Residential and Commercial Roofing Done RIGHT!


Monthly Archives: January 2023

What can you do when your Insurance company says NO to your storm damage roof claim?

Here are 7 options that you don’t know about!

An extreme weather front blows through your neighborhood. After the storm is over, you take a walk around your home to assess it, and you spot some property damage.  Is it enough to call your Insurance company to cover the losses? What’s my current deductible? This is why we buy Insurance… right?!

What do I do now?

What is the FIRST step?

You see damage on some or all of these areas around your home – your gutters, siding, paint, windows, patio furniture, sheds, and more.

Has your Roof been damaged?  Do you even know what to look for? Most homeowners don’t.

Relax, the FIRST thing you should do is call a reputable contractor like Denny’s Roofing to come out and put some professional eyes on it to assess the damage to your property and see if it is worth filing an Insurance claim. Meaning, is the damage a lot more than your current deductible? An honest contractor will give a quick assessment and give their opinion on the pros vs cons of calling Insurance to file a claim. If there is a little damage, calling your Insurance company might give you a “ding” to your policy that you don’t want to use if you don’t actually need it.

You see some damage. It’s there. Your Contractor acknowledges the damage. They feel that it’s worth calling your Insurance Company to get them to send out a “field adjuster” to take a look. You call and have your Contractor there at the meeting to represent you with the Insurance company. The process has started and is in motion.

Oftentimes, when the damage is obvious, there is no issue with your insurance carrier. They promptly cover the damages, sometimes cutting you a first check right on the spot, so that you can hire your chosen contractor like Denny’s Roofing to start the work. Great.  All is well when the system does what it’s supposed to.

And it seems like more and more insurance carriers are denying certain coverage or even refusing to cover you at all during the first go around with the adjuster when there is obvious damage. As Contractors, we are seeing this more and more to our dismay. For you the homeowner, it’s got to be very disappointing — you have been paying your premiums for years — you now need their help. What is going on? You have seen all the commercials and it’s drilled into your unconscious that a storm + damage = coverage. But not this time. Why?

It’s important to know that just because they have refused to cover certain items, it doesn’t mean that they WON’T in the end. It’s just going to take some time for your Contractor to get the coverage for you so that there are funds to fix the issues that are covered in your policy.  It’s not unusual for the initial “scope of work” from the Insurance company to come back a lot less than necessary to cover the damage.

Sometimes the Insurance company just refuses to cover certain damage because of an internal policy or leadership change, building code changes, or an adjuster that just digs their heels in and refuses to pay certain items based on internal company policy. It will feel a bit arbitrary. That can cause a big issue for the contractor to be able to complete the repairs. There are ways to work around it.

Ok… now what??

Well, here are a few things that you can do if this happens to you. Don’t get all worked up over it.  At least not yet. There are a number of things that your Contractor can help with – to get you coverage. We are just getting started!

