Storm Damage? Our Recovery & Restoration Team Can Help!
Before the Storm
Have you had your roof inspected?
As business picks up in the Caribbean and the Atlantic during hurricane season, Floridians begin to feel the anxiety of whether their roof will make it through without damage. At Roof Commander, our team is prepared to help you make it through any type of weather. We will advise you on the best course of action to ensure your roof is in the best possible condition to withstand a storm. Whether it is clearing your valleys or a full roof replacement, your roof will be storm-ready. Don’t wait until you’re in a storm’s path to schedule your free, no obligation roof replacement consultation.Schedule a pre-storm consultation
Wind mitigation: It’s worth your investment.
Before you file an insurance claim, first check with your agency to see if they offer wind-storm insurance. The process involves a simple inspection to confirm that your home was built with the appropriate methods to withstand a storm. Have the inspector look for things like gable end bracing, roof to wall attachments, and a secondary water resistant barrier. You’ll be pleasantly surprised with the amount of money you can save by obtaining a wind mitigation report. You pay a lot for your insurance—make sure you are getting as many benefits as you can.
After The Storm
Is my roof damaged?
After a storm, your damage may or may not be obvious. Determining if a roof is damaged can be deceiving, and misjudging what is really going on can be dangerous. Visibly curled shingles and loose tiles are easy indicators of storm damage. Unfortunately, not all damage is as easily detected.
If you suspect that your roof has been damaged by a recent storm, or even if you are unsure, contacting a licensed contractor is the best course of action. We advise against risking your safety by attempting to walk on the roof to assess the damage yourself. Instead, give us a call and we can send professionals to safely inspect it. Your well-being is our top priority and you are in great hands with our team.
Why you should hire a roofing company experienced in storm damage insurance claims…
After a bad storm, you may experience roofers going door to door claiming to be experts. There are a great number of scammers that prey on overwhelmed homeowners that are looking for the fastest and cheapest way to get their roof repaired. When researching for a roofing company to help with your storm restoration, it is imperative you know what to look for. We’ve compiled a list of things to keep in mind when searching for a roofing company. Here are a few:
- Are they licensed and insured?
- Are they Google Guaranteed?
- Do they have experience working with insurance companies?
Navigating Your Insurance Claim
Common insurance myths:
- There is a myth that typical homeowner’s insurance covers flood damage. That is a misconception. You should verify with your provider.
- Filing a claim on your roof will not raise your insurance rates. There is Florida state legislation and regulations in place that determine how rates can be raised. If you have owned your home and been with your insurance company for an extended period of time, you have likely paid for your roof many times over. You should get what you pay for!
- There are many companies that will tell you that you can get your roof replaced for free, but by law, a homeowner cannot profit from an insurance claim. Your deductible must be accounted for in some form, otherwise, this is considered fraud.
The AOB: What you need to know
In storm prone locations, such as Florida, homeowners needing repairs have historically come across the term AOB (assignment of benefits). According to the Florida Office of Insurance Regulation, assignment of benefits (AOB) is defined as:
“a document signed by a policyholder that allows a third party, such as a water extraction company, a roofer, or a plumber, to ‘stand in the shoes’ of the insured and seek direct payment from the insurance company.”
Often times, following a storm, a contractor will request or require you sign an AOB before beginning work. However, you are NOT required to sign an AOB. You can read more about the AOB and what it means for you, the homeowner.