This past week we began installing a new GAF TPO roofing system that we performed maintenance on and performed a periodical roof inspection. We documented the photos and reports in 2015 for our clients. On July 7th 2017 hail damage occurred, but no member walked onto the roof until the following fall (Face it, how many people walk their roofs?). Insurance claim gets filed. The insurance provider denies the claim and affixed the damage to a 2013 date of loss (Passed their filing statute of limitations). Everyone’s confused.
The next week we dive into our archives to retrieve our report. We contacted the insurance company and provided our photos and reports that contradicted this “2013 date of loss” finding. Alongside our reports, the clients also had a licensed home inspector review the property. Both reports and NO MENTION OF HAIL nor visual damage noted in the roofing membranes. Upon further review and months of back/forth the insurance organizations eventually agreed to an $88,000 insurance claim settlement.
Something so simple
These inspections often are free estimates and allow you to have a 1st hand account on present issues, concerns, or longevity of the existing products. In addition, to providing you with an honest record, it does the same for your insurance provider. We understand they’ll use their own insurance “reporting” system, but we never recommend relying on the insurance providers to make that decision!
The true costs for our clients homeowners:
1 service repair call – Illinois unlimited licensed roofing contractor (Free Estimate)
1 property inspection – Illinois licensed home inspection ($350.00)
So what’s necessary?
Perform: ANNUAL and SEMI-ANNUAL PROPERTY INSPECTIONS
A lot of times insurance companies will review your property 2 times during your relationship. The 1st inspection occurs during your initial insurance premium review. The 2nd time often during an insurance claim. It’s common for these inspections to occur 5 to 15 years apart if damage never strikes your property.
What you can do?
- Call licensed contractor to perform a property report (Annually) -$350.00
- Get a home inspection (Every 5 years) – $350 to $750
- Become familiar with storm damage such as hail, wind, & etc. and perform the inspections in-house. Free – Cost of the ladder.
- Notify your insurance provider anytime you make significant upgrades to your exterior products (Roof, siding, windows, & anything else) and keep receipts of the MANUFACTURER <- In case they get damaged.