Do you charge for Inspections and/or Estimates?
NO! We give FREE inspections and estimates to ALL our potential clients, and would be more than happy to come out and take a look to see how we can help you with your roofing and exterior needs. Reach out and call, or email us to set up an inspection ASAP!
We can help you get your claim started! Call or EMAIL Us TODAY! Let’s get moving!
Who do I call first?? The roofing company or insurance?
In most situations, it’s best to have one of our project managers come out and take a look at your roof FIRST. That way we can make sure that your roof is going to be eligible for a claim BEFORE you call your insurance company. If there’s no damage, or not enough to file a claim, we’ll let you know and save you the headache. If there IS damage, it’s BEST to have us meet your adjuster on site to make sure that your claim and the damage is being handled correctly.
HOW a claim is filed can sometimes effect the way it is settled, and a little guidance can save a lot of possible headaches down the road. We’ll MAKE SURE that you get started RIGHT!
What about using “drones” for inspections?
“A different company used one and said that they found NO damage.”
Some companies will use drones to inspect your roof. In OUR OPINION, it’s high-tech B.S. If your obviously damaged, a drone will be able to see it… BUT… we go about it in the old-school way and actually get up on your roof for a reason. You just can’t see all the damage with a distanced bird’s eye view. Most times you need to be up on the roof, looking at it close up with a trained eye. Not with a lens, but with experience of knowing what the industry and also your Insurance company will cover as damage. You have to TOUCH the damaged spots on the roof to feel it. Or the person inspecting the roof doesn’t feel comfortable to get up on the roof because it’s too steep, too high, or whatever other reason that they might have.
We can’t tell you how many times a homeowner has said that they had someone up on the roof previously and they didn’t see any damage…. when there is damage to the roof. Enough damage that when you go to sell your home, it won’t pass an inspection. And now it’s too late to get your insurance company to cover the cost of replacement because it’s past its replacement limit. Don’t let that happen to you!
Are you just a roofing company? Or are you a licensed general contractor?
We’re BOTH! We are a G.C. (General Contractor) that is nationally licensed, and we specialize and focus on residential and commercial roofing. roofing is our bread and butter, and we’re also a one-stop-shop for your roofing and exterior needs.
If you’re interviewing roofers, ask them if they are a roofer or a general contractor (and get them to show you their current contractor’s license — their insurance certificate for liability and for workman’s comp insurance). A lot of roofers don’t have it and take the chance of someone getting hurt on YOUR property without the proper insurance every day. There’s a big difference in the level of professionalism, quality of work, insurance, and set of building codes that a G.C. must adhere to for keeping their license in good order with the different municipalities. YOU WANT TO HIRE a G.C.!
As a general contractor, we also have qualified licensed, fully insured, and vetted subcontractors that we work with every day. When there’s a storm, there can be damage to other parts of your home, and we can help. We can help you with new gutters, siding, windows, skylights, painting, solar panels, screens, and more.
Don’t take a chance or assume the liability of hiring a fly-by-night company that’s going to give you a “great deal.” If it’s too good to be true… it’s not true. Don’t be fooled.
Legally, can my contractor pay my deductible?
Because of past situations in previous storms, Colorado state and Gov. Hickenlooper passed certain insurance laws protecting homeowners. Currently, the State of Colorado has the following law(s) in place: Pursuant to part 1 of article 4:10, C.R.S., to pay for the roofing work, pursuant to section 6-22-105, the roofing contractor cannot pay, waive, rebate, or promise to pay, waive, or rebate all or part of any insurance deductible applicable to the insurance claim for payment on the covered residential property.
In the event an insurance carrier finds out that the contractor has promised the above legal statement in any way, an insurance carrier has the right to drop coverage of the policyholder, leaving them uninsured. Not paying a deductible can come back on the policy holder, NOT the Contractor. We do everything we do — legally. So, no. We cannot pay your deductible, and anyone that says that they will, you might want to think twice about using them. If they’re willing to take that chance, you could be in for a rude awakening down the line. And insurance fraud.
Do I get the “depreciation” back that they hold?
Depreciation in the insurance world is a bit different than you’re most likely used to hearing about. With most claims, the answer is yes. Residential policy claims have depreciation withheld, and after the work is done, that money will be released back to you. It’s called “recoverable depreciation” and so many homeowners have never had it properly explained to them, nor do they understand the terms “RCV vs ACV” policies (Recoverable Cash Value vs Actual Cash Value). It can be quite confusing. Just know that when you work with us, we’ll provide all the necessary paperwork to the insurance company to get all of the “recoverable cash value (RCV)” refunded.
