Get Your Roof Claim Approved
Are you looking to file an insurance claim for your roof damage? The good news is that most homeowner’s insurance policies cover damage to roofs caused by storms, wind, and hail. However, filing an insurance claim for roof damage can be a complex and overwhelming process. That's where Simple Solutions Roofing comes in. Our insurance claim specialists can help you get your roof claim approved quickly and efficiently.
Should You File a Storm Damage Insurance Claim?
After a storm, wind, or hail event, it’s important to assess the damage to your roof. If there is structural damage to your roof, it's best to file an insurance claim. Homeowner’s insurance policies typically cover storm damage to roofs. Filing a claim can help you get the necessary repairs to prevent further damage and protect your home.
How Simple Solutions Contracting Can Get Your Claim Approved
Filing an insurance claim for roof damage can be a challenging and stressful process. But with Simple Solutions Contracting, you don't have to go through it alone. We can assist you with filing the claim, communicate with the insurance company on your behalf, and help manage the claims process. We are experts in insurance claims for storm damage, wind damage, hail damage, and other types of roofing damage.
Why Should You Get Help?
Insurance companies are in the business of managing risk and providing financial protection to their customers in the event of unexpected losses. While they are obligated to pay out valid claims that are covered by the policy, they will often look for reasons to avoid paying out claims if they don’t have to.
Insurance companies can deny claims for a variety of reasons, including:
-
The policy does not cover the loss - Insurance policies typically include specific terms and conditions that outline what types of losses are covered. If the loss is not covered by the policy, the insurance company may deny the claim.
-
Late reporting - Insurance policies often have specific deadlines for reporting losses. If the policyholder fails to report the loss within the required timeframe, the insurance company may deny the claim.
-
Lack of documentation - Insurance companies require documentation to support the claim, such as photographs, estimates, and receipts. If the policyholder fails to provide sufficient documentation, the insurance company may deny the claim.
-
Fraud - Insurance companies take fraud very seriously and may deny a claim if they suspect that the policyholder has misrepresented information or engaged in fraudulent activity.
-
Policy exclusions - Insurance policies may have specific exclusions that limit or exclude coverage for certain types of losses. If the loss is excluded under the policy, the insurance company may deny the claim.
Understanding Your Roofing Insurance Coverage
Before filing an insurance claim, it's essential to understand your insurance coverage. Simple Solutions Roofing can help you review your policy, understand what is covered, what is not covered, and what your deductible is. This understanding can help you make informed decisions about roof damage insurance claims.
Homeowners insurance, like other types of insurance, is designed to help you recover from unexpected losses. By paying a monthly or yearly premium, you enter into an agreement with your insurance company to provide financial protection in the event of a covered loss. The goal of homeowners insurance is to restore you to the same financial position you were in before the damage to your house occurred.
How Roof Claims Work For Your Insurance
When you file an insurance claim for roof damage, an adjuster from your insurance company will assess the damage and determine the amount of the claim. It is worth noting that if the assessor determines that the damage is merely cosmetic, rather than structural damage, then the insurance company may deny your claim. Simple Solutions Roofing can work with the adjuster to ensure that all damage is appropriately assessed and included in the claim filing, making it more likely to get approved.
Repairs for Storm, Wind & Hail Damage
Storms, wind, and hail can cause significant damage to your roof, including missing or damaged shingles, leaks, and other types of damage. It's important to have your roof inspected by a professional roofing contractor if you suspect that your roof has been damaged by a storm or other severe weather event. Simple Solutions Roofing offers high-quality repairs, our contractors have experience working with all types of roofing materials and can restore your roof to its pre-damage condition.
Our Claim Specialists Can Manage The Insurance Process
Simple Solutions Roofing has claim specialists who can help you manage the insurance process. They can communicate with your insurance company on your behalf, submit all necessary paperwork, take photos of the damage, walk the roof with the insurance adjuster, point out all roof damage to the insurance adjuster, and present all the evidence to get your claim approved quickly.