  1. If your claim gets refused or cuts short monetarily, you will get paperwork from your carrier explaining why.  There might just be an error in the date of the storm or some procedural glitch that needs to be addressed. This does happen and the algorithm makes a mistake.
  2. Most insurance companies use an estimating software tool called Xactimate. It was developed by State Farm to equal the playing field for contractors and adjusters.  The average price for certain work to be done is in a drop-down menu and regularly updated that we all work abiding by.  It’s close to being accurate. It might be a little higher if it is a “bid” item that needs to be approved, and it just gives everyone a similar starting point to write a fair estimate.
  3. You can also call out another “Field Adjuster” with the Insurance Company to come out for a 2nd opinion.  Adjusters are people. Some you get along with, and some you don’t.  The first adjuster might have been having a bad day when they wrote the first estimate and were dealing with a personal life circumstance, and so, their state of mind gave you a poor estimate. It’s totally within your rights to have a reinspect. And even a second one if necessary.
  4. Once the reinspection is done, you can also get your Contractor to document the damage with lots of additional pictures and send them to the “desk adjuster” to look at.  What is a desk adjuster?  You have been assigned someone “in-house” that will look at the field adjuster’s determination and confirm it and also approve all of the “supplementation” that needs to be done after the first estimate. At this point, this person makes the decisions on coverage. They can be very reasonable. If you don’t connect with them, you can also speak to their Manager. The supplementation ends up adding between 5% to 35% or even more to the claim.  Some items on the claim need to be finished and documented before the insurance company will pay for them. And some items will be missed by the initial Adjuster.  This is common.
  5. Ask your Insurance Agent to go to bat for you if they’re in agreement about the coverage issue. Agents usually don’t get involved in the “claims” aspect of the process, and the good ones will if they need to and you can explain your situation. Explain your situation and ask them to call the adjuster to see what the issue is. And then get back to you about it. They don’t have any direct pull with the claims department and when they call claims, it does seem to make a difference.
  6. There is also the option of having a Public Appraiser or Public Adjuster take a look at it and see if there is a discrepancy between what the insurance carrier agrees to put into the claim versus what an impartial appraiser sees. Both sides bring in independent representation, and they make the decision. It’s a bit like arbitration. This is a bit of a longer process, and it can be a very useful tool in the end. We only invoke this when the insurance company is denying coverage.
  7. If you are feeling mistreated by your carrier, the last resort – you can call D.O.R.A. – The Colorado Insurance regulatory agency. If your insurance company is just not treating you well and has broken certain “good faith” agreements, the folks at DORA will look into it. Insurance companies tend to move forward quickly when DORA gets involved.

The most important thing to remember is to be patient. Getting you covered so that your home can get put back into the same condition as it was before the storm can take time. We know that you would like to get your work done. We want to do it for you. And getting the Insurance companies to acknowledge their agreement to indemnify you is the core of your agreement with the Insurance company.  And hiring the right Contractor that also has the skill and patience to navigate you through that process is key. So, hire wisely.

Hang in there.  A little patience goes a long way. Especially if you have hired the right contractor to take you through it step-by-step.

colorado roofs experience all sorts of weather related damage

Top 5 Roof Damage Issues in Longmont Colorado

Roof damage is a common issue in Longmont, Colorado, due to the large hailstorms that frequently occur in the area. The Colorado Front Range is called “Hail Alley”. In this article, we will discuss the top 5 roof damage issues in Longmont and how to prevent or repair them.

hail causes serious damage to shingles and roofs

Hail damage: Hailstones can range in size from pea-sized to tennis ball-sized, and they can cause significant damage to a roof. Hailstones can dent or crack shingles, causing them to become less effective at protecting your home from water damage. If you suspect that your roof has been damaged by hail, it is important to have it inspected by a professional as soon as possible. To prevent hail damage, consider installing a “Class-4 Impact Resistant” shingle when it’s time to replace your next roof. A little extra cost goes a LONG way in protecting your roof and it can get you a significant discount on your homeowner insurance with your Insurance carrier.

high winds cause shingle damage and water ingress

Wind damage: High winds can cause shingles to become loose, fold over, or can be completely torn off of a roof. This can lead to water infiltration and damage to the interior of your home. To prevent wind damage, make sure that your roof is properly secured and that your shingles are in good condition. If you notice any loose or missing shingles, have them repaired or replaced as soon as possible. Taking care of the outside of your roof will go a long way in protecting the inside of your house. The newer shingles that have been developed over the last 10 to 15 years withstand MUCH higher wind velocities than older 3-Tab or T-lock shingles. T-lock shingles are no longer manufactured.  So, if you have them on your roof and have any damage whatsoever Insurance will most likely have to replace your roof. The newer shingles also require 5 to 6 nails on each shingle rather than 4 like the older shingles for the updated wind ratings too.

water damage on a roof leads to serious repairs if unnoticed

Water damage: Water infiltration can occur when a roof is not properly sealed or when it is damaged. Water damage can lead to the growth of mold and mildew, which can be harmful to your health and the structure of your home. You might not think of mold and mildew on the Front Range because of how dry it tends to be but once the moisture gets into your attic, it can grow over time. To prevent water damage, make sure that your roof is properly sealed with a regular roof inspection and maintenance every 3 to 5 years. That way, any damage can get repaired as soon as it is discovered.

