When a homeowner is looking to repair or replace their roof, getting an roofing estimate from a professional contractor is an essential step. A roofing estimate will be able to give you an idea of the work that needs to be done on your roof and the projected cost of the material and labor involved. Though, if your roof has been damaged by a storm or other related event, your homeowner’s insurance may cover the cost of your roof replacement or repairs.
WHAT TO EXPECT FROM AN INSURANCE ESTIMATE
In order to determine the amount of damage done to your home and the cost of the repairs, your insurance company will send out an adjuster to inspect your roof. Below are the tips of what course of action to take and what to expect from your roofing estimate:
– Contact Your Insurance Company – It is important to contact your homeowners’ insurance company as soon as possible after your roof has been damaged. Your insurance company will send out an adjuster to your home to assess the damage to your roof and provide a scope of work for any damaged facet of your home.
– Ask Questions – During the adjuster appointment, ask the adjuster any and all questions that you may have regarding the insurance process or the estimate that they will write up for the damage caused to your home. They will be able to provide a comprehensive breakdown of the payments that will be made out to you and what steps you should take to get your roof repaired or replaced.
– Get a Second Opinion – It is always a good course of action to get a second opinion when it comes to major home improvements like replacing your roof. If you decide that you aren’t satisfied with the estimate that your homeowners’ insurance has provided you, you should consider obtaining another roofing estimate from a professional roofing contractor to compare costs.
– Hire a Contractor – Once you have been provided your estimate from your homeowners’ insurance company, you will need to choose and hire a professional roofing contractor to perform the roofing repairs or replacement to get your home back to pre-storm conditions. When choosing a contractor, it is important to make sure that they have the skill and knowledge to perform the work to your home, and make sure that they have a good reputation with other homeowners. Don’t be afraid to ask for references!
– Work with Your Insurance Company and Contractor – Your homeowners insurance company and contractor will work seamlessly together to make sure that you are taken care of and the roofing repairs or replacement on your home are completed as quickly and effectively as possible. It is important to keep communication transparent and open between you, your insurance company, and your contractor to ensure a smooth and painless insurance claim process.
Getting a roofing estimate and scope of work from your homeowners insurance company can be a daunting process, but it is imperative in getting your roof repaired and replaced and having your home brought back to pre-storm condition. By working tight knit with your insurance company and a professional roofing contractor, you can be rest assured that your home and property is protected and that the repairs or replacement are done to your satisfaction.
WHAT TO EXPECT FROM GETTING A CASH BID ESTIMATE FROM A ROOFING CONTRACTOR
If you are needing your roof repaired or replaced but your homeowners insurance company has denied your claim, don’t be discouraged! You can still contact a professional roofing contractor to give you a cash bid estimate, though this will need to be paid all out of pocket. Once you decide on and hire a contractor, they will perform a roof inspection and in turn, provide a roofing estimate. This estimate will give you a good idea of the work that will need to be completed on your property, the projected cost of the materials and labor involved, and approximately how long the project should take. Here is what to expect from this process:
– Inspection of Your Roof – Upon hiring a roofing contractor for your project, they will first need to inspect your roof for any damage and determine the scope of work that will be needed to properly restore your roof.
– Materials and Labor Cost – Your estimate provided by your hired contractor will provide you with a good idea of the costs associated with your roofing project. These costs will include materials and labor and will depend on the size and complexity of your roof and the type of roofing material you want to use. Different roofing materials will vary based on the quality of the products such as asphalt shingles, metal, or tile roofing.
– Details on the Scope of Work – Your estimate will include details on the scope of work that will need to be performed in order to restore your property correctly. It will outline the extent of the repairs or replacement that your roof will need, details on if you will need a full decking replacement, and any additional work that may be required to sufficiently protect your home.
– Payment Terms – Your estimate will also include the payment breakdown for the scope of work to be completed. You and your contractor will agree on a payment schedule, including a deposit and the final payment amounts according to your contract.
When receiving a cash bid estimate from a roofing contractor, it is important to review the terms and conditions, the scope of work to be performed, and the associated costs and payments involved. Don’t be afraid to ask the contractor any questions, ask for clarification regarding points that you aren’t understanding, or talk freely about concerns that you may have.
Here at Excel Construction Group, we have 27 years of working side by side with insurance companies to get your home back to pre-storm condition. We work seamlessly alongside the assigned insurance adjuster to provide the homeowner with professional work and repairs that we are proud of. We also provide free estimates for cash bid work and pride ourselves for not overcharging for the work that you and your home need. Contact us for a FREE roofing inspection so we can spot any potential issues your home may be facing.
Also Read :
Signs a Roofing Contractor Is Ripping You Off
Benefits of Hiring a Professional Roofing Contractor