The Pricing Process For Roofing Estimates in Mobile and Baldwin County
When your property becomes damaged by a recent storm, it may not always be clear how the costs of your repairs are determined by your insurance provider. How exactly does your insurance company determine the specific price point for your repairs? What kinds of factors weigh into the pricing of your home insurance claim? And how can our contractors help you cover your payment? It is not always easy to understand the pricing behind roof repairs and roofing estimates in Mobile and Baldwin county. That's why our Daphne roofing professionals and home improvement experts are here to help clarify those pricing methods for you.
The first thing you need to remember about your roof repairs is that your out-of-pocket repair costs are fixed at your deductible, in addition to any upgrades and any policy exclusions. For that reason, it is a good idea to check with your agent for any policy exclusions that you need to be aware of as you may be liable for those items in the event of a claim. Upgrades are generally considered to be anything beyond the insurance scope that you want done during your repairs, such as replacing your shingles with a higher quality option, using a more durable paint product on your home's exterior, or replacing more windows on your home than were damaged.
Assuming your out-of-pocket costs are the same regardless of the amount on your claim, you'll need to ask yourself a serious question: Would you rather simply get your roof fixed quickly or do you want to make sure all legitimate damage on your property is pinpointed and fully repaired? No one else can answer that question except for you.
At Ethos Roofing & Restoration, we have offered support for hundreds, if not thousands of homeowners through their storm restorations since our company’s inception in 2006. Throughout our careers in the contracting industry, we have become intimately familiar with all the minute details and important factors that may influence the pricing of storm damage repairs. And since homeowner education is one of our top priorities at Ethos, we wanted to share our knowledge on this important topic with you.
Payment Options & Financing
While your insurance provider will often cover the total scope of your storm damage repairs, that doesn't mean it will be immediate. In many cases, homeowners will need to cover the initial costs of their repairs and their insurance provider will reimburse them at a later date. If this scenario happens for you, don't worry: we've got you covered at Ethos.
We are happy to now offer multiple financing options to help make your repairs and restorations more affordable. If you need greatly flexibility with your payments, we'll work with you to develop a monthly payment plan with low monthly costs (approved credit is required). At Ethos, we are on your side when disaster strikes, and that isn't just our tagline. We're here to help you restore your property and we are more than willing to find the right financing option for your individual needs.
When Should I File An Insurance Claim?
After the storm finally passes, you should contact your trusted contractor and schedule a time to have them inspect your property to fully assess the storm damage and to determine if it makes sense to file a claim with your provider. We should note that Alabama sees plenty of storms throughout the year, so you may not need to contact your contractor after every single storm. However, if the most recent storm was more substanial (e.g., hurricanes, tornadoes, lightning storms, etc.), they you should play it safe and contact your contractor ASAP.
Once the skies have cleared up, you may want to take some time to inspect your property on your own. If you notice hail dents on your vehicles, tree limbs on the ground, impacts on your mailbox, shingles on the ground, or higher energy bills, there is a strong chance that your property has suffered roof storm damage in the recent weeks or months.
A trusted and experienced contractor should be able to educate you on their property restoration process and what your next steps should be, based on their honest opinion of whether or not your property has suffered from recent storm damage. Your roofing contractor should also listen to your concerns and goals for the repairs of your home, and make sure your comments are taken into consideration as they outline their roofing assessment.
If your property has sustained legitimate storm damage, you will need to file an insurance claim with your carrier as quickly as possible. The homeowner's insurance claim process is unique and unlike the typical bid process for home repairs. As a general rule of thumb for roof insurance claims, the more documentation you can provide, the stronger your claim will become. And a stronger claim is far less likely to be denied by your insurance provider.
During your FREE property inspeciton, our experienced storm damage contractors in Daphne will take the time to accurately evaluate the full extent of your property damage and put together a detailed photo report for you. We'll diligently outline all of our findings, thoroughly discuss every detail with you, and develop an accurate roofing estimate in Baldwin county for you. With a comprehensive scope of work ready to present to your insurance company, you’ll have a stronger claim to help cover the costs of your home repair project.
How Your Property Repair Costs Are Determined
The costs associated with your home repairs are typically calculated by your insurance adjuster following their inspection of your property. Your adjustor will prepare an initial estimate for the total scope of your needed repairs (based on their findings) by using a pricing software called Xactimate. The pricing models for this software are set in place and updated monthly based on the supply and demand of the market. In order to get the most accurate roofing estimates in Baldwin county, it is very important for all components of the entire scope of the repairs to be included in the estimate.
Just remember to keep in mind that the number that Xactimate delivers is an initial offer to settle your claim and that number is not set in stone. If there are legitimate items missing in your estimate, an experienced contractor can help get those missing items included in the scope of work and ensure they are properly addressed. Our goal is to make sure all of your property damage is identified and that all necessary components are included for the most successful repairs possible.
At Ethos, our contractors use the Xactimate pricing software as well for our roofing estimates in Daphne. This accurate software tool helps us ensure that our line item pricing is the same as most insurance carriers. By leveraging the powerful software of Xactimate, we can address any additional legitimate items in our estimate more efficiently.
Final Pricing Considerations
If you want to fully restore your Alabama property to its pre-storm condition, then you must work with a contractor who can properly address the entire scope of your property damage and not just the roof. Many roofing contractors can tend to overlook certain types of property damage because they are either solely concerned with your roofing needs or because that additional damage adds complexity to your claim that they may not be well-equipped to handle. This can unfortunately burden you with the obligation to hire additional contractors to repair the overlooked property damage.
In order to get all your property damage addressed and repaired, you’ll need to work with a contractor who will thoroughly discuss all the discovered damage with your insurance company and has the capabilities to repair the entire scope of damage. At Ethos, that is exactly what we do.
Get Accurate Costs On Roofing Estimates in Mobile or Baldwin County
At Ethos, our contractors have spent decades in the contracting industry. Thanks to that experience, all of our employees are extremely well-versed in property repairs and we are expertly adept at providing accurate roofing estimates in Baldwin county. Whether your property is located in Daphne, Orange Beach, Fairhope, or other areas of Bladwin county, our roofers are thoroughly prepared to deal with all the common headaches that Alabama storms can present for homeowners just like you.
While we restore your property to it's pre-storm condition, we will happily provide expert education and roofing insights to support many homeowners through their storm restoration process. By leveraging our well-trained eyes, we have helped plenty of homeowners in the past get all legitimate property damage covered by their insurance companies.
Contact Ethos today to schedule your FREE property inspection to get the most reliable roofing estimate in Mobile and Baldwin county.