Is your roof repairable?

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When you sustain damage to the asphalt composition shingles on your roof, there are some things to consider when determining whether or not the roof can be repaired. In many situations, the insurance company chooses to pay for an individual shingle repair to a wind or hail damaged roof.

If the shingles are fairly new and the roof is well ventilated, the shingles are possibly pliable enough to perform a proper repair. Often times, due to the age and brittleness of the shingles, a proper repair cannot be completed. For every shingle replaced, the shingle directly above it will be damaged and this will keep going throughout the slopes of the roof. Therefore, an “industry standard” repair is not possible and a full roof replacement is warranted under your homeowners policy.

Also, due to the age and fading of the shingles over time, there would be a gross mismatch in color. Before you accept a subpar repair from your insurance carrier, contact Your Private Adjuster for a free consultation. 

Bottom line is this - Polices are tricky. Be sure to call us for free to review how we can help you in the event you have damage.
 


KEY REMINDERS FOR PREPARATION
Remember, as a storm approaches, your insurance will pay for the damage you have to your home or business, call Your Private Adjuster first to get as much as possible for your claim.

Your Private Adjuster is the nationwide expert in the claims process for cast iron pipe damage, disaster recovery and fire damage for both commercial and residential properties. Don't settle for less than what you deserve. 

Understanding Tree Coverage: Key Items to Know

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Most wind insurance polices DO NOT provide coverage for trees, plants or shrubs.  They DO provide coverage for removal ONLY in the following instance:

They don't cover the tree, but they do cover the structure. Therefore, the policy owes the full cost to get the tree off of the structure and lay it in the ground.

Once it is on the ground there is typically a limit of around $500 to cut it up and haul it away.

It is important to know this so that you take pictures of all the places where trees are on the structures. It's also important that tree companies break up the invoice and separate the cost to remove vs. the cost to cut up and haul away. 

More importantly, if they can use equipment to take off and throw the tree debris away in one sweep (like a crane) - that total cost would be covered. With being the case, you would not want to allow the tree company to set it on the ground and wait for the carrier (as that would mean a greater out of pocket cost down the road).

Bottom line is this - Polices are tricky. Be sure to call us for free to review how we can help you in the event you have damage.
 


KEY REMINDERS FOR PREPARATION
Remember, as a storm approaches, your insurance will pay for the damage you have to your home or business, call Your Private Adjuster first to get as much as possible for your claim.

Your Private Adjuster is the nationwide expert in the claims process for cast iron pipe damage, disaster recovery and fire damage for both commercial and residential properties. Don't settle for less than what you deserve. 

TOP 3 MOST IMPORTANT THINGS PROPERTY MANAGERS CAN DO TO GET READY FOR A STORM:


1. Take and Store Images: Designate a board member to take digital pictures off all the buildings- all 4 sides showing the roof to the ground. Make sure they are saved in a remote cloud (dropbox, google drive, icloud, etc.) that can be accessed by other members of the board if needed.

2. Save Critical Phone Numbers: Feel free to put YPA's number in your phone 1-800-892-1116.  As a public adjusters we have longstanding relationships with contractors and water mitigation vendors. We can get you to the top of the list with emergency services for roof tarping and dry out. 

3. Plan of Action: Review your action plan with your board. If the storm hits including calling Your Private Adjuster first. Address things like opening gates if power goes out, what to do with debris removal and be sure to send your insurance polices to all board members. 

KEY REMINDERS FOR PREPARATION
Remember, as a storm approaches, your insurance will pay for the damage you have to your home or business, call Your Private Adjuster first to get as much as possible for your claim.

Your Private Adjuster is the nationwide expert in the claims process for cast iron pipe damage, disaster recovery and fire damage for both commercial and residential properties. Don't settle for less than what you deserve.