-
What are common signs of roof damage?If you notice any of these signs of roof damage, it's important to have your roof inspected by a professional roofing contractor. Simple Solutions Roofing can provide a thorough inspection of your roof and estimate any necessary repairs or replacements. ● Missing or damaged shingles: Missing or damaged shingles can leave your roof vulnerable to leaks and other types of roof damage. ● Leaks: Leaks in your roof can cause water damage to your ceiling, walls, and other areas of your home. ● Water stains on your ceiling or walls: Water stains on your ceiling or walls can be an indication of a leak in your roof. ● Granules from shingles in your gutters: Granules from your shingles in your gutters can be a sign that your roof is deteriorating and may need to be repaired or replaced. ● Dented or damaged metal roof panels: Dented or damaged metal roof panels can be a sign of damage caused by hail or other severe weather events.
-
What if I don't have the money to replace my roof?We certainly understand that it can be tough to wiggle finances around. Especially when a person is in a tight place. This is why we have made financing your roof needs as Simple as possible! We offer a variety of financing options to meet your needs. Call today and one of our specialists would love to sit down with you and discuss the Solutions that work best for you.
-
Parking on my street is very tight and my neighbors will not enjoy having a dump truck parked for two weeks like I have seen at some job sites. How long does Simple Solutions take to replace a roof?Two weeks? That is Simply, nuts! Our roofing specialist often have the entire roofing job completed in ONE day! There may be exceptions to this depending on the grade, size, and materials used to replace the roof, but those are certainly exceptions to the rule! Take a look at this roof that was completed in one day:
-
My energy bill is out of this world! Can you look at my insulation and windows to determine if I can do anything to fix it?Often times, the fix for an incredibly high energy bill is really quite Simple. Contact our offices today and let our specialists get you set up for a 100% free energy audit conducted by your energy provider!
-
I hate my bathroom. It is very dated and small. Do you remodel bathrooms?We can certainly provide a Solution to your bathroom issues...your bathroom remodeling issues, that is. Contact us today and we will send a specialist over right away!
-
Does homeowner’s insurance cover roof replacement?Storm and hail damage are commonly covered if you can prove the damage to the insurance assessor. On the other hand, some insurance companies do not cover wind damage. Therefore, it's important to review your individual policy and understand what is covered and what is not covered before filing an insurance claim for roof damage. If you have any questions about your insurance coverage, Simple Solutions Roofing can assist you with reviewing your policy and understanding your coverage. There are several insurance companies that provide coverage for roofs in Maryland. These insurance companies offer different types of policies with varying coverage limits and deductibles. Some of the commonly used roof insurance companies in Maryland include: ● State Farm ● Allstate ● Nationwide ● Travelers ● Farmers Insurance ● Liberty Mutual ● Erie Insurance ● USAA Note: You might find that you can buy only “actual cash value” coverage for wind and hail damage if your roof is too old to qualify for replacement cost coverage. If this is the case, it may be time to get a new roof.
-
Should I contact a roofing company or my insurance company first?It is usually best to contact a roofing company first, especially if you suspect that your roof has been damaged. A professional roofing contractor can assess the damage and provide an estimate for repairs or replacement. They can also help document the damage and offer more evidence throughout the claims process. After you have contacted a roofing company and received an estimate, you can then contact your insurance company to file a claim. Simple Solutions Roofing can assist you with the insurance claims process and communicate with your insurance company on your behalf to ensure that the necessary repairs are covered by your policy.
-
How do I file an insurance claim for roof damage?If you need to file an insurance claim for roof damage, the first step is to contact your insurance company to report the damage. They will give you with the required forms and expect you to share photos of the damage. The insurance company will then assign an adjuster to assess the damage to your roof. The adjuster will typically visit your property to inspect the roof and determine the extent of the damage. They will also review your insurance policy to determine what is covered and the amount of coverage available. Once the adjuster has assessed the damage, they will estimate the needed repairs or replacement of your roof. If your claim is approved, the insurance company will typically provide payment for the repairs or replacement, minus your deductible. Simple Solutions Roofing can assist you with the insurance claims process by communicating with the adjuster on your behalf and ensuring that all necessary documentation is shared with your insurance provider.
