isn’t recommended is that the shingles can damage the underside of the metal as the shingles expand and contract. If you are interested in metal roof installation in San Antonio, TX, Rocket Contracting LLC provides a full range of options. Find out more by calling (888) 514-3222.

Is installing a metal roof difficult?

While metal roofing can prove an upgrade to asphalt shingles, it can be difficult to install. When you have a metal roof installed, you want to make sure your roofing contractor is experienced with metal. You’ll find such experience with Rocket Contracting LLC.

Is a metal roof worth it?

While metal roofing generally costs more to install than other types of roofing, you’ll find these roofs have plenty of advantages that make it worth installing. Durability is a major appeal of metal roofs. They can last anywhere between 40 to 70 years and can withstand harsh weather like high winds or hail better than most standard asphalt shingle roofs. These roofs require less maintenance as well and are highly fire-resistant. Because they are also highly reflective, they’re much more energy-efficient than standard roofs, reducing cooling costs by 10% to 25%. 

What are the problems with metal roofs?

While metal roofing has many advantages over other types of roofs, there are a few problems you might encounter with one.

  • Cost: Installation costs can be as much as two to three times higher than other types of roofing materials. Check with your insurer, however, because some companies offer discounts for metal roofs that can offset some of the installation costs. 
  • Noise: Metal roofs can be loud if not properly insulated. 
  • Expansion and contraction: As temperatures fluctuate, metal roof panels expand and contract. Over time this can cause the fasteners that hold the panels together to loosen.

Is underlayment necessary for metal roof?

For the most part, any roof including metal roofing requires underlayment. The underlayment is the waterproofing barrier that goes between the roofing material and the sheathing. Some metal roof manufacturers require underlayment to uphold warranties. Unfortunately, some roofers don’t install underlayment on metal roofs, and this can cause problems later on, especially if any leaks develop, a possibility on any roof, even something as durable as metal. Few exceptions exist. Covered patios in which the metal panels are attached directly to beams, for instance, might not need underlayment, and if you are placing a metal roof over existing shingles, underlayment is already present. 

Metal roof installation with insulation

When you install metal roofing, you want to install it with insulation. Insulation helps in multiple ways. It will help stabilize interior temperatures, keeping your home cooler in the summer and warmer in the winter. It also will help stop debris from getting under the roof. Moreover, insulation will reduce the noise that is common with metal roofs. 

Metal roof installation on mobile home

Roofs on mobile homes can be particularly vulnerable to damage. If you are looking to replace your current roof, you might want to consider metal roofing for your mobile home. A metal roof will afford a mobile home the same sort of protection it would any other home, and with today’s lightweight metal roofs, you don’t have to worry about needing additional support for your roof. If your mobile home can hold up a standard asphalt shingle roof, it will be able to support a metal roof.

Metal roof installation on new construction

If you are having a new home built, metal roofing is a beneficial option to standard shingle or tile roofing. In fact, some builders are beginning to prefer installing metal roofs on new construction, knowing these roofs are so durable and long-lasting. With metal roofs, you also have plenty of options, ranging in choices of metal like aluminum or galvanized steel, to styles like standing-seam or even metal tiles and shingles. Metal roofs also come in various colors to fit any home design.

A Home With Metal Roofing

Who does metal roof installation

If you are looking to install metal roofing in San Antonio, TX, you’ll want skilled, experienced professionals for the job. Rocket Contracting LLC’s talented professionals are the right team for the job. Find out how we can help you by calling (888) 514-3222.

How to tell if roof has storm damage

storm damage to a roof

How do you know if your roof is damaged?

There were heavy rains and high winds last night, and as a homeowner, you realize you should walk around the exterior and make sure everything okay, but do you know what the signs of storm damage to roof or the rest of your house would look like if there is storm damage? How can you tell if your home needs roof storm damage repairs? 

If you’re a new homeowner, you may not realize if there is roof damage by storm or not. Even a seasoned homeowner doesn’t always realize roof storm damage repairs that are needed until an experienced roofing contractor does an inspection and points it out to them. Connect with us today at (888) 514-3222 about roof storm damage repair in San Antonio, TX.

What do I do if my roof is blown off?

Okay, the roof being blown off your house is a visible sign that you have a roof storm damage. Repair isn’t going to be enough, though. Most likely, you’ll need a completely new roof, however, in the meantime, you’ll need a temporary repair until you can get professional storm damage repair services.

Winds with high velocities, like what comes with a hurricane, tornado, or thunderstorm. The type of winds that creates a shift in the air pressure, creating a suction that can tear a roof of the house off. Almost as if a pair of hands came down from the clouds and picked it off your home. Even if the winds lifted and set it back down, chances are it didn’t set down exactly back where it is a solid, sound fit. So, yes, with that type of roof storm damage, repairs are needed. 

What is wind damage to a roof?

Windstorm damage doesn’t happen as the wind blows across the roof. It picks up a corner or a loose edge. These are the areas that are the most susceptible to high wind damage.  A curled shingle can be ripped off by a gust of wind and take one or more shingles with it, exposing a part of your roof. 

