Call insurance first, or roofer first?

Hello,

Based on a) the golf-ball sized hail that just pummeled my neighborhood for the last fifteen minutes, and b) the battered shards of wood shakes scattered around my yard, I'm guessing I have some degree of damage to my roof.What's the typical order of operations here? Should I get a professional roofer to check it out and assess the damage first, then submit a claim for the amount of the repair (or replacement...*)? Or do I call the insurer first? My concern would be the insurer doing their own assessment and handing me a check, then finding out later that the repair costs more than what they gave me. I think that answers my own question, but I've not done this before and would appreciate any previous experience.

Please help

I didn't find the right solution from the internet.

Thanks

If you have a local trusted roofer, call him to get on his list at 7am. He is going to be smokin busy soon and you don't want to be left going with somebody you might regret.

Whatever the insurance decides on their initial inspection is never final. Some roofers wait to get the adjusters bid first before writing their estimate, so don't be surprised to hear that. Look over your siding very well, but your adjuster should do all that. You likely have to get a lot of new window screens, garage door aluminum wraps, maybe even garage doors, etc..

What is your addre****Whoops.  I don't chase storms.

First of all, roofing, hail, and insurance is all a racket.  I empathize with any first time homeowner who has to go through this experience.  Golf ball hail isn't that bad.  That is, it is usually not catastrophic where roofs get covered with tarps to prevent further damage.

It is this marginal hail damage that causes all the problems with incompetent people chasing their tails and storms.  If you are worried about getting insurance to pay for any and all the damages, don't because there is an army of folks you can hire to put the screws to your insurance.  The biggest problem is going to be finding competent people to do the work.  If you know a roofer, pay him to inspect the damages.  Always hire a local guy and don't try to game him.  Whatever he charges to do the roof, the insurance will pay.  You just have to pay the deductible.  My experience has been that insurance adjusters are pretty lenient.  What out for roofers who sub out the work or hire a bunch of day laborers to do the work.  There is just too much easy and fast money.  If they carry liability insurance, get a copy of their policy.  An insurance salesman once told me that even though the roofer did crap work, they are covered.  Since the statute of limitations is ten years for latent defects, I suppose you can sue them if your roof starts falling off.  And I have seen that happen.

Hire a public adjuster, his fee will be more than absorbed in the additional coverage he finds for you. I am a licensed PA, although I only do commercial roof claims in Texas and Kansas.

The claim game is set up to screw the insured by default. Here is just one example. Adjusters use Xactimate software which is set up to short change the insured. Hypothetical 30 SQR roof, Xactimate pays a DMO (demolition trade labor rate) to tear off the roof of $1020. As we know, roofers will tear off the roof, not a demolitoon crew, thus the adjuster needs to be forced to pay a RFG rate which will pay $4078. That is just 1 line item! That 1 item alone adds 3 times the PA's fee.

Natty is right, it is a racket. The insurance industry has rigged the game to make it illegal for a roofer to discuss the most important aspects of a claim with an adjuster. Only a PA, attorney, or engineer can dig deep into areas of policy to get you paid what you're owed.

So why would a roofer use a PA and pay 10% off the top of the settlement? Because he will often turn a $50,000 settlement into a $250,000 settlement. More than once the adjuster offered zero, and I got them to over $500,000.

According to me you should call for an insurance company, as if the roof is resting to replace fully then it must be require high cost that can get covered by an Insurance company. The insurance company will fill up the damage caused by flood or wind, if you have already had an agreement with them for fire/flood/water damage Glendale. If an insurance agency is denying the fact then you can even contact to public adjusters like Alliance public adjusters.