Storm Damage

Disaster Relief Program

Almost 50% Of Businesses Affected By A Natural Disaster Close Temporarily, The Ones That Don’t Almost Always Have An Emergency Preparedness And Response Plan In Place.

According to insurance adjusters the greatest cause of damage after a disaster is the loss of the structural integrity of your roof. This is when you are completely exposed to the elements. You need to get your building watertight and functional as soon as possible. Plus your temporary roof system must be able to hold up for the entirety of the insurance claim process.

Rocky Mountain Roofing and Restoration has developed a Response Plan that eliminates the 3 main roofing problems people face when disaster strikes.

Here are the three major roofing problems companies and institutions run into after a disaster that need to be covered in their Emergency Preparedness and Response plan:

1) Slow Response Time: Most companies have a local roofer that they work with, but in the event of a disaster they tend to be short on manpower and equipment. They also tend to be overwhelmed by the amount of work. We have developed a program that solves this problem for you.

2) Loss of Functionality: Two commons solutions following a disaster are to nail down a tarp, which is not water tight and will not protect your property. The other is to shrink wrap your building, although it is water tight it’s a poor solution, because it effectively stops all your roof top functions: Plumbing soil stacks, Rooftop HVAC units, and Heat