Snow melting and refreezing preventing water from draining

Ice dams: Ice dams occur when snow on the roof melts and then refreezes at the edge of the roof. This can create a dam that prevents water from properly draining off of the roof and gutters. This has been a very common occurrence this Winter. The snow will freeze and get up under the shingle and push back up under the shingle and work its way past the underlayment. This can lead to water infiltration and damage to the interior of your home. To prevent ice dams, make sure that your roof is properly insulated and that your gutters are clear of debris before wintertime comes around.  Get a long “snow rake” to pull snow off the lower areas of the house where ice build-up happens if you have a one-story home.  If you know that Ice Dams are a regular issue, you can also install “heat tape” along the eve of the roof and in your gutters to help it from showing up.

Squirrels, birds, and raccoons can damage a roof by digging or scratching at the shingles.

Animal damage: Animals such as squirrels, birds, and raccoons can cause damage to a roof by digging or scratching at the shingles. We see this type of damage all the time during inspections. The animals are trying to get out of the extreme weather. They burrow into any area that is not properly sealed. Even the smallest of open areas on your roof can invite a “critter” to make a nest. This can create openings that allow water to infiltrate the roof and damage the interior of your home. It can also lead to having animals in your attic and up in the roofing structure which can become a major issue. To prevent animal damage, consider installing protective wire barriers on vulnerable areas of your roof, under solar panels, and trimming back any branches that are near the roof. You can also have our roofer secure certain areas of penetration and add extra caulk to points that might seem inviting for animals to enter.  Below is a picture of a home where we did some repairs on the soffit and fascia. The metal plates were the homeowner’s attempt at covering the holes in the siding that a woodpecker kept coming back to over and over again.  You can see at the top of the picture where the birds got into the soffits by pulling them back to have just enough of a hole to sneak in and get out of the extreme weather.

In conclusion, the top 5 roof damage issues in Longmont, Colorado are hail damage, wind damage, water damage, ice dams, and animal damage. To prevent or repair these issues, it is important to have a professional inspect your roof regularly and address any damage as soon as it is discovered. By taking these precautions, you can protect your home and ensure that it stays in good condition for years to come.

dealing with hail damage to a roof ending up in a re-roofing

The Top Roofing Systems Ideal in Colorado to Resist Hail Damage

When it comes to protecting your home from the large hailstones that are common on the Front Range of Colorado, the type of roof you have can make a big difference. In this article, we will discuss the top types of roofing materials that are ideal for resisting hail damage, as well as the advantages, and cost comparison of each roof type.

Metal roofing: Metal roofing is one of the most durable roofing options available and is resistant to most hail damage depending on the thickness of the metal. It’s also good for heavy snowfall areas too. Metal roofing is available in a variety of styles and colors and can last for decades with proper maintenance and the appropriate underlayment. Additionally, metal roofing is fire-resistant and also energy-efficient, which can lower your cooling and heating costs. They tend to be more expensive than other options, but can last for 30-50 years and can increase a home’s value when you go to sell. It’s very popular along the Front Range and in the Mountains.

Concrete and Clay Tile Roofing: Concrete and clay tile roofing are also highly resistant to hail damage and can last upwards of 50 years with proper maintenance. Some clay tile roofs in Europe have last 100’s of years. They are fire-resistant, energy-efficient, and offer a high level of durability and weather resistance. These are also more expensive than traditional asphalt shingles but can last a lot longer, look great and increase home value.  NOTE: As durable as concrete tiles are to weather, a number of Insurance Companies do not recognize a lot of different Tile manufacturers for a Class 4 – Impact Resistant premium discount.  Check with your agent to see if your manufacturer is on the list.

Composite/Fiberglass shingles: There are a number of new Composite options for a roofing material that are coming onto the market every year.  We are not early adopters of them because we feel like they need to be battle-tested with our weather on the Front Range. Fiberglass shingles are a more affordable option than a Metal Roof or even a Tile Roof. There are a number of different types. They are also resistant to hail damage and lighter material and can last for up to 20+ years with proper maintenance. They are also fire-resistant. They come in a variety of colors and styles, but they may not last as long as the other options. And because they are thinner and lighter than are not really great in colder climates because they provide a little less insulation and can crack in the colder temperatures.

