Though some roofers are more out-of-town storm-chasers trying to sell roofs in storm-affected areas, Love Roof Co. is different as we are a local business working in our backyard. Our team is not selling anything! Every roof inspection we offer in neighborhoods we work in is FREE and completely for the benefit of YOU, the homeowner.  Many times, people don't even know that there had been a hail or wind storm and that their roof was damaged. 

Love Roof Co is different. We specialize in Storm Damage detection and work hand-in-hand with your insurance company to verify storm damage to collateral as well as the roof.  Even though many contractors have roofing as part of their portfolio of kitchen or bathroom remodels, roofing isn't something we do to fill our calendar. Trust your home to an experienced roofer that knows what to look for to get your roof fully-approved. At the end of the day, it's a free second-look at your roof to potentially get a new roof and our team will be up-and-down in 15-30 minutes with pictures of any damage we might find.

• Love Roof Co. is fully insured and if required, licensed and bonded. We are experienced climbing roofs, identifying storm damage. You are in the best hands!

If you are blessed to be a referral or reside in a neighborhood we are actively working, YES! The inspection is completely free. If you are requesting a re-inspection for a roof that has already been previously denied, we may request compensation for expense of inspection which would involve the initial inspection and then the official re-inspection with the insurance carrier. If the roof gets a full approval and you choose to work Love Roof Co, the inspection cost would be credited towards the cost of the job.

An free inspection holds no obligation if there is no damage. There will not be any back-door fees . If we see damages and you agree to file a claim, but insurance does not approve the full roof, you are also not obligated to work with us. If you do get fully-approved, we do ask that you give Love Roof Co. the opportunity to do the work as we have put in all the work to get you this far and this is how we feed our families. This would be a Contingency Agreement.

Of course! If we find interior water damage, tree fall damage, or any other damage that might further damage the house prior to an adjuster inspection, we will communicate our findings and give you the option of having our team make temporary repairs until your insurance can inspect it, or allow you to hire another company to take care of the damage. There will be no bill directly to you, we will make the repairs and file it with your insurance and request them to pay for it as part of the overall storm damage claim. 

This one is tricky... You could legitimately not have any storm damage even though your neighbors did. Reasons incliude:

• • Age of the roof - If your neighbors have older roofs, they become more brittle and don't handle storms as well as a younger roof.

  • Pitch of your roof - If you have a steep roof, it will deflect hail better than a low slope roof.

  • Storm Direction - If your roof aligns with the direction of the storm, your neighbors roof that is broadside to the storm would receive the most damage.

  • Bad Inspection - Sometimes damage IS missed in an initial inspection and if you notice collateral damage around your property, like dented gutters, downspouts, window wraps and damaged siding, I would seriously consider contacting an experienced roofer for a re-inspection! 

If your inspection goes smoothly and there is no damage, there is no need to file a claim. If our team finds damage on your roof, it is up to you to file a claim. It doesn't have to be done on-the-spot, but it should be done in a reasonable amount of time to stay within the insurance parameters for the storm date. It's never a bad idea to take a day to research roofers, insurance claims processes, and what you feel is the best fit for you and your family.  If there is damage that requires immediate attention, you can still work with our team before having filed a claim. 

State Farm is not the worst. Unfortunately they have a bad reputation in the homeowners claims side of insurance because they are the largest insurance company and therefore have some of the highest standards of what qualifies as storm damage. This is only a frustration to contractors that are storm-chasing and trying to file "maybe damage" claims. State Farm adjusters can see right through that. When you work with a roofer, pick an experienced roofer with a track-record of success with insurance companies, including State Farm, and who know what the adjusters are looking for. When you know what they want to see, it makes the claims process very simple. Our experienced team looking to get you the BEST roof for the BEST price.

There are two types of claims that insureds can file:

• • • • Act of Man - Property Damage due to negligence of one or more parties. Insurance can raise your rates if you drive your car through your garage door. Insurance companies are very excited to help you file these claims because it's guaranteed revenue for them and increased premiums.

