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5020 Campbell Blvd STE B, Nottingham, MD 21236
Tel. 410-569-1732 · 24/7 Emergency Services

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Archives for March 2018

Should You Repair or Replace Your Roof?

March 23, 2018 By Modern Remodeling

Modern Remodeling Wind Damage Baltimore

When your roof sustains damage, one of the first questions you may have is if you should repair it or replace your roof entirely. Most insurance companies will ask you to gather a few estimates to see if the scope of repairs exceeds your deductible. This is where things can get tricky…how do you know the scope of repairs if you aren’t sure if you should repair or replace your roof?

A company that specializes in storm damage or a contractor that is Haag certified will be able to help you assess whether or not your roof should be replaced or simply repaired. Here are 3 things they take into consideration when making that call….

3 Tips for Assessing Your Roof

  1. Age and type of shingle… in 2010, most shingle manufacturers switched the design of their shingles. This means that any roof installed after 2010 is highly unlikely to not only match an existing roof  aesthetically speaking but also technically. In this case, the roof would be better suited for replacement rather than repair.
  2. Surrounding damage… often times, a few missing shingles can be a sign of greater damage. Shingles can be cracked or loose all over the roof, which means damage far exceeds replacing just the one or two shingles that are gone. Repairing the most obvious damage would only be a temporary fix and the roof would continue to sustain damage over time. You would find yourself continuously repairing your roof.
  3. The area underneath the missing shingles has been damaged… shingles are designed to protect your roof’s decking from moisture and wind. Even a small exposed area can allow water to seep into the underlayment and into the deck, where it can cause rot and eventually leakage. In order to replace the decking or underlayment, you would have to remove more shingles in which case, a full replacement would be justified.

If you are unsure if you should repair or replace your roof, give us a call or contact us directly. We would be happy to inspect free of charge!

Filed Under: Gutters, Hail Damage, Restoration, Roofing, Storm Damage, Uncategorized, Wind Damage Tagged With: baltimore county roofer, harford county roofer, roof repair, wind damage roof

Roofer vs. Insurance Restoration Specialist

March 15, 2018 By Modern Remodeling

harford county roofer

When your roof suffers damage from a severe storm, whether it be wind, hail or debris, the logical step is to call a roofer for repairs. That’s because most people have never heard of an insurance restoration specialist, like Modern. Unlike most roofers, Modern exclusively handles insurance claims (over 500 a year). We don’t go out and give estimates for retail roofs, just like most roofers never work directly with the insurance company like we do.

To put it simply, all insurance restoration specialist are roofers but not all roofers are insurance restoration specialist.

Why Does it Matter?

You wouldn’t want a general surgeon performing your open heart surgery, right? It’s kind of like that. Specialties exist for a reason. A local roofer might do fantastic job installing your new roof but they’ll fall flat negotiating with your insurance adjuster to get code items properly paid for or even all your slopes. The final approved estimate for repairs will be short because of this… Ultimately, you’ll have to come out-of-pocket more to make up the difference.

How Can You Tell the Difference?

This is where a little bit of research will go a long way. In situations where there has been a significant weather event (March 2nd wind storm), all roofers will claim to be insurance experts. Follow these steps to spot the difference between a regular local roofer and an insurance specialist.

  1. Check out their website…. is it mostly focused on remodeling and retail work? That’s a red flag.
  2. Ask them if they prefer to attend the adjuster meeting. What software do they write their estimates in? An insurance specialist uses the same software as your insurance company and always work with the adjuster.
  3. Can they explain your RCV, ACV and recoverable depreciation? These are crucial to the process and if they don’t know what they mean or can’t fully explain how it works to you….You are working with the wrong professional.

If you are repairing your roof or siding through insurance, be sure to use an insurance expert like Modern Remodeling. You can call us at 410-569-1732 or contact us directly with any questions or concerns.

Filed Under: Hail Damage, Restoration, Roofing, Storm Damage, Uncategorized, Wind Damage Tagged With: baltimore county roofer, baltimore county roofing, harford county roofer, harford county roofing, local roofer, roofing company

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5020 Campbell Blvd STE B, Nottingham, MD 21236  ·  Tel. 410-569-1732  ·  Fax 410-497-9327
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