-
Will filing a homeowner’s insurance claim for roof damage raise my premium or deductible?Filing a homeowner’s insurance claim for roof damage may result in an increase in your premium, but it depends on the specifics of your policy coverage and the claim. The amount of the premium increase will depend on several factors, including the amount of the claim, roof age, and the type of roof damage. While it's common for homeowners to file one or two roof insurance claims over a 10-year period, frequent claims can result in increased insurance rates and the risk of being dropped by the insurance company. To avoid these issues, it's important to only file claims for roofing damage and events that are covered by your insurance policy that cannot be repaired on your own. By doing so, you can maintain a good claims history and avoid any negative consequences to your insurance rates or roof coverage.
-
What if my insurance denies my valid roof claim?If your insurance company denies your valid roof claim, don't give up hope. You have the right to appeal the decision and have your claim re-evaluated. The first step is to contact Simple Solutions. We will review the letter or documentation that the insurance company provided when they denied your claim. Then we will begin building the appeal case and can assist you with any necessary documentation or information for the insurance agent. When the insurance company comes back out to review the roof again, our contractor will join them on the walk-through and show them the damaged areas. It's important to note that the claims appeal process can take time, and it's essential to remain persistent and follow up with the insurance company regularly. Simple Solutions Roofing can support you throughout the appeals process to help you get your claim approved.
-
When will I receive payment from the insurance company?The timing of payment for an insurance claim for roof damage can vary depending on the insurance company and the specifics of your policy. You may receive the payment in one lump sum, or the company may send it in multiple payments throughout the repair process. In general, you will commonly receive payment after the claim has been approved and the necessary repairs have been completed. When doing roof repair or replacements with an insurance claim, Simple Solutions Contractors can offer personal financing options that limit the amount you need to pay to only your insurance deductible. Our experienced contractors can walk you through the roof financing and payment options before submitting the claim to your insurance company.
-
Is home insurance different than roof insurance?Home insurance and roof insurance are typically not separate types of insurance policies. Instead, roof damage is typically covered under your standard homeowner’s insurance policy. That means if you need to file a roof insurance claim for damage, you will typically do so through your homeowner’s insurance policy. Simple Solutions can assist you with the roof claims process and work with your insurance company to ensure that the necessary roof repairs are covered by your policy.
-
What should I consider when picking a new policy?Over the past several years, wind and hail storms have become more frequent in Southern Maryland.This has led some insurance companies to offer coverage for roofs based on Actual Cash Value (ACV) rather than Replacement Cost Value (RCV). While this may initially seem like an attractive option with lower premiums, it can catch homeowners off guard and leave them without sufficient financial resources to cover the cost of roof repairs after damage occurs. If your policy is based on Actual Cash Value (ACV), it means that the amount you receive for a covered loss will be calculated based on the current cash value of your roof, minus your deductible and depreciation costs. The amount of depreciation will be determined by the age of your roof, with older roofs typically being subject to higher depreciation costs or not being covered at all under your policy. If you live in an area where roof damage from wind and hail is common, it's important to carefully consider your coverage options. Choosing between ACV and RCV coverage could have a significant impact on the amount you pay out-of-pocket after a loss occurs.
-
What does my deductible mean?Your deductible is the amount of money you are responsible for paying out of pocket before your insurance policy begins to cover the cost of damages or losses. For example, if your roof insurance policy has a $1,000 deductible and your roof is damaged in a storm, you will need to pay the first $1,000 of the repair costs before your insurance policy will cover any additional costs. The amount of your deductible is typically set when you purchase your insurance policy, and it can vary depending on the specifics of your policy and the insurance company you are working with. A higher deductible can lower your insurance premium, but it also means that you will have to pay more out of pocket in the event of a filing claim.
