Retail can move substantially faster than an insurance claim but is much costlier to the homeowner. A retail client’s roof is normally being replaced from wear & tear, age, or just because the homeowner wants a new look, all things which insurance companies will not pay for. A homeowner that can quickly find a contractor that meets their needs (such as confidence, price, and availability) and who doesn’t need insurance approval before proceeding, can save themselves a lot of time. Here at Anderson Roofing & Contracting, we have had retail projects that have taken less than ten days from initial client meeting to final invoice and payment, while projects involving the insurance span weeks [or more in some case].
Insurance can be a slower process due to communication, extra paperwork, among other factors. While the insurance route is almost always less costly for the client, there are a couple of exceptions. For example, sometimes a homeowner has a policy/deductible that leaves them essentially paying for the roof completely out of pocket [more on that another day]. Another example is when a homeowner has filed a previous claim that was never completed, in which case the insurance carrier will deduct the previous award from the current one.
When the insurance provider is covering the cost of replacing your roof, there is a [sometimes] lengthy process that typically involves more than just your roof. First is determining if you have enough damage to warrant contacting your insurance carrier in the first place. A qualified roofer inspects your roof and property for wind OR hail damage. We then consider if your roof damage is substantial enough for complete replacement or if it is just in need of some minor repairs. If we deem it a full replacement, we then advise you to contact your insurance provider and file a claim. Your provider will [often, but not always] send out an adjuster to do an assessment. His or her recommendation is passed up the ladder to determine the scope of work and amount the insurance company is going to award you. When the scope and price awarded is finalized by your insurance provider, your out-of-pocket cost for a new roof [depending on your policy] is typically only the amount of your deductible and any upgrades you may choose.
In summary, retail roofs are paid for entirely by the client, and are typically a faster process from start to finish. Roof replacements involving the insurance company are typically slower but save the homeowner money. By law, homeowners in Texas are required to pay their deductible. If the insurance provider has paid what they are supposed to, and for what they are supposed to, your roof replacement should cost you only your deductible and any upgraded changes you make to your existing roof.
At Anderson Roofing & Contracting we can provide most written estimates for your roof repair or replacement within one business day of our visit. If we have assessed your roof and have advised you to contact your insurance provider, we can wait until you receive your insurance paperwork, showing the scope of work, prior to giving you an estimate to avoid any back and forth. Of course, if you prefer to have an estimate written up before sending us your insurance documentation, we are happy to oblige. If you need a roof evaluation or an estimate anywhere in the greater Dallas/Fort Worth area, we are here to help! For more information on roof replacement costs, you can view another article here.
is recommended if you think you may have a leak, after very high winds, or if there has been hail in your area. However, with aging roof systems, problems can pop up even without recent storms. We recommend that homeowners with an aging roof system have their roof inspected once a year. Preferably at the beginning of each Spring or Winter, regardless of whether you have an active leak.
Here are some signs that you should have your roof inspected sooner rather than later:
Water spots on ceiling:
- Usually these start out subtle, and not always obvious except in certain lightening. However, they will typically darken to a yellowish color then brown as the leak progresses. Sometimes, depending on the severity of the leak, the texture may start to peel, and the sheet rock may buckle or collapse completely, before you have a chance to observe a change in the color of the sheet-rock. You should always have a professional roofing contractor, such as those here at Anderson Roofing & Contracting, to investigate any suspected leak and come up with a proper course of action to stop it.
- Sometimes sagging decking can be the result of a framing issue; this is typical when you see long dips or waves that are more or less obvious depending on lighting conditions. However, it is common for plywood to dip (or sag depending on your preferred nomenclature) with prolonged exposure to water/moisture. When you notice anything questionable with your roof structure, you should contact a roofing professional to assess the area in question.
Pieces of shingles on the ground, or visible patches of missing shingles on your roof:
- If you notice shingles on your property, or around your home, you should contact a roofing professional immediately to determine if you have any roof damage.
There are certain situations, where shingles may end up on your property that aren’t directly related to damage on your home. These can be shingles missing off one of your neighbor’s roofs, or scraps from a recent roof replacement on a surrounding home.
However, it is always best to give a trusted, local roofer a call, to give you piece of mind and notify you of any problems.
Excessive granules in the gutter trays or in front of the downspouts:
- It is common to see granules in gutter trays and around the bottoms of the downspouts after a hail storm. It is also common to see them after heavy rains on older roofs. As roof systems age, they are more susceptible to granule loss. Sometimes, granule loss becomes so advanced it is visible from the ground. The granules are the shingles primary line of defense against hail damage and reflect sunlight to keep your shingles from prematurely drying out and becoming brittle. Excessive granule loss can also be a sign that your roof is not properly ventilated, which could potentially void your manufacturer’s warranty. If you are frequently observing an unusual number of granules in your gutter trays, or in front of your downspouts, having your roof assessed is recommended.
Standing water on A/C units, tops of water heaters, or the walkways around them
- It is not unusual to be driving through a neighborhood and spot a lifted flashing (storm collar) on a water heater vent pipe. This is common after a homeowner has had a water heater replaced or service. On occasion, homeowners may also notice water on top or around there HVAC after recent rains. This is typically an indication that the pipe in question needs to be sealed properly. These are both common leak problems and are easily remedied by a professional roofer.
Anderson Roofing & Contracting is ready and waiting to help you with any of your roofing needs. It is not uncommon to spot our branded vehicles, in and around Flower Mound, Lewisville, and Highland Village. However, we service the entire Dallas-Fort Worth area. Are you located as far east as Wylie? As for north as Prosper? What about Forney or Burleson? We’ve got you covered.
Give us a call or drop us an email and let us come out and help you with your roofing needs and a free estimate.