      • Act of God - Property Damage due to Natural Disasters such as Tornado, Hurricane, Flood, Wind, Hail. Insurance cannot raise your rates for filing a claim. However, whether you file a claim or not, your zip code's rates will inflate to account for the fact there was a storm in that area. So if you have verified storm damage, it would be in your best interest to file a claim and request an adjuster come inspect your home.

If the damaged property claim is an Act of God (see previous Q/A), the insurance company cannot use this as a reason to cancel or not renew your policy—unless, the insurance company can show that you failed to take reasonable necessary action as requested by the carrier to prevent the damage.

• • • • If you had a dead tree hovering over your house that a light gust of wind would topple. Insurance would argue it was your responsibility to maintain the tree. OR, if your pipes burst because you didn't drip the faucet in 0*F outside temperature or didn't turn your heat on. Insurance would argue it was your negligence that led to the pipe bursting and not specifically the cold temperatures.

      • If your home experienced a tornado one month that knocked a healthy tree into your garage, then a hail storm the following month damaged your roof, that would be completely out of your control and insurance would have to accept both claims. 

Of course! Our team assists on claims calls regularly. We are experienced with insurance questions regarding roofing and storm damage concerns. We will work with you through the entire process.

It is helpful to know your Policy #, but that is not required. Most insurance companies can reverse search you by your Name, Phone #, or address.

It is helpful to know the exact time of the storm, though we generally provide that information for you. Date, Time, Hail/Wind, Areas damaged, etc.

After filing your claim, an adjuster will likely be assigned within 1-3 business days. They will then either:

• Schedule directly with you a Day/Time for your Inspection

• Connect you with an Independent Inspector, who will schedule a Day/Time for your inspection.

Either way, please communicate that information with our Team so we can have someone present for the inspection. 

You do not need to be present for the appointment unless you have interior damage you would like to show the adjuster. As long as you communicate with our team, we will be with the Adjuster for you.

Independent Inspectors are common. Many adjusters are not capable of climbing on a roof, either for health concerns, physical ailment, or company policy. When an Independent is scheduled to come to your roof, it adds a layer of communication and it is very important that our team meet with them. If they do not see the damage, they will communicate "no damage" to the adjuster, who did not see it for themself and the claim will get denied. Best practice is to communicate with our team and ensure that we are present for the appointment. 

It's very common for clients to get upset with Independent Inspectors who do not vocalize their findings, or lack thereof. This is unfair because the Independent legally cannot make that decision. Many times, their recommendations are overturned and homeowners that expected a new roof are throwing the Independents under the bus demanding insurance pay their claim because the independent said he thought it would be approved. As a Best Practice, most Independent Inspectors no longer share their opinions, moreso to protect themselves as they are not the ones making the decision. That still falls on the Adjuster. A best practice would be to communicate with our Team and let us know of any communication with the inspector and/or adjuster so we can fight on your behalf, if needed.

There are multiple reasons why an Adjuster would deny a claim that has storm damage:

• Incorrect Storm Date - If there was no storm on or around the date reported, an insurance company can deny even if there is clear damage to the property.

• Statute of Limitations - The damage is from a storm date that is no longer valid for an insurance claim.

• Incorrect Category - If the damage is predominately hail and filed for wind, or vice versa, the insurance company may deny and request that you refile the claim.

• Strict Requirements - This is the pickle that many homeowners find themselves in with larger carriers. There may be hail damage to your home, but no drastic enough to justify the insurance company paying out on it. This is a slippery slope because in 3-5 years that damage will have gotten worse, but would be outside the statute of limitations, as well, the house next door with identical damage and a different insurance company may have paid out. 

The best practice is to communicate with our team Bad News as well as the Good. Many times a denial or partial approval is just a stepping stone to reinspection or supplementation for full roof approval.

