Maryland Storm Restoration Services
How to look for Storm Damage
After a storm, it is crucial for homeowners to check their roofs for potential damage. Climbing onto the roof should be avoided if possible, and instead, assess the damage from ground level using binoculars. Rain alone typically does not cause significant damage to a structurally sound roof, but when combined with wind, flying debris, and hail, roofs can be severely affected. Some signs of roof damage include missing shingles, visible granule loss, visible water infiltration, and loose debris. Additionally, hail and snow storms can also cause damage to roofs.
Comprehensive Damage Assessment
A damage assessment, or a storm damage assessment, is typically conducted following storms. On of our representatives will thoroughly inspect your property, capturing digital photos and delivering an estimate. We will then collaborate with your insurance company to ensure a smooth process.
A roof inspection consists of confirmation that your roof and its major components, including shingles, gutters, and flashing. If and of these items appear to be missing or damaged we will note this in our report.
The 4 Steps for the Roofing Insurance Claim Process
The roof is crucial in protecting your home from various elements, including strong winds, electrical fires, falling limbs, heavy snowfall, moisture intrusions, and pest damage. Homeowners insurance typically covers these risks, but insurance companies require a well-maintained roof. Older roofs might disqualify you from obtaining or renewing a policy. Assuming you have coverage, lets discuss the steps.
Signs of Roof Damage
Roof Depreciation
When calculating depreciation based on age, the process is relatively straightforward. For instance, let’s consider a roof that has a projected lifespan of 20 years, and it sustains damage when it is already 5 years old. In such cases, the roof’s value depreciates by 5% per year, resulting in a total depreciation of 25% in this particular scenario. It’s worth noting that when a claims adjuster assesses a roof, they take into account not only its age but also the overall condition of the roof.
RCV, also known as replacement cost value, is intended to cover the expense of replacing your belongings with brand new equivalents at their current market prices. On the other hand, ACV, which stands for actual cash value, only compensates you for the current value of your belongings, accounting for depreciation and wear and tear, prior to any covered damage.
Insurance Restoration FAQ
Each of our representatives are trained to thoroughly understand each step of the insurance restoration process. Before beginning any customer interactions, all representatives must go through in-depth insurance restoration process training along with developing a mandatory mentor mentee relationship that will be with them for the rest of their restoration career. To ensure the high level of standard we provide is consistent across all representatives, an emphasis on open communication and seeking out the answer is highly encourage.
- What, exactly, do you mean by that?
The insurance restoration process is complex and very technical. To completely understand the intricacies of this process, and which specialized parties are required for the various routes each claim can take, requires in-depth training and experience. All reps have access to the combined expertise of all Mid-Atlantic staff via their mentors and trusted leaders, if not already garnered themselves. - How do we compare to other Maryland roofing companies?
Mid-Atlantic Remodeling is a professional insurance restoration company. Many companies provide exceptional services that the customer has to pay for themselves. At Mid-Atlantic, not only do we build exceptional products, but we also have an in-depth understanding of the insurance restoration process and when to best utilize it. All homeowners get insurance for protection; we know how to best use the protection that you’ve already paid for. - Do you have any examples?
Absolutely! With over 1000 roofs under our belt, we’ve been able to increase our customers claims by an average of 47% percent. Every dollar increased was justified due to legitimate damages that were either missed or not included. That means work that would have otherwise been paid for by the homeowner at some point down the road. We take the time to go line by line for your bottom line. - Where can I see independent reviews of your past storm damage restoration work?
Don’t take our word for it, check out these google reviews!