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Roofing Insurance FAQs

Roofing Insurance FAQs

Insurance Company Information

What your insurance company is looking for?

fibers exposed and missing granules on asphalt roofing shinglesWhen your insurance company is called out to your home to investigate hail damage, they are usually looking for prominent hail damage and other weather-related damage to your roof. Shingles are designed so that the granules block the UV of the sun and protect the asphalt underlayment. As the shingles age, the granules fall off over time. As the asphalt is exposed to UV, it dries out and the shingle gets a “potato chip” appearance as the corners start to curl up. A shingle at the extreme end of its life is bubbled in appearance, and is brittle to the touch.

When your roof has hail damage, it does several things;

  • accelerates granule loss
  • accelerates shingle aging
  • voids manufacturer’s warranties
  • leads to other associated problems

Although hail damage doesn’t pose an immediate threat to the structural integrity of the roof, it will eventually lead to problems if left untreated. Also, many insurance companies have a statute of limitations of how long a hail claim is viable. It is usually a good idea to contact your insurance company soon after a major hail storm. When the inspector is on your roof, they are looking at your shingles for a “bruise” or dark spot where the granules have been knocked off and the underlayment or fiberglass is exposed. New hail damage usually has a shiny appearance while older damage can appear duller due to weather exposure.

Insurance Company Payments?

There are two major types of residential insurance policies;

  • Actual Cash Value (ACV)
  • Replacement Cost (RC)

With an ACV policy your roof will depreciate in value each year for 10 years. If your roof sustains any damages, you will only receive a check for the depreciated value of your roof. If you carry a RC policy, your insurance company will cover the cost to replace your new roof minus your deductible. Home insurance policies that are “replacement cost” will generally pay two installments for a new roof. The first check should be sent to the policyholder as soon as the adjuster has completed the damage assessment. The second check, generally 10 to 40 percent of the total settlement, is held back until the repairs are completed. This second check, usually referred to as “depreciation,” will be sent to the homeowner when the insurance company receives an invoice for final payment.

Immediately upon receipt of the invoice from Bob Behrends Roofing, LLC, please forward it to your insurance company. This will expedite this depreciation payment. Please be aware that most settlement checks are valid for 180 days. If the homeowner allows this check to expire, the bank will not honor it and a rather lengthy process will be required to have this check re-issued.

It is also important to remember that the settlement is based on the cost to repair the roof with materials of “like kind and quality.” Sometimes there is a discrepancy in the adjustment in cost, size of roof, or scope of damage between the homeowner and their insurance adjuster. If this is the case, your sales representative has the experience necessary to resolve these differences directly with your insurance adjuster. Everyone at Bob Behrends Roofing, LLC wants to make this entire process as easy for you as possible.

Invoicing, Payments, & Warranties

Bob Behrends Roofing, LLC will never ask for any money upfront. Upon the completion of your new roof (when new roofing materials have been installed), you will receive an invoice for the full amount due for your roofing project. Please fax this invoice directly to your insurance company as they will start processing your second check. We will accept a partial payment or your first check upon completion of your roof, and the balance when the second check is received. Please make arrangements with the insurance companies, banks, and mortgage companies that funds will be available to you at this time.

If payment in full is not made within 30 days of completion, a 1.5% penalty will apply per month until the balance is fully paid. In addition, a lien may be filed on your property to protect us for the work performed.

Your new roof will be covered by two warranties:

  • Workmanship – This is our warranty. It covers workmanship, labor, installation, but not materials. This warranty is valid for five years.
  • Manufacturer – This warranty is issued by the shingle manufacturer and covers the materials used. These warranties vary based on 25, 30, 40, 50, and lifetime years, depending on the product you install.

Please remember that these warranties are not valid until you account is paid in full.

Impact Resistant Rebates

The number of roofing products available continues to expand every year. As roofing technology continues to increase, so does the search for the perfect roof:

  • one which looks beautiful
  • maintains high property value
  • is cost effective
  • very durable
  • resistant to hail
  • most importantly, maintenance free

Some insurance companies will give a discount for a hail-resistant roof. This is usually defined by roofing material that undergoes an Underwriters Laboratory test called UL 2218. In this test, steel balls of different diameters and weights are dropped from different heights onto roofing material and then the damage incurred is assessed. Based on the damage incurred, each material is given a rating that the material manufacture must agree with for the insurance company to participate in their discount program. The majority of manufacturers have chosen not to participate in these discounts programs. Bob Behrends Roofing, LLC works with manufacturers that have produced the following Impact Resistant shingles and also offer these discounts.

The links below will take you to the manufacturer websites and their respective warranties.

Malarkey, Alaskan3-Tab35yr Warranty
CertainTeed, Landmark IRDimensionalLifetime Limited Warranty
Owens Corning, Duration StormDimensionalLifetime Limited Warranty
Malarkey, LegacyDimensional50yr Warranty
DaVinci Synthetic Shake & SlateSynthetic Shake/Slate50yr Warranty
Decra, Stone Coated SteelMetal50yr Warranty
Boral Roofing Tile (Monier Lifetile)Tile50yr Warranty
WestileTile50yr Warranty

Mortgage Company Procedures

Most insurance companies will usually include both the homeowner’s and the mortgage company’s name on the first and sometimes the second check. Mortgage companies require the homeowner to endorse this check and send it to them. Each mortgage company has its own procedures for releasing funds back to the homeowner. Normally this is only after repairs have been done. The best thing to do is ask your mortgage company what documentation they require to release these funds.

Please be aware that most settlement checks are valid for 180 days. If the homeowner allows this check to expire, the mortgage company will not honor it. Please ensure the mortgage company receives this check before it expires.

Some mortgage companies will require extensive documentation, and possibly an inspection by one of their representatives. Because Bob Behrends Roofing, LLC has assisted many homeowners with this process, we are familiar with the requirements. Your sales representative will be happy to assist you however possible. We have found that faxing documentation directly to you mortgage company can be a big time saver to homeowners. We want to help your project move along quickly and efficiently and are willing to help in whatever way we can during this confusing process.

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