First off, CONGRATULATIONS!! Upon notification that your claim has been approved we will need to await the:

• First Check (Total Value of the Claim - Deductible - Recoverable Depreciation = Materials and Labor First Check) 

• Scope of Work. (This is an invaluable piece of the puzzle, because more often than not, there's no way to know what all the insurance company is actually paying for and identifying if they're underpaying the claim without an itemized breakdown of what the Total Claim includes.

Once you receive those two items, we will schedule a Contracting Appointment. We will confirm the scope of work to be completed, payment will be exchanged, build date will be set, and materials will be ordered) This includes Shingle Style, Color, Drip Edge Color, Gutter/Siding Color (If applicable)

As answered in the previous question, first check and scope of work are all the will be required. Our team will provide samples and displays of all materials we will be installing and we will work together to finalize a game plan to get you the best roof!

It is extremely common for the first check to be much smaller than the cost of the whole job. Insurance withholds:

• Deductible - This amount must be paid by the homeowner to Love Roof Co.

• Recoverable Depreciation - This amount is held back by the insurance company until the job is verified complete and then released in the final payment.

• Non-Recoverable Depreciation - Actual Cash Value (ACV) policies are known for having non-recoverable depreciation withheld from their claim. This amount is the based on the age of the home's roof.

Depending on the type of policy that you have:

• Replacement Cost Value (RCV) policies have Recoverable Depreciation - This amount is held back by the insurance company until the job is verified complete and then released in the final payment.

• Actual Cash Value (ACV) policies have Non-Recoverable Depreciation withheld from their claim. This amount is the based on the age of the home's roof and does not get released in the final payment.

Unfortunately we cannot waive deductibles. This is as standard as a Medical Co-Pay. When we send our Certificate of Completion and Final Invoice to your insurance carrier, we are confirming that we have received the deductible. We understand there are shady contractors out there that will inflate numbers to the insurance company, but that would conflict with one of our core beliefs of having Integrity in our business. 

On the plus-side we have multuiple ways to help you offset your deductible:

• Partial Payment - Break up Deductible. Half at the beginning of the job and half at the end.

• Financing - with Love Roof Co. Service Financing

• Referral Fee - (This is my personal favorite) Love Roof Co. has an aggressive referral program. For every referral that leads to an approved roof, we give a $100 - $300 Referral Fee.

• ACV Credits - Actual Cash Value (ACV) Credits of aspects of the job you opt to not complete, are the equivalent of money in your pocket.

  • NOTE - If your Roof and Gutters are approved, but you opt to keep the Gutter ACV Credit, you are forfeiting the Recoverable Depreciation and you will not be able to file a claim against the gutters in the future with the next storm.

First off, CONGRATULATIONS!! Even a partial approval is still an approval and it opens the door for more conversations including:

• Request for Reinspection - The adjuster may approve a reinspect if justified.

• Submit for Full Approval - with documentation and the adjuster may approve based off our estimate.

• Out-of-Pocket for the Balance - If neither option bears fruit, the less ideal option would to pay Cash/Check/Card.

  • • Financing - Available with Love Roof Co. if credit is eligible for prime interest rates up to and including 0%

• Legal Recourse - You always have the option of pursuing restitution from your insurance company and we have legal referrals we work regularly if you wish.

Build date will be set for the next available date:

• If this is a December - February appointment, we may be delayed due to sub-freezing temperatures or precipitation. 

• If this is a March - November appointment, we are likely 1-2 weeks out and build date will only fluctuate due to precipitation, to which you would get moved to the following day.

• Roof Removal and Replace is generally 1-2 days, weather permitting.

• Gutters, if included in the scope of work, would be scheduled after the roof is completed and siding after gutters. Each takes 1-2 days.

• Window Screens, Glass, Shutters, miscellaneous will be completed along side Roof, Gutters, Siding. The longest part of these is shipping materials out for repair and waiting for them to return which can take 5-10 business days.

