How Does Insurance Settlement Work For Roofing Claims?

It’s not every day that we need to file an insurance claim with our homeowner’s insurance company to get a roof covered. Most people aren’t sure how insurance settlement works until they cross that bridge. The whole process can be a bit intimidating and time-consuming if you’re not sure what to expect. Eclipse Roofing has experience in helping local KC residents get new roofs covered in a timely and efficient fashion.

insurance settlement work

Help! A Storm Wrecked My Kansas City Roof!

If you suspect hail or wind damaged your roof, you should call a roof inspector to evaluate the situation. Since these no-obligation quotes are always free, you have nothing to lose and everything to gain. Having a professional opinion on your side is always a bonus when negotiating with an insurer.

Once you have a roofer’s assessment in hand, you should then call your insurance carrier’s claims office. The claim handler will assign a claim number and adjuster to your case. Be sure to keep all this information for your own records. Sometimes insurers ask you to get three different estimates from local KC roofers.

insurance settlement work

Get A Fair Insurance Settlement

The adjuster will schedule an appointment to come out and take a look at your roof. Inform your adjuster that you will have a roofing contractor present at the meeting (to serve as your advocate). Insurers, by nature, are looking to keep their costs down and  may not necessarily have your best interests at heart.

Once the adjuster has a look at your roof, he or she will provide a detailed summary of the repairs needed. In some cases, this may mean a whole new roof needs to be put on. The roofing contractor will compare this information to be sure no important details have been omitted. Any discrepancies will be negotiated with Eclipse Roofing’s insurance liaison on your behalf to ensure you get a fair deal.

insurance settlement work

 

Get Funding & Get Going

The initial check usually arrives with the claim summary. Sometimes additional paperwork is required by your mortgage company — a process which can take up to 10 days. Keep in mind, you will still be responsible to pay your deductible, whatever that may be. The total cost of the roof replacement will be covered by: the first insurance check, your out-of-pocket deductible, the amount of depreciation withheld by the insurance company, and any necessary supplements.  Once the roof has been completed, we will contact the insurance company to make sure any depreciation withheld is released and all the money promised by the insurer has been collected.

If you would like any more information about Eclipse Roofing’s insurance settlement work or a free roofing quote, please contact us at (913) 262-4700.

Back-To-School Sale On Kansas City Roofing!

It’s that time of year again. Summer parties and weddings are winding down, and the kids are becoming more bookish. Whether you are in charge of a school or you own a residential property, it’s the perfect time to have your roof inspected and tackle any structural issues that exist. While it may be hard to imagine in the hot, dry month of August, the fall season of wind, rain and sleet is soon to follow. It’s best to have your roof fortified when that time arrives.

kansas city roofing

Our Back To School Special:

  • Get $300 OFF a brand new roof installation!
  • Or get $100 OFF a Kansas City roof repair! 

We are offering this special deal to encourage you to call Eclipse Roofing right away for all your Kansas City roofing needs. It tends to get busy once the first big wind/rain storm hits, so we recommend scheduling early to be sure you are first in line.

What To Expect:

To set up a free consultation, call 913-262-4700. Our visit will begin with a comprehensive inspection and no-obligation quote. From there, you can decide whether you’d like to take us up on our special offer or not. One thing you’ll notice about Eclipse Roofing is that we’re an ethical company. We’ve earned the Angie’s List Super Service Award on five separate occasions — due to our honesty, friendliness and our willingness to go over and beyond homeowner expectations.

KC Roofing

We primarily service this Kansas City roofing territory, with stops in Lenexa, Leawood, Mission, Olathe, Overland Park, Prairie Village and Shawnee. We’ll do residential, commercial or government properties. We have experience working with various types of insurance companies and getting weather-related damage covered. With more than 10 years of local roofing experience, we’re not some fly-by-night operation out to get your money. Instead, we are an integral part of this community with a readiness to give you a quality roof at an affordable price.

 

Types of Roofing in Kansas City

No one wants to have the one house on the block that sticks out like a sore thumb. Take a wander down your street and have a look at what you see. It can be hard for the untrained eye to know what to look for, so here is a quick guide to the different types of roofing in Kansas City.

types of roofing in kansas city

 

When you see a roof made from asphalt that is totally flat, this probably signifies an older roof. This is the classic 3-tab shingle that was popular over the past several decades. These shingles are very affordable, but typically only last 20 years or so.

types of roofing in kansas city

These shingles are also made from asphalt, but they are called “architectural shingles.” They have a 3-D effect that most homeowners find very aesthetically pleasing. They also come in a wide range of colors from white and green to blue and brown, so you’re bound to find a shade that appeals to you. These shingles can survive up to 40 years, depending on the weather and manufacturer. We like to go with GAF/ELK and CertainTeed, as these two brands stand by their warranties.

cedar shake

Cedar Shake is not too popular in Kansas City, but you may see an older home or two that has it. People buy this type of roof for the historic look, but they generally only last 15 years or so. Wood is susceptible to insects, hail and rot, which makes it not the best choice for KC homeowners.

types of roofing in kc

Metal is strong, durable and lightweight — lasting 50 years or more. When you buy a metal roof, you are pretty much set for life! Yet, not everyone likes the look of metal for a residential home. You’ll see a lot of commercial buildings, garages, barns and sheds with metal roofs, but not as many homes.

types of roofing in kc

Tile is another style of roof that you may see in Kansas City, but you won’t likely see very often. These tiles look breathtaking, but they are easily cracked and shattered by hail or cold weather. Sometimes you will see a roof that looks like it’s made from tile, but it’s actually made of metal. While it’s heavy and expensive, a goof tile rough lasts 50 years in warmer climates.

types of roofing in kansas city

Some homeowners opt for slate due to its gorgeous look and durability. Unlike shingles, this material is fireproof. Slate is the most expensive type of roof you can buy and it may require additional roofing structures to hold up the hefty weight of the stone.

Average Roofing Costs In Kansas City

Looking for average roofing costs in Kansas City? We recommend calling three different contractors for free estimates to get the most accurate portrait of the local competition. However, before you pick up the phone, you may be wondering if you’ll have enough dough in the bank to cover it or if you need to take out a small home improvement loan — and that’s understandable.

Ballpark Estimate For A New Roof In KC

The cost of a new roof in Kansas City can range from $2,000 to $25,000, according to HomeAdvisor.com. They add that a good baseline figure is around $10,000. Unfortunately, Kansas City prices are slightly above the national average.

D.I.Y.?

People who are particularly handy around the house may opt to buy the materials and do it themselves for a much lower price than a professional installation. Truth be told, CostHelper says you can probably slap a fresh set of asphalt shingles onto a one-story ranch home for $680 – $3,700, depending on the square footage. However, you are also voiding the manufacturer’s warranty on the shingles you buy and risking the liability of injury. Besides, roofing is back-breaking work! So, for $1,700 – $8,400, many homeowners feel it’s worth having the professionals install a new KC roof.

Materials

The materials you choose can also affect the price of your roofing job. Asphalt is the least expensive option and will generally last 25 to 50 years, depending on the brand. Wood shingles or shakes are beautiful, but require a good amount of maintenance, are not fireproof, and don’t last as long — plus they cost an average of $6,800 – $20,000 to install. Tile roofs are more durable and distinctive-looking, but are also in the same price range as wood. Metal rooftops are very durable and even longer lasting than asphalt, but the cost can range anywhere from $5,000 to $40,000, depending on the type of metal used.  Though classic-looking and long-lasting, we’ve seen slate roofs cost as much as $84,000!

Give us a call at (913) 262-4700 for a free estimate on your Kansas City roof!

roof kc