How Does Insurance Settlement Work For Roofing Claims?

It’s not every day that we need to file an insurance claim with our homeowner’s insurance company to get a roof covered. Most people aren’t sure how insurance settlement works until they cross that bridge. The whole process can be a bit intimidating and time-consuming if you’re not sure what to expect. Eclipse Roofing has experience in helping local KC residents get new roofs covered in a timely and efficient fashion.

insurance settlement work

Help! A Storm Wrecked My Kansas City Roof!

If you suspect hail or wind damaged your roof, you should call a roof inspector to evaluate the situation. Since these no-obligation quotes are always free, you have nothing to lose and everything to gain. Having a professional opinion on your side is always a bonus when negotiating with an insurer.

Once you have a roofer’s assessment in hand, you should then call your insurance carrier’s claims office. The claim handler will assign a claim number and adjuster to your case. Be sure to keep all this information for your own records. Sometimes insurers ask you to get three different estimates from local KC roofers.

insurance settlement work

Get A Fair Insurance Settlement

The adjuster will schedule an appointment to come out and take a look at your roof. Inform your adjuster that you will have a roofing contractor present at the meeting (to serve as your advocate). Insurers, by nature, are looking to keep their costs down and  may not necessarily have your best interests at heart.

Once the adjuster has a look at your roof, he or she will provide a detailed summary of the repairs needed. In some cases, this may mean a whole new roof needs to be put on. The roofing contractor will compare this information to be sure no important details have been omitted. Any discrepancies will be negotiated with Eclipse Roofing’s insurance liaison on your behalf to ensure you get a fair deal.

insurance settlement work

 

Get Funding & Get Going

The initial check usually arrives with the claim summary. Sometimes additional paperwork is required by your mortgage company — a process which can take up to 10 days. Keep in mind, you will still be responsible to pay your deductible, whatever that may be. The total cost of the roof replacement will be covered by: the first insurance check, your out-of-pocket deductible, the amount of depreciation withheld by the insurance company, and any necessary supplements.  Once the roof has been completed, we will contact the insurance company to make sure any depreciation withheld is released and all the money promised by the insurer has been collected.

If you would like any more information about Eclipse Roofing’s insurance settlement work or a free roofing quote, please contact us at (913) 262-4700.

Finding The Best KC Roofers Can Help You Avoid These Roofing Nightmares

As one of the best KC roofers, we spend a surprising amount of time repairing damage done by other contractors. The industry is rampant with truly unbelievable tales of roofing horror stories and consumers who are left high and dry by these fly-by-night organizations that move from town to town chasing storms and insurance claims. There are also many contractors who are under-trained and under-insured. It’s up to the consumer to exercise due diligence in selecting the best KC roofer.

best kc roofers

Recent Roofing Nightmares…

  • In St. Louis, MO, a homeowner spent nearly $4,000 to stop a leaky roof. A contractor had come to fix a storm-related leak back in 2012 — only to leave a new spot leaking! He came back once, tacked up a few shingles and left, but the problem persisted. He left his sloppy work behind and stopped answering calls. 
  • In Honolulu, HI, a project to repair a leaky roof in the state capitol has actually created worse leaks. Construction workers were replacing the fifth floor roof, but tearing out the old foam padding has exposed cracks and allowed water to leak down and saturate office ceiling tiles, costing the taxpayers a lot of money!
  • In Cordova, AL, roofing contractors were working during thunderstorm conditions, which caused injuries to three workers that included broken bones, a left arm amputation and an injured shoulder. To make matters worse, the company owner was not adequately insured and refused to pay the tab! (Note: in some situations, workers may turn around and try to sue the homeowners, since it happened on their properties!)
  • In Grand Rapids, MI, an unlicensed contractor took $5,000 from a woman and left her with a leaky roof.

How To Find The Best KC Roofers…

When you’re looking for a Kansas City roofer, you want to check for several basic credentials:

  • When did the company form? A decade or more of experience is preferable.
  • Are they a member of the Better Business Bureau? Demand nothing less! Make sure they have an “A” rating.
  • Can you find reviews? Angie’s List is a good source for contractor reviews. Look the company up!
  • Do they offer free estimates? Be skeptical of people who charge for estimates or who ask for money upfront.
  • Is the quote fair? Get at least three bids in writing to compare figures before making your decision.
  • Are they professional? These days, you need to have a website, be courteous on the phone and show a portfolio.

Get a bid from Eclipse roofing!

Call 913-262-4700 for a free estimate from some of the best KC roofers the city has to offer.

Need A New Roof In Kansas City This Summer?

Traditionally speaking, the cost of roofing shingles has gone through the roof in recent years. All the oil needed to make and ship asphalt shingles explains the double-digit hikes we’ve seen in some cases. GAF-ELK, one of the top brands of shingles we use, has seen a price increase of 5 to 8 percent, while other popular brands like Tamko have gone up in price by as much as 15 percent. All this puts a strain on contractors who really don’t want to increase their price, but may have no choice. Luckily, we offer several different brands of shingles, giving you the freedom to choose what you pay.