-
How Much Does a Flat Roof Cost in Maryland?Owners of commercial buildings can expect to pay anywhere from $6 to $15 per square foot for flat roofing. As an example, using these prices the total cost of a 5,000 sq. ft. building would range from $30,000 to $75,000. It is important to remember the cost of flat roofing systems can vary widely and depend on various factors, including the size of the roof, the chosen materials, and the complexity of its installation. It’s always best to schedule a consultation and estimate with a roofing expert to assess your specific building’s needs.
-
Can I Perform Flat Roof Repairs on My Own?While it may be tempting to handle flat roof repairs on your own, it is not recommended. Flat roofs require specialized knowledge and equipment to ensure proper repairs and to prevent further damage from popping up in the future. Hiring a professional roofing company, like Simple Solutions Contracting, ensures the safety and quality of the repairs, giving you peace of mind.
-
What warranties do you offer on your siding materials and installation?We stand behind our work and ensure the investment in your house is protected. We offer manufacturer warranties and workmanship guarantees on all of our roofing, siding, and window solutions.
-
How long does siding installation take?The typical timeline for siding installation varies depending on factors such as home size, siding material, and weather conditions. Our team will provide a customized estimate with a timetable based on your specific needs. Once we start your project we will work efficiently and keep you informed throughout the process.
-
How long does a roof replacement or repair take?The time it takes to complete a roof replacement or repair depends on various factors, including the size of the roof, the type of roofing material, the extent of the damage, and the weather conditions. When we do a complete roof replacement we use an experienced team of roofers, sometimes bringing up to a dozen contractors to work on your roof. With this larger team of experienced workers, we can typically complete small repairs in as little as a few hours. For a complete roof replacement on a larger house, it can take from one day to up to five days. At Simple Solutions Contracting, we provide a detailed timeline for each project and work efficiently to complete the job as quickly as possible without compromising on quality.
-
Do I need a permit for a residential exterior project in MD?Building code requirements vary depending on the specific project and city ordinances. During your free initial consultation, our experts can help you determine whether a permit is required for your exterior improvement project. If any permits are required, we will manage the application and filing process for your roof or home improvement services.
-
How much does it cost to install new windows on my house?Providing a general cost range is difficult without knowing the number of windows. The average homeowner in the Maryland area spends between $4,000 and $7,00 on window replacement and installation. If you schedule a free consultation, we will come out to your property and determine the most suitable window options for your home and budget. By considering factors such as energy efficiency, style, and durability, we'll help you make an informed decision for your house that balances both cost and value.
-
How Often Should You Clean Your Gutters?As a general guideline, it's recommended to be cleaning gutters for your home at least twice a year, ideally in the spring and fall, to ensure proper drainage for summer storms and snowfall in the subsequent seasons. But there are various factors that could make cleaning your gutters more frequently a good call. So, if you happen to notice poor drainage, water standing on your roof, excessive debris sticking from the gutters, or live in an area with heavy foliage, more frequent cleaning may be necessary to maintain optimal gutter performance!
-
How Much Does Gutter Repair Cost?The cost of gutter repair can vary widely depending on the extent of the damage and the size of the gutter system. Factors such as the length of the gutter, the material selected, and the complexity of the repair job can all affect the bottom line. It is best to schedule a consultation with our experts at Simple Solutions Contracting to assess your specific gutter repair needs and provide an accurate cost estimate for your unique situation.
About Simple Solutions
Simple Solutions is a professional roofing and exterior services company based in Southern Maryland, USA. They specialize in residential and commercial roofing services, including inspection, roof repair, roof installation, roof replacement, and on-going maintenance.
We are fully licensed and insured. Our team of experienced and skilled roofers are dedicated to providing high-quality services to our residential and commercial customers. We use only the best materials and equipment to ensure that our roofing services are durable, long-lasting, and reliable.
At Simple Solutions we strive to deliver exceptional customer service and work closely with each customer to ensure that their needs are met, and their expectations are exceeded. We offer free estimates and in-home consultations with a contractor are available to answer any questions or concerns that customers may have about our roofing services or the insurance claims process.