Why would my insurance company replace my roof?

 

​The purpose of buying homeowners insurance is to protect ourselves against losses in property value due to damage that is beyond our control. If you have any storm damage to your roof, you have experienced a financial loss in that your investment of  a 20 year old roof (for example) has now been reduced to a 5-10 year useful life span. Depending upon you policy your insurance company may compensate you for your loss and thus replace your roof.

Can my deductable be waived?

 

Most homeowners in the Colorado area will experience some sort of property damage from hail or other natural disasters. Typically when a severe storm hits it not only brings harsh weather but it also drags in "Storm Chasers". These are out of town contractors who flock to the affected area, knocking on doors and giving FALSE promises of "free roofs". Due to this statute laws were put into place on June 15, 2012 basically stating this is illegal! So protect your rights and DO NOT sign anything. It is now against the law for a contractor to waive your deductible.

How do I know if my roof has hail damage?


 It takes a close inspection of the shingles to determine hail damage. Usually the damage can't be seen from the ground and we recommend you have a professional take a look. If there has been a hail storm in your area and you suspect damage call us for a free, no obligation inspection: 719-325-6946.

How do I know if I need a new roof?

 

The most obvious sign of roof failure is continuous and growing leaks. Less obvious, but just as incriminating, are changes in the texture or color of your shingles. If you have asphalt shingles, a sure sign of failure, is edges that are curling and becoming brittle. New shingles are pliable and bend to a degree. If you fold the edge of shingle and it snaps off in your hand, the shingle is most likely starting to fail. If your roof is faded or appears faded, this may warrant further investigation.

Frequently Asked Questions

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My policy is confusing! 

 

​Each policy is different and can be difficult to decipher We have experienced professionals that will clarify and explain the process to you. We will act as a liaison between you and your insurance company to process your claim. This will help insure that ALL of your damage is repaired.

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© 2013 by  Monica McCaslin