Not only can strong winds lift your entire roof, but it can also lift shingles and leave them where they were. The nails will loosen and compromise the sealant. Once the seal has broken and the nails have loosened, one more strong will take those shingles off. Fortunately, if you call a contractor right away, loose shingles are nothing more than roof storm damage. Repairs are possible. 

adjuster assessing storm damaged roof

What are the effects of storms?

Various types of high wind damage can happen from just a few missing shingles and knocked off gutters, to leaks. Even though shingles have a warranty for winds up to ninety-miles-per-hour, damage can occur at fifty-miles-per-hour, and that is when you need to do a visual inspection from the ground for roof storm damage, repairs needed. 

If just a few shingles have come off, you’re lucky, but it isn’t something to be ignored. The smallest hole can cause a lot of damage. The sooner you address the storm damage and repair it, the better. If the roof is entirely or partially gone, the first thing to do is make sure your family and contents are okay. Then secure a place to stay until repairs or replacement are finished. 

When the roof has been entirely or partially destroyed, it isn’t just about being safe for your family and belongings. It is a matter of safety too. The structure stability has compromised, and the only person that needs to be there now is the insurance adjuster and roofing contractor. 

Last But Not Least, The Big Question

Will homeowners insurance pay for a new roof?

If your roof isn’t damaged because of neglect or isn’t too old, your homeowner’s insurance should provide coverage. Take a few minutes to review your policy, and if you aren’t sure what the coverage is, give your agent a call and ask for clarification.  So, what are the signs of roof storm damage, repairs needed that your insurance company will approve? 

  • Missing shingles from an asphalt shingled roof are what comes to mind for most people when they are thinking about roof storm damage. Repairs of this type are necessary as long as the structure of the roof isn’t damaged too. 
  • Hail damage on an asphalt roof will look like a bruised dark spot or granules are missing from the shingles. 
  • Cracks and dents in the asphalt shingle are considered roof storm damage repair needed. 
  • Missing or torn shingles are common roof storm damage repairs will be needed. 
  • Split seams after a tornado is proof of roof storm damage, repairs your homeowner’s insurance will pay for repair or replacement.

This applies to other roofing materials, too, like ceramic tile, metal, slate, or wood shingles. Other things to look for that indicate roof storm damage repairs needed would be: 

  • A tree limb on your roof
  • Broken, cracked concrete, slate, or tile shingles
  • Gutters filled with granules
  • Water stains on the ceiling or walls
  • Dented gutters or vents
  • Loose or missing flashing

If upon a visual inspection of your home, if you notice any of these things, your insurance company should pay for repairs or replacement.  If, for any reason they decline your claim, repairs or replacement should still be made promptly.

Why Do My Gutters Drip?

installed gutters on a house with quality drainage

Reasons Why Your Gutters Are Dripping

Owning a house or a commercial property takes a lot of work. We’re all constantly doing maintenance or hiring someone to perform some necessary task to keep our property in good shape. Keeping a home or office looking great and doing what it’s supposed can be hard. It can also be frustrating when things go wrong. Dealing with water is a constant issue for many property owners. We do what we can to make sure our building or house is prepared for rain and other harsh weather conditions. Effective water management requires a good roofing system with quality gutter installation. The right gutter system for house owners needs the right installation and good gutter system components to function. If everything’s not in sync, your gutter system will drip, and water can threaten your walls and your foundation. Let’s take a look at some of the causes of dripping gutters and what can be done about it.

There are several reasons why your gutters may be dripping. Here are some of the most common reasons:

  • Clogs – Clogs are probably the leading cause of dripping gutters. When you first get gutter installation, your gutters are clean and beautiful. Over time, though, debris like leaves, bird nests, dirt, and other material builds up in your gutters and can eventually cause a clog. When your gutter is clogged, water can’t flow through to a downspout. As a result, the water begins spilling over the edges where clogs are located.
  • Holes or Cracks – If your gutters are particularly old, or if they’ve been damaged by a storm, an animal, or some other object, then it can cause cracks or holes that water can leak through and cause dripping.
  • Bad Sealings – Most gutter systems are put together with various sizes and shapes of gutters to fit around edges and corners. Those pieces need to be joined together and sealed properly to keep water inside. If you have a faulty seal or bad joint placement, then your gutters will drip.
  • Poor Slope Angles – For water to get to your downspouts, they need to slope downward! If your slope is not steep enough, then water can pool inside your gutters and overflow.

Is Gutter Flashing Necessary?

Gutter installation with drip edge is a great way to get good performance out of your system. Gutter flashing is usually installed along the roof’s bottom edge to stop water from getting underneath shingles or the fascia. With gutter flashing, you have better chances of all of the rainwater coming off a roof feeding directly into your gutter system. That means more water will efficiently come off of your roof and less of it will pool or drip down your walls.

Where Should Gutter Downspouts Be Placed?

This is an important question because the placement of downspouts will have a big impact on gutter performance. The right gutter installation service can help you locate the ideal spots for downspouts. Generally, though, there are some guidelines to help with placement.

