No! The practice of waiving deductibles is widely viewed as a gray area in the roofing industry. Homeowners insurance policies do not allow for a roofing company to waive your deductible. When a job is completed, the insurance carrier pays with the understanding that you are paying your deductible. Some carriers won’t pay their claim unless a contractor can prove that the homeowner has paid their deductible. I suspect this will spread to other carriers with time. If you go with a roofing company that will waive your deductible, you are placing yourself in a situation that could come back to haunt you. It is fraudulent to waive a deductible, and we will not compromise our integrity and character to gain a job.
Anderson Industrial Roofing also has a construction department that handles everything unrelated to roofing. We can help if you have sheetrock damage, damaged fencing, fascia board needing new painting or replacement, siding needing painting, or windows needing replacement. Just call us!
There are a couple of ways your roof can save you money. Installing a Class Four impact-resistant roof will qualify you for discounts on your homeowners insurance with many insurance carriers. The other way is by installing energy-efficient materials onto your roof. Items like IR reflective shingles, which are coated with a more reflective granular surface, allow for less heat radiation into the home’s attic. There is also a radiant barrier decking product, or a radiant barrier underlayment to help reflect the heat away from your home. It results in a cooler attic, usually materializing in lower energy consumption. Finally, there are roof ventilation products which enable greater air flow in the attic. There is even a solar panel option for attic ventilation. If you are interested in any of these options, Anderson Industrial Roofing can help. Give us a call for more information!
The answer to this question depends on many factors. For a hassle-free, commitment-free quote, please contact our office.
Yes. You should always have your roofer assist you with the claim. It starts with meeting the adjuster on site and going over your loss sheet paperwork with you. In most cases the roofer can help you benefit more by seeing the insurance paperwork. It will not affect the price you pay or the agreement you make. There may be many other items your insurance company owes you for besides the roof. It includes gutters, windows, screens, AC units, garage doors, fencing, siding, and more. Our company always makes our agreement or discounts prior to seeing the paperwork anyway.
Insurance paperwork is not standardized. Accordingly, each company has a different format or way that it conveys the information to its policyholders. There are two different types of homeowner insurance policies.
One is a “Cash Value” policy. The Cash Value policy only pays the actual cash value of your property at the time of the loss. This is calculated by taking the replacement value of the property damaged (roof), determining the age of the roof and subtracting an amount for depreciation (the older the roof, the more this is), and also subtracting your deductible (usually 1% or 2% of the home value). It ends with the cash value of the roof at the time is was damaged. You will only receive this one check with this type of policy.
Again, replacement costs – depreciation – deductible = cash value.
The second, and more common policy is the RCV, or “Replacement Cost Value” policy. The RCV policy allows for a recovery of the depreciation withheld, once the damaged property is restored. This is calculated much in the same way the Cash Value policy is. The replacement costs are taken, and the depreciation and deductible are subtracted, leaving you with your first check from the carrier. This is a cash value check. Once you have the property restored, you (or your contractor) will send an invoice for repair to the carrier. Your carrier will release the depreciation amount or the invoice amount – whichever is less. The remaining amount due is your deductible amount depending on your policy.
Again, Replacement Cost Value is (First check) replacement costs – depreciation – deductible = Cash value. Second check will be the recovery of the withheld depreciation once the property is restored.
If you do not restore the damaged property in whole, it is fraudulent to request and recover withheld depreciation.
If this is still confusing, call us!
No. You should never give money upfront to a roofer, unless you have ordered a special product of some kind. Then your check should be made directly to supplier. A reputable roofing company will not ask for material costs upfront. Most roofers that are getting money upfront will probably not have a working relationship or history with manufacturers. These roofers will likely not be able to get credit with them. Or, sadly, there are some of those aforementioned fly-by-night contractors that take your money and you never see them again. You should avoid all concerns like this – just call us!
Unfortunately our industry attracts many fly-by-night contractors. Do your due diligence. Check how long your roofer’s been in business.
A re-inspection is simply an exercising of your right as the insured to a second opinion from another adjuster. Most insurance companies will gladly send a supervisor to double check your roof in case they might have missed it the first time. * Remember, it is very important to get a different adjuster on your re-inspection. The first adjuster will likely not be happy you are questioning his findings. If the same adjuster comes out on a re-inspection, he will probably not change his opinion from the first visit.
Hail damage can be a dent, bruise, split, or any other result of a hailstone impact depending on the type of surface the hail hits. In most cases hail damage would not be visible from the ground. A homeowner should always get an experienced professional to assist with inspecting his or her home. Anderson Industrial Roofing has many experienced professionals available to help you. Give us a call to arrange a no-cost evaluation!
If you see spots on your ceiling, there is likely a water leak of some kind above the ceiling. This could be a plumbing issue, but it could also be a roof leak. Either way, rest assured we will come out and provide our hassle-free, no-cost inspection to help determine the source. We can also help you fix the stain or damage from the leak. Just call us!
If you know or suspect that you have a roof leak, call Anderson Industrial Roofing for a hassle-free, no-cost inspection. Maybe you ventured into the attic to get the Christmas decorations down and noticed that one of the boxes looked like some water had dripped on it. Call us. If you have some areas on your ceiling that are yellowed or stained, it may be from a water leak above the ceiling line. It may be plumbing, or it may be roof. Call us at 866-949-8016 Today!
First, don’t panic. If it has been a bad storm and your roof has been compromised, contact a roofing company (Anderson Industrial Roofing) quickly for an emergency cover. It will minimize the damage to the inside of your home. The insurance company will pay for this, as it will also reduce the amount of money they may have to pay if there is further damage left uncovered. If the roof is not compromised, then the urgency is not as great. However, there is still a need to have a roofing company (Anderson Industrial Roofing) come out and assess the condition of your property. Just because you can’t see the damage, doesn’t mean it’s not there. I would recommend that you call us first to come and look at the property. We will advise you of the condition, whether or not you have damage, and if you need to involve the insurance company.
Much like the commercial roofing system, the residential roofing system includes several components required in the installation of a residential roof. Again, all manufacturers have four or five items in their system. These include the underlayment, shingle, starter shingle, hip & ridge cap, and valley material which complete the system. They enable the homeowner to receive the full manufacturer’s warranty on their system. Unlike the commercial system, adhesives and fasteners are not necessarily included. However, industry standards dictate what is required in these areas.
A commercial roofing system is a globally used term for all of the required roofing components of a commercial roofing project. Each commercial roofing manufacturer puts together its roofing system with components that work together with other components. In a commercial roofing system, items such as underlayment, roofing material, adhesives, fasteners, and others necessary for installation are all included in the manufacturer’s own system. A manufacturer requires you use only the materials and supplies included in its system in order to obtain a manufacturer’s warranty on the install. All commercial roofing manufacturers also require the installer to be certified in their roofing system and to follow their installation guidelines to be eligible for the manufacturer’s warranty.
If you have any further questions, please submit your question online or contact our office at 866-949-8016 or 972-579-0001. A qualified and knowledgeable representative will assist you.
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