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.

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.

Expert Roofers in KC Have GAF-ELK Master Elite Certification

As you search for expert roofers in KCyou may come across several different certifying programs. One of the best out there is the program sanctioned by leading shingle manufacturer GAF/ELK. “Because of GAF’s stringent standards, only the top 3% of all roofing contractors have qualified as Master Elite™ contractors,” the company states on their website. In this blog, we’ll answer some common questions you may have in separating the amateurs from the pros!

What Does “Master Elite Certification” Mean?

gaf masterTo receive the “Master Elite” certification, KC roofers must…

  • Be fully licensed in the state to perform roofing work.
  • Be adequately insured, for consumer protection.
  • Have a proven reputation for providing quality service.
  • Commit to ongoing education and professional training.

Is My Roofer A Certified Expert?

Sure, anyone can SAY they are GAF/ELK Master Elite certified, but don’t just take their word for it! You can easily verify a roofer’s credentials on the GAF website, simply by typing in the contractor’s ID # or Phone #.

What Else Should I Look For?

In addition to the expertise and consumer protections provided by hiring a certified roofing contractor, you can also protect yourself by assessing reviews from members of the community. Angie’s List is considered to be one of the better websites because they verify the validity of each review before publishing. You can search for KC roofers using a free trial. (Note: Eclipse has been recognized by the Angie’s List community as a “Super Service” award winner!)

Call 913-262-4700 for a free roofing estimate!

kc roof expert

 

Roofing Contractors In Kansas City MO – Call 913-262-4700!

roofing contractors in kansas city mo

Our roofing contractors in Kansas City MO Offers free estimates.

Roofing contractors in Kansas City MO can seem like a dime a dozen. Our city, in particular, has a high need for roofers due to the high winds and hail storms causing damage to area housing structures. Yet, the powerful storms also attract a number of opportunists who set up shop here, but may not necessarily be qualified or very good at roofing.

Here are a few of the factors that make Eclipse Roofing a good choice for your next job:

1. GAF/ELK Master Elite Certification

To become a factory-certified GAF Master Elite™ roofing contractor, we had to show that we are:

  • Fully licensed by the state of MO to perform roofing work.
  • Adequately insured for your protection
  • Have a proven reputation for quality service in our community
  • Are fully committed to ongoing professional training.

Did you know that only 3 PERCENT of roofing contractors have qualified as a “Master Elite” contractor?!

2. Exceptional Customer Service

We have not received a single complaint, which is why we have been given the Angie’s List “Super Service” award for 6 consecutive years — since Angie’s List first started giving out the award, in fact! As a small local company, we truly put our clients first. The vast majority of our business comes from personal referrals.

3. High Quality Materials

The best roofing companies do not try to under-bid competitors by using sub-par materials. We believe in doing a quality job RIGHT the first time. We guarantee our workmanship for 5 years, in addition to the manufacturer’s warranty. D.I.Y. jobs may be cheaper, but they also void the warranty — which can be 25 to 50 years on some types of roofing materials. We work with top-of-the-line shingle manufacturers like CertainTeed and GAF/ELK to bring you reliable products that will not fail!

Call our roofing contractors in Kansas City MO at 913-262-4700 for a free estimate!