Most roofers recommend placing your downspouts along every 40 feet of the gutter line. That is the best way to prevent overflowing and manage high levels of rainwater. Additionally, you need to pay attention to where the water from downspouts is being discharged. Avoid any ground areas where water can pool and damage your foundation or landscaping. For example, if your downspout ends on a sloped area, there’s a chance the water will recede towards your house. If this is a concern, then there are downspout extensions you can use to move the water further away from your building. If neither of those options is possible, consider connecting your downspout directly to a pipe that delivers the water away from your property.

How Do You Secure Gutter Downspouts?

During gutter installation and maintenance, you need to make sure your downspouts are secure in place. If they’re loose, they won’t be able to manage the water flow. Instead, water will pour out of the downspouts directly onto your exterior wall and into your foundation. That’s no big deal initially, but if it’s left alone too long it can cause significant damage.

To secure your downspout to the gutter, most experts use pop rivets or screws. This firmly attaches the downspout to the gutter line. They also need to be firmly attached to the exterior wall. This can be down by using U-shaped brackets that go over the downspout and fasten to the wall on either side. Responsible homeowners and commercial property owners need to conduct regular checks on their downspouts to make sure the brackets are still tight, and the gutters are still firmly in place. Too many property owners end up having to pay for serious water damage because their gutters were leaking for far too long in an unseen part of their property. Thankfully, gutter maintenance isn’t too complex. All it takes is attention to detail and the right gutter installation design to get the job done. Rocket Contracting LLC provides the quality service and installation techniques to give you a quality gutter system. Dial (888) 514-3222 today!

Is TPO Roofing Good?

An aging TPO roof.

Is TPO Roofing Good?

When it comes to commercial roofing systems, you have a lot of options. And as a busy business owner, you probably don’t have a lot of time to do the research yourself and weigh all your options. But when you need a new roof installed on your commercial building, it really helps to do your homework. So we have compiled this blog post to help answer some of the questions you may have about TPO roofing for your San Antonio, TX property.

Commercial Roofing You Can Depend On

First and foremost, what is a TPO roofing membrane? TPO stands for thermoplastic polyolefin but this is a bit of a misnomer since the material itself is closer to rubber than it is to plastic. But in any case, this material is used to coat an entire commercial flat roof. It is a single-ply roofing membrane which means it has a few unique benefits which we will get into a bit later. If you want to learn more about TPO roofing directly from the pros here at Rocket Contracting LLC, we encourage you to give us a call at (888) 514-3222.

But since TPO roof details are varied and nuanced, we figured we’d tackle a few of the most common questions business owners have about them here and now starting with…

How is TPO Roofing Installed?

First, the insulation board is lain down on top of the existing roofing substrate and secured with fasteners. Then the actual TPO material is placed on top of the insulation board. Then the TPO sheets are fastened as well followed by seam welding.

How do you Clean a TPO Roof?

The maintenance of a TPO roof is actually one of its benefits because cleaning is pretty easy. There are a few ways you could go about cleaning your TPO roofing membrane. One of the most effective ways is to use a low-pressure washer applying no more than 2,000psi to the membrane. You can also take a soft-bristled push broom and gently scrub the membrane in addition to using a mild detergent. Then simply rinse the surface off with a hose and your TPO roof should be back to its original color.

Can you Coat a TPO Roof?

So what if you already have a TPO roof membrane installed but it is old and cracked? Can you coat it? Yes, you can. In fact, many people opt to coat their TPO roofing before it has a chance to wear away to protect their investment. There are many kinds of coatings available to help extend the life of your TPO roofing membrane with acrylic coatings being among the most popular and effective.

A TPO roof with vents.

TPO Roof Benefits

There are a handful of key benefits that TPO roofing brings to the table starting with TPO roof colors. You get a few options with TPO roof colors which include shades of gray, black and white just to name a few of the most popular ones. But to maximize TPO roof energy savings, white is the way to go.

Having a white TPO roofing membrane atop your commercial business can help keep the whole building cooler in the summer. The white colors reflect the suns UV rays that would otherwise be absorbed by your roof and transferred to the interior of the building. While light gray colors can also help reflect some of the suns rays off your building, there is no TPO roofing color more effective for solar reflectivity than white. Having a white TPO roof on your building will help you save a lot of money in utility costs which is always good for your bottom line.

The options you have for TPO roof insulation present another benefit to this type of roofing system. Insulating your TPO roof is a smart move in the first place because it will compound your energy savings and make your entire building more efficient. And there are a few methods for insulation. You can have it mechanically attached, adhered or a hybrid of both. In our experience though, in order to eliminate thermal bridging and maximize insulation, adhesive is the way to go.

Last but not least, TPO roofing is flexible which means it will not crack or raise with the shifting of your building. It stands up very well in both cold and hot weather so it is especially useful to have here in San Antonio where the weather can be extreme in either direction.

Schedule With Us Now!

Whether you are looking for a commercial roofing system that is easy to maintain, one that is durable or one that will help you save as much money as possible, TPO roofing represents a versatile solution. And here at Rocket Contracting LLC, we are TPO roofing experts. We would love to consult with you about TPO roofing options in San Antonio, TX and give you a quick, obligation-free estimate for installation. Call us at (888) 514-3222 to set it up!