roof repair

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

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.
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.
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!

After you file an insurance claim, the very next step in the process is to have an adjuster meeting. In our opinion, this is the most critical step in the entire process of repairing your home.

What Happens at the Adjuster Meeting?

Your insurance company will send a representative, called an adjuster, to inspect the damage to your home. The adjuster works for the insurance company either internally or as a third party hire. The adjuster’s job is to verify insurance claims and determine a fair amount for settlement. The adjuster will ideally (but not always) thoroughly inspect your home and either approve or deny your claim. If they approve your claim or part of it, they will write an Xactimate estimate for repair which outlines the scope of work and price for repairs.

Why is this Meeting So Important?

Adjusters often try to convince property owners to accept less money than their claim is worth. After all, they work for the insurance company. Insurance wants to pay for as little as possible to protect their bottom line. This leaves homeowners with insufficient funds to properly repair their homes. Some ways adjusters do this is by paying for only part of your roof or siding, not including things like county code upgrades, or flat out rejecting the claim all together. The adjuster meeting is when these decisions are made, which is why it’s so important.

How to Ensure Your Repair Estimate is Fair

Although, you can make adjustments to the estimate your insurance adjuster provides, it’s a long and sometimes contentious process to do so. The most efficient way to ensure your repair estimate is fair is to agree on everything at the adjuster meeting. Modern exclusively specializes in insurance claim work and we attend over 500 adjuster meetings a year. Unlike the adjuster, we work for the homeowner and act in their interest. Our project managers attend training year-round to be better educated in hail and wind damage. We’re able to point out damage the adjuster might’ve missed or remind them of local code enforcement. Call or contact us to learn more about what we do at adjuster meetings or to have us look over your insurance estimate if you’ve already received it.

Should You Repair or Replace Your Roof?

3 Tips for Assessing Your Roof

Why Your Insurance Adjuster Meeting is Critical

What Happens at the Adjuster Meeting?

Why is this Meeting So Important?

How to Ensure Your Repair Estimate is Fair