Affordable Shingles In Kansas City

Consumer Reports has identified some low-priced bargains that offer the same caliber of quality, without the higher prices. Asphalt shingles from CertainTeed and Owens Corning are among the top performers in Consumer Reports roofing tests, but still cost half the price of other shingle brands. You can get 100 square feet for about $100 in some cases. Best of all, you can still get the attractive layered look and durability of architectural shingles for this price.

Hire A Trustworthy Kansas City Roofer

Hiring a contractor you can trust is another way to get a deal on a new roof in Kansas City this summer. Consult friends and neighbors who they used. Look online for contractors that offer customer referrals. Only settle for a roofer that is licensed, insured and rated by the Better Business Bureau. Speak to a couple different companies before making your final choice. (Don’t feel bad: we all understand this is just part of the KC roofing industry!)

Call Eclipse Roofing at 913-262-4700 for a free no-obligation quote.

We promise exceptional service and quality workmanship. About 99% of our business comes from referrals and we pride ourselves on developing lasting relationships with customers. (In KC, you never know when you’ll need a sudden hail storm repair!) Perhaps this is why we win the Angie’s List Super Service Award every year. If you need a new roof in Kansas City this summer, we look forward to hearing from you!

new roof in kansas city

Roofing Specials in KC

Spring is a good time to look for roofing specials in KC. By the time summer hits, the waiting line can be pretty long to get a roofer to your house. The first weeks of the winter thaw is the ideal time to call and secure your spot. We may not always be able to roof, due to the heavy rains and unpredictable weather, but we are committed to keeping the lines of communication open and scheduling around the gloomy forecasts to ensure your job gets done as quickly as possible!

Not All Roofing Specials in KC Are Worth It.

It’s not unusual to see roofing specials this time of year. Yet, keep in mind that price is not the only consideration. Beware of Groupons or Daily Deals offering a super low price on a new roof. Often, these offers are “bait and switch,” luring customers in with the promise of cheap labor, but later jacking up the price due to “unforeseen circumstances.” We see it all the time. Worse yet, are people who go with the lowest bidder only to find that these ruffians have skipped town, leaving half their roofs exposed! Go for reputation and you can never go wrong. Make sure the roofer you choose has a good track record with the Better Business Bureau and has a list of referrals you can call.

What Are You Getting For Your Money?

Another factor to consider is the product itself. All shingles are NOT created EQUAL! You want a product that is guaranteed to last. Some of the newer asphalt shingles are guaranteed to last 50 years when applied by an approved contractor. So, first of all, you want a top-of-the-line brand like CertainTeed or GAF/ELK. Secondly, you want to make sure your roofer is certified by the manufacturer, so your warranty doesn’t become null and void!

Spring Roofing Specials in KC & Free Consultations

Please contact Eclipse Roofing to inquire about our spring specials. All year round, we offer free home consultations to give you an accurate estimate and let you know what you can expect from us.

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Average Roofing Costs In Kansas City

Looking for average roofing costs in Kansas City? We recommend calling three different contractors for free estimates to get the most accurate portrait of the local competition. However, before you pick up the phone, you may be wondering if you’ll have enough dough in the bank to cover it or if you need to take out a small home improvement loan — and that’s understandable.

Ballpark Estimate For A New Roof In KC

The cost of a new roof in Kansas City can range from $2,000 to $25,000, according to HomeAdvisor.com. They add that a good baseline figure is around $10,000. Unfortunately, Kansas City prices are slightly above the national average.

D.I.Y.?

People who are particularly handy around the house may opt to buy the materials and do it themselves for a much lower price than a professional installation. Truth be told, CostHelper says you can probably slap a fresh set of asphalt shingles onto a one-story ranch home for $680 – $3,700, depending on the square footage. However, you are also voiding the manufacturer’s warranty on the shingles you buy and risking the liability of injury. Besides, roofing is back-breaking work! So, for $1,700 – $8,400, many homeowners feel it’s worth having the professionals install a new KC roof.

Materials

The materials you choose can also affect the price of your roofing job. Asphalt is the least expensive option and will generally last 25 to 50 years, depending on the brand. Wood shingles or shakes are beautiful, but require a good amount of maintenance, are not fireproof, and don’t last as long — plus they cost an average of $6,800 – $20,000 to install. Tile roofs are more durable and distinctive-looking, but are also in the same price range as wood. Metal rooftops are very durable and even longer lasting than asphalt, but the cost can range anywhere from $5,000 to $40,000, depending on the type of metal used.  Though classic-looking and long-lasting, we’ve seen slate roofs cost as much as $84,000!

Give us a call at (913) 262-4700 for a free estimate on your Kansas City roof!

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