Summer of 2010 brought a lot of interesting weather to Montana, we saw everything from late snow to extreme heat. The one storm that left the biggest impact on everyone was the hail storm that left cars dented, windows shattered and of course a ton of siding and roof damage. I learned quite a bit about roof damage and what the criteria for an insurance claim are this past year.
I will be sharing some of what I came across with you in this article so that you will be able to deal with contractors and insurance companies more effectively. first of all your roof may not appear to be damaged at all at first glance. This needs a trained eye to see and if you are uncomfortable with making the call I recommend asking a roofing contractor or contractor familiar with assessing damage to take a look at your roof. If you do choose to look for the damaged areas look for loose granules an your asphalt roof, they are areas that will start to deteriorate faster from the hail damage. Divots and holes are much easier to see and are of course obviously part of the damage. One other thing to take into consideration is the damage from the wind, not only are roofs filled with divots, holes and other damage they also have damage from wind like nails pulled loose and shingles even blown right off the roof.
After determining the damage which in our case is going to be on the west facing part of the roof for the most part, you will need to have a damage report from two to three licensed contractors with their recommendation. Most roofs will require a full tear off and replacement. Mostly because it is difficult to match older colors and styles of shingles. The insurance companies will come out to asses the damage also and use a bidding calculator that will figure how much money you will be allowed to have your roof replaced or repaired. The whole process takes sixty to ninety days. You will be issued two checks one is without the depreciated amount and the second one is the depreciated value of your roof. the second check does not arrive until after the roofing job is completed.
The cost of a re-roof is quite a bit more than a new construction job so this is also compensated for in your claim. I also highly recommend using a local contractor and not and out of state company. It is important to feed our local economy. It is sometimes difficult to tell if the contractor is local or not because some of them try to partner up with local people to make them appear as a local company. Be sure to do your due diligence and research who you hire. We live in a beautiful area with so much to offer and sometimes disasters like the hail storm of 2010 are actually blessings in disguise. Be sure to take advantage to what you are entitled to and have your roof inspected for damage.