At Ethos, our contractors have seen some of the worst hail storms in Colorado’s living memory. They’ve restored a plethora of homes over the years and they have repaired significant storm damage throughout Denver. To help educate homeowners, we developed a straightforward guide to the storm damage restoration process. Stick with our steps and you’ll be on track to a fully restored home.
Step 1: Verify The Damage With A Trusted Contractor
Before any restorations can begin, the extent of the storm damage need to be verified. There are a number of key signs that you’ll want to look out for as a homeowner. You can almost guarantee that your roof needs professional restorative services if you notice:
- Broken, cracked, or missing shingles
- Water stains on your ceilings, walls, or exterior siding
- Cracks of light peeking through your roof in the attic space
- High energy bills
If you suspect that your roof is damaged, it’s better to have the professionals verify the damage. They’re the experts for hail damage repair in Denver, so they’ll know how to spot all the signs of roof damage. We’d recommend that you contact your trusted roofer for a free roofing inspection to verify the extent of your damage.
Step 2: File Your Storm Damage Insurance Claim
The roof insurance claim process is an incredibly important step in your overall restorations that cannot be undervalued. Your homeowner’s insurance policy is there to help protect your property and your wallet. Whether your claim covers the actual cost value or the replacement cost value, that financial support is always helpful.
Step 3: Ensure The Insurance Company Is Notified Of Your Claim
In some cases, it can take just a few days to file an insurance claim and get approved. In other cases, it can take several weeks to get your claim successfully approved. You want to make sure the ball rolling in the right direction once your submit your claim. Reach out to your insurance provider to make sure they have been notified of your claim. This step will help keep your storm damage restorations on the right track.
Step 4: Have Your Contractor Meet Your Adjuster
Your insurance provider will send out an adjuster to inspect your property damage first-hand. It would be wise to schedule a time to have both your contractor and adjuster visit your property simultaneously. With your contractor present, they’ll be able to voice any concerns that you may have with the adjuster’s findings.
Both parties will conduct their own thorough inspections and document the extent of the damages. Following their walkthroughs, your contractor and the adjuster will both provide estimated repair costs. To give your claim the best chance possible, you need to ensure that your claim is very detailed. Ask your contractor to document every little thing they spot. And remember: it never hurts to have your own set of photos and pieces of documentation prior to the storm as well.
Step 5: Do Not Settle For An Incomplete Settlement
It's your home, so you want to give it the best attention and care possible. However, your insurance provider will try to minimize the amount they pay you to save money on their end. If you think the offered settlement from your adjuster is too low, then don't accept it! You are not obligated to agree to the first settlement offer that your insurance provider offers you.
By having your contractor on site, you can leverage their findings to make an argument for a higher settlement. You may also want to consider hiring a public claims adjuster. As an unbiased third-party, a public claims adjuster can provide a higher estimate for your repairs, which you can then bring to the negotiating table.
Step 6: Ensure All Damage Is Addressed And Paid For
Work with your contractor and adjuster to make sure all the storm damage on your property is covered in your claim. If their findings indicate that some of the damage is not due to storms, then you can't expect that damage to be covered by your provider. Perhaps your siding has become warped with old age or maybe your gutter systems have broken down on their own accord. At this point, you'll need to decide if you're willing to pay a little extra out-of-pocket to address all your property damage. If your contractor can't cover these extra repairs, you'll need to find another contractor near you who can.
Step 7: Restore Your Property
With the insurance claim out of the way, those storm damage restorations can begin. Depending on your roof damages, your restorations may be more extensive and drastic. Your roof is much more than just a single layer of shingles. Underneath those roofing shingles, there are numerous protective layers underneath.
If the damages were severe enough, your roofers might need to replace your wood sheathing, the underlayment, and maybe even the fascia boards. In other cases, you might just need a new layer of shingles to fully restore your roof after a storm. The scope of work will be openly discussed and agreed upon far in advance.
Before the restorations begin, your roofing company will set up preventative measures to protect your property throughout the restorations. Some contractors may hang tarps around your home to catch falling debris. They might also utilize large trailers close-by to discard old roofing materials in an organized manner. With the right protective measures in place, your storm damage restorations can get underway.
Your trusted contractor should set to work quickly and efficiently, employing the highest level of care. Those roofers will work diligently to strip the roof down, replace any underlying layers, and then patch it all back up. Your roofer should adhere to the best roofing practices to ensure no details are overlooked.
As they wrap up your storm damage restoration in Denver, your roofers will take care of detailed cleaning tasks. Your roofers will patrol the areas surrounding your property with nail magnets to pick up any hidden hazards that fell during the repairs. They’ll take down all the tarps and discard all the debris in the dumpster trailer. Your roofers will finally vacate your property after saying a final goodbye to you. With a restored roof, your property will be ready to take on the next hail storms to hit Denver.
Top-Tier Storm Damage Restoration In Denver
The contracting staff members at Ethos are intimately familiar with storm damage restorations. We’ve been dutifully restoring Denver homes to their former selves since our company’s inception. We hold our contractors to the highest standards of excellence and we aim to please with every project that we take on. Our roofing pros will leverage their decades of experience to deliver an impressive roof restoration.
Schedule your FREE roofing inspection with Ethos today and learn more about our approach to storm damage restoration in Denver.