Sometimes certain policies add variables and specific details to claims that make things like fencing and some other excluded items non-recoverable. Which means that you won’t see the depreciation. We’ll do our best to explain what can be confusing so that you will know what to ask about before you call your insurance company.
How do I decide which materials my roof gets replaced with?
Your insurance company is required to give you what is called “like-for-like” with your roofing material. Meaning, you’ll get the equivalent class of shingle or building material that was on your roof at the time of the claim. In most situations, if your roof is being replaced, they’re also required to update any building code changes for your roofing materials, too. This is part of the “supplementation” process between your project manager and your insurance company. If you don’t have a Class IV Impact Resistant Shingle on your roof currently, we’re happy to upgrade you for FREE in MOST situations. The Class IV Shingle is newer and built to withstand the smaller hail storms without damage. They won’t resist ALL sizes of hail, but we’ve been thrilled with the results of the smaller storms over the last 5+ years.
Just know that your project manager will review your claim with you and provide you with the highest quality of material that your insurance company has allowed funds for.
Can I just put a new roof on as a second layer of shingles over my existing one? I’ve heard of other people doing that.
If you presently have shingles as your roofing material, current Colorado building codes no longer allow for multiple layers of shingles on a roof. The existing shingles need to be torn off, along with the underlayment to the sheathing/decking to replace the roof and all the roofing components to bring it up to current building code requirements.
What do RCV and ACV mean?
RCV stands for Replacement Cost Value. This is the line item number that shows the actual monetary amount it costs to replace and handle the entire claim to restore it to pre-storm conditions. Think of it as the overall current replacement cost amount. At the end of the claim, your insurance will pay that amount, minus your deductible amount and any “non-recoverable” items.
ACV stands for Actual Cash Value. This is the amount that you are being paid from insurance on what your current loss is worth in “cash value” at the beginning of the claim. They depreciate and hold back money on certain items because they want you to replace them, and then give you the RCV amount to do it WHEN THE WORK IS COMPLETED.
You have the option to decide not to replace the damaged items and keep this cash. Hence the ACV amount. AND… we want to caution you on this. If you choose NOT to replace your roof or any other item on your claim, keep in mind that your insurance company WILL NOT PAY OUT for that item ever again in the future. For example, since they’ve paid you for your roof hail damage, but it was not replaced, it has lost its value. If the roof was not repaired or replaced, and your roof has hail damage again, you will not be entitled to receive compensation from your insurance company again in the future.
If I install a new roof or a Class IV Shingle, do I get a discount on my insurance policy?
In most cases, yes. Which is why we like to offer the Class IV FREE upgrade by choosing Denny’s Roofing. Some insurance carriers give a discount for a Class IV roofing material if you didn’t already have it on your roof. We can give you a certification to send your carrier to see if you get a discount on your premiums. We advise all our clients to contact their insurance agent and see if there are any discounts available after a new roof or a Class IV shingle has been installed.
If my insurance company isn’t paying for items that should be paid for, how do I get them paid for?
By hiring us, we’ll fully handle your claim on your behalf and work with you every step of the way to make sure you are completely indemnified on items that have been damaged and your home or business is made whole again. We’ll do everything we can to help make that happen.
What is your warranty?
Each manufacturer has it’s own warranty for each material that you choose to use on your roof, and some are better than others. All the materials that we recommend offer a Limited Lifetime Warranty, and we give a full 5-year Workmanship Warranty on the installation.
Who do I pay my deductible to?
Your deductible is to be paid to the contractor that is performing the work, similar to a copay when you visit the doctor. Your deductible is a part of the total amount that the insurance company estimates your job will require to complete. So, in the event the deductible amount is $1,000, then the insurance company will withhold that exact amount and pay the rest of your claim. It is your responsibility to pay your deductible portion to your contractor.
Let Us Help You Out!
Our senior project managers are highly trained in insurance claims and can help you to understand your insurance scope better, and will answer all your questions. If you stump them with a question that they CAN’T answer… they’ll find it out and get the proper information back to you ASAP. When you meet with them, you can trust that you’re in a professional’s hands from start to finish.
CONTACT US NOW to set up a FREE inspection or call for answers to any questions you might have!