Architectural Asphalt Shingles: Class 4 – Impact-resistant shingles: Impact-resistant shingles are a popular choice for homes in the Front Range area, as they are specially designed to resist hail damage. These shingles are constructed from a combination of asphalt and a rubber polymer and are rated to withstand hailstones of up to 2 inches in diameter. These shingles are more affordable than Metal or Concrete Tile roofs. And a little more than a traditional Asphalt Shingle. When installed correctly they can last up to 20 or 25 years with proper maintenance. They come in many colors, are Fire Resistant, and are an upgrade to a traditional shingle.  A Class 4 IR Shingle can also get you up to a 25% Discount on your Homeowners Insurance with some carriers.  We at Denny’s Roofing like it so much that we put a Class 4 IR Shingle on almost every new roof we put on. The cost vs value of this product is spectacular.  Ask us more when we come out to take a look at your roof.

In conclusion, when it comes to resisting hail damage in the Front Range area of Colorado, metal, concrete, and clay tile, composite shingle, fiberglass shingles, and asphalt class-4 impact-resistant shingles are among the best options. Each of these roofing types has its own advantages and cost considerations. While metal, concrete, and clay tile roofing may be more expensive, they have a longer lifespan and can increase the value of your home. Impact-resistant shingles may be more affordable and still offers good resistance to hail damage. Ultimately, the best option for your home will depend on your specific needs, budget, and preferences. It is always recommended to speak with a professional roofing contractor to find out what is the best choice for your home. Give us a call to discuss the options!

a complete re-roof after a hailstorm

Why It’s Important to Have Your Roof Thoroughly Inspected After a Hailstorm in Colorado

Living in the Front Range area of Colorado, residents are no strangers to the powerful hailstorms that can occur in the region. After a hailstorm, it is crucial to have your roof thoroughly inspected, as hail damage can be difficult to spot and may not be immediately obvious if you are not sure what you are looking for. In this article, we will discuss why it is important to have your roof inspected by a professional roofer after a hailstorm in the Front Range area.

Preventing water infiltration: Even small dents or cracks in your shingles caused by even small hailstones can weaken their ability to protect your home from water infiltration. This can lead to leaks, mold growth, and significant damage to the interior of your home. A professional inspection of your roof will identify any damage that may have occurred and help to prevent water infiltration.

Identifying hidden damage: Oftentimes, hail damage is not visible from the ground, or the homeowner may not have noticed it. A professional inspection of your roof will be able to identify damage that is not immediately obvious, such as damage to the underlayment or structural elements. This will ensure that any damage is addressed before it becomes more severe. Also, if you see your neighbors getting their roofs inspected or even replaced, there is a good chance that you have some damage too.  Unless you have a new roofing system that is designed to resist hail damage.  They exist now.

Protecting your investment: A roof is a significant investment for any homeowner. By having your roof professionally inspected and maintained after a hailstorm, you can ensure that it remains in good condition and protects your home for many years to come. This can also help to maintain the value of your home if you decide to sell it in the future.

Insurance: Many insurance policies have a time limit for homeowners to file hail damage claims, as well as need a professional inspection of the roof. Getting your roof inspected by a professional after a hailstorm can help you to identify damage that is covered by your insurance policy and submit a claim before the deadline.

Preventing further damage: A roof that is damaged by hailstorms is more susceptible to damage from other weather events such as wind. By having your roof inspected and any damage repaired, you can prevent further damage from occurring and ensure that your roof remains in good condition.

In conclusion, it is essential to have your roof inspected after a hailstorm if you live in the Front Range area of Colorado. Not only will this help to prevent water infiltration and identify hidden damage, but it will also protect your investment, help with insurance claims, and prevent further damage. Regular roof inspections are an important part of maintaining the integrity of your home, and in the Front Range, it’s especially important after any hail storm.