• Ideally everything is completed within two weeks at which point we will send a Certificate of Completion (COC) to the Insurance requesting final payment of remaining balance in addition to any supplements.

Materials arrive the day before the build. If your build is scheduled for a Monday or Holiday, however, your materials will be delivered the Friday before as Supply Houses do not deliver materials on weekends or holidays.

In the warmer months, the crew arrives at 630, preps the home perimeter, and starts removing shingles between 7-8 am.

In colder months, the crew arrives at 730, preps the home perimeter, and starts removing shingles between 8-9 am.

Absolutely not. Love Roof Co. only hires and pays individuals that have legal working status in the United States. This is both an ethical policy and financial responsibility, as we would not be able to claim payroll to undocumented/illegal immigrants.

Of course! Our team is dedicated to your relationship from beginning to end and most of us are bi/tri-lingual. If you ever have an immediate concern and don't want to walk outside into a heavy construction zone, please give us a call directly and we will communicate with our team without you even having to put on a coat.

Build date will be set for the next available date:

• If this is a December - February appointment, we may be delayed due to sub-freezing temperatures or precipitation. 

• If this is a March - November appointment, we are likely 1-2 weeks out and build date will only fluctuate due to precipitation, to which you would get moved to the following day.

• Roof Removal and Replace is generally 1-2 days, weather permitting.

• Gutters, if included in the scope of work, would be scheduled after the roof is completed and siding after gutters. Each takes 1-2 days.

• Window Screens, Glass, Shutters, miscellaneous will be completed along side Roof, Gutters, Siding. The longest part of these is shipping materials out for repair and waiting for them to return which can take 5-10 business days.

• Ideally, everything is completed within two weeks at which point we will send a Certificate of Completion (COC) to the Insurance requesting final payment of remaining balance in addition to any supplements.

When the work is complete, our team will submit a final report to our admin office, our admin team will generate a Certificate of Completion, Final Invoice including any supplements that may have been incurred, and we will send that off to your insurance. Within 3-5 buisness days, your insurance company should mail or direct deposit the remaining funds to you. At that point, we will meet again and settle up what is left to be paid to Love Roof Co.

Our team tries to make this as smooth an experience for you and we will take care of everything for you. The only assistance we may occassionally require is following up with the adjuster to keep the ball rolling, as you are the Insured/Policyholder, some insurance companies will only speak to you regarding the claim.

It's very common for final payments to be more than initially expected. The reason is, ice damming, nail pops, missing shingles, and any other water damage or blunt force trauma to decking boards that might require decking boards to be replaced, or code items such as Ice Water Shield and Drip Edge are regularly missed by adjusters or withheld in Recoverable Depreciation. Other times, satelite images measuring the dimensions or the home are obstructed by trees and we are left short on materials for shingles or gutters. It is always itemized in the final invoice to the insurance company and they expect it. This is a normal process called, "Supplementing." Many times the adjuster already knows decking boards are bad when they walk the roof, but they cannot pay for what they cannot see, so we have to take the shingles off before we can calculate the additional material that will be needed for the job. Insurance is not going to make us wait for them to review documentation, they will preauthorize us to complete the work we deem necessary, properly document it, and in the end correct the final invoice to reflect the additional work completed. 

This is not anything you need to worry about and will never be an additional out-of-pocket expense for you, the homeowner.

That said, any additional requests to the Scope of Work that is not approved by Insurance would be communicated before work starts if there are other projects around the house that would not be storm damage related and therefore an out-of-pocket expense. 

Love Roof Co. is proud to offer a standard 10-year Warranty on full Owens Corning roof system installations which includes Duration Shingle Lifetime Limited Warranty. 

That said, let's be honest. We live in Indiana. Your 50-year shingle is likely going to be replaced again in the next 5-15 years with another major storm. So stay in touch with our friendly team so we can take care of you next time as well!