wind damage – Page 2

Hundreds of homeowners throughout Maryland were left with damaged roofs and siding after the March 2nd storm. If you are like most homeowners, you have never filed an insurance claim for storm damage. Luckily, we specialize exclusively in insurance related claims like fires, floods and storms, so we can help guide you through the process.

Wind Damage FAQs

How do I know I have wind damage?

The most obvious signs of wind damage are missing shingles and pieces of siding. However, wind damage isn’t always noticeable from the ground. Shingles can curl or become loose, which you may only see from atop the roof. We also take into consideration the wind rating of your shingle. A lifetime architectural shingle has a much higher wind rating than a 3-tab shingle. If you have a 3-tab shingle, the wind rating is only around 60 mph, well below the wind gusts we experienced on march 2nd. It’s very probable you have wind damage.

Who do I call first?

In a situation with a severe storm, insurance companies will become backlogged quickly. We recommend calling your agent or insurance company and placing a claim immediately after a storm to avoid long wait times. Your second step is to call a qualified insurance contractor to evaluate your damage. You may find that your roof only warrants a small repair or it may warrant an entire replacement. This professional can help you decide if you should continue pursuing your claim or not.

How do you pick a contractor?

Not all contractors are created equally. First, ensure this contractors specializes in insurance related claims and isn’t just taking them on because of the recent opportunity for business. Secondly, do your research on their company. Do they have online reviews? A formal website? What certifications do they carry? How long have they been in business? What does their warranty look like? The last piece of advice we give all of our customers is how do you feel about them? Ultimately, you will be working with this company to restore your home and you want to feel comfortable. Go with the company that you felt the most comfortable talking with and who was most helpful, not the one who pressured you most to sign with them or made you elaborate promises.

How long will repairs take from start to finish?

This is a tough question to answer because it is very case-by-case dependent. Some insurance companies are easier than others to work with. Some roofs have more obvious damage. Weather can certainly be a factor, such as rain or colder temperatures. The typical timeline is once you file a claim, within 2 weeks an adjuster should come out to asses damage. Within 1 week of that (hopefully), your insurance adjuster will generate an estimate for repair. Your contractor should carefully review this estimate to ensure everything is properly covered like ice and water shield, code upgrades, all slopes of the roof, etc. Once the estimate is agreed upon by all parties, you pick selections for your new roof if applicable. We tell homeowners about two weeks after their estimate is approved, they can expect to be scheduled for repairs.

If you have more specific questions or want to learn more, feel free to contact us or give us a call! We are always happy to help.

When we tell people they can get a brand new roof for free, we get a lot of eye rolls. We don’t take it personally. If someone told me they could get my insurance company to pay for a new roof, I would have the same reaction. The whole hail damage pitch seems like just that, a pitch and a scam.

However, it this was a scam, we could not have survived being in business for over 26-years with an A+ Better Business Bureau rating and a GAF Master Elite status. We absolutely would not be a preferred contractor with Allstate, USAA and Liberty Mutual and other major insurance companies.

We would have been turned us in to the MHIC or Maryland Insurance Administration if this was not legitimate. Which all leads to the conclusion that hail damage to your roof and siding is definitely real and your insurance company is obligated to replace all that is damaged.

Here are the quick and dirty facts about hail damage insurance claims:

Hail must be at least quarter-sized to create damage, like the February 25th storm that hit Bowie.
Hail cracks your shingles and siding, allowing for leaks overtime. The damage is even more apparent and severe if you have an older roof.
Your insurance premiums will not rise if you file a claim because hail damage is considered an Act of God. However, rates my rise regardless of if you file due to the amount of claims in your zipcode in which case, you may as well file.
Modern will do a thorough inspection at no charge to ensure you roof has credible damage. We will give you an honest assessment and if you have no damage, we wouldn’t encourage you to file a claim.
Your insurance will send an adjuster out to inspect for damage. We recommend having a Haag certified contractor be there for your adjuster meeting to ensure your insurance is paying for everything damaged and not cutting corners like paying for half of a roof or not following county code.
After your roof is approved by your insurance company, you can expect us to replace it within 2 weeks. We offer a 10-year labor warranty and several manufacturer warranties as well, all at no extra charge.
It is simple. Your area was hit with significant hail and your home most likely has damage. We work with your insurance company to get your roof approved and in 2 weeks, you will have a brand new one. This is the first time it sounds too good to be true but it isn’t. Give us a call today at 410-569-1732 or contact us for more information. It is definitely worth at least a phone call to learn more!

What to Know About Wind Damage

Wind Damage FAQs

How do I know I have wind damage?

Who do I call first?

How do you pick a contractor?

How long will repairs take from start to finish?

The First Time Too Good To Be True Doesn’t Apply