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LA Roofer: The Ins and Outs of Roofing

October 5, 2022
Insurance Claims , Residential Roofs , Storm Damage
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An LA Roofer typically sees high storm traffic areas with the Spring and hurricane seasons. Weather can cause damage to roofs all over the state of Louisiana. LA homeowners are well aware of storm season and all of the damage that goes with it. This can include items in the yard dislodged due to high winds, trees being dislocated on the property, and the obvious target… roof damage! 

Following a severe weather event an LA Roofer will conduct an assessment of the areas damaged to estimate the cost to fix. The following steps of action will be taken by the roofer following storm damage.

  1. Inspect the roof 
  2. Assist homeowner in filing a claim with the insurance provider
  3. Meet with the insurance adjuster on the claim
  4. Follow up with homeowner and insurance adjuster to discuss approval or denial
  5. If approved, roofer will sign contract and collect ACV check 
  6. Construction work will commence
  7. The roofer will take completion photos and supplement insurance for unforeseen damages if needed
  8. Insurance will provide the homeowner with the final RCV and supplement checks
  9. Following payment in full the homeowner is provided the labor warranty

Step 1: Inspect the Roof

An LA roofer will provide a thorough free roof inspection of damaged areas to document any storm damage that occurred during the recent weather event. This includes chalking the roof for hail or wind damage and locating leaks or other potential issues caused by the storm. The roofer will localize the damage and find the most recent weather event that the damage could have occurred from.

Step 2: File an Insurance Claim

If the LA roofer suspects enough damage is there to warrant a storm damage claim on the homeowner’s insurance, they will suggest filing a claim with the insurance provider to fix the damages. The roofer can walk the homeowner through the process of filing a claim and work with the insured’s agent to help with any documentation they may need. 

Step 3: Meet with the Adjuster

The homeowner will need to advise the roofer about the insurance adjuster meeting to ensure that the roofer is there to provide evidence of storm damage and discuss with the adjuster and homeowner. The insurance adjuster on the insurance claim will then take the findings and approve or deny the claim based on damages observed on the roof.

Step 4: Follow up with Homeowner on Status of Claim

If the insurance claim is approved by the adjuster, the homeowner will receive payment based on their specific policy and deductible amount (most receive around 50%). Cost paid out of pocket depends on if the insurance policy is an RCV or ACV policy as well as the deductible amount provided on the homeowner’s specific insurance policy.
If the claim is denied, the homeowner and roofer could potentially find a solution through a roof repair if the damage is in one specific area and the roof is not severely damaged in multiple areas.

Step 5: Signing the Roofing Contract and Collecting the Down Payment

Following approval from the insurance adjuster, the homeowner will sign a contract to begin the construction process. The contract protects the roofing company as well as the homeowner to understand the scope of work and be in agreement on the duties of the roofing company and estimated cost of the project. It is extremely important that the homeowner see the license of the contractor as well as the proof of general liability and worker’s compensation insurance to protect the homeowner from roofing work that is incomplete, subpar, and prevents the homeowner from being liable for accidents or issues that occur on the property. A down payment of the first insurance check received is typically collected to cover some of the costs of material and labor for the project.

Step 6: Begin the Roof Construction!

During the roof replacement process the crew will begin with tear off of the existing damaged roof and replace any rotted decking beneath the roof, refelt to create a waterproof seal, then reshingle the roof. The length of time to replace the roof depends on the severity of damage that needs to be replaced (double/triple layer tear off, rotted decking, framing, etc) as well as the size of the roof.

Step 7: Sending the COC

The COC (Certificate of Completion) is sent by the LA roofer to provide the insurance company with proof that the construction work was completed. Supplements will potentially be sent in to the insurance company at this time as well to provide documentation of any unforeseen damage that was not accounted for in the original insurance scope of work. Homeowners are not responsible for the supplement charges unless agreed upon, it is sent in to the insurance company.

Step 8: Final Payment

The remainder of the balance (depreciation on RCV policy) approved and any supplements that were approved will then be released to the homeowner to pay the contractor the remaining balance on the account.

Step 9: Enjoy the Roofing Labor Warranty

When choosing a roofing contractor, always ensure that the contractor has a labor warranty included in the contract. This protects the homeowner from damages from improper installation.

Your Local Shreveport LA Roofer

Priority Roofing LLC is a local Shreveport LA roofing company who works alongside insurance agents and adjusters daily to take care of homeowners with storm damage. Our team is licensed and insured and provides a 5-year labor warranty for all residential and commercial roof replacements. If you have a roofing need in Shreveport/Bossier, call us today at 318.202.2123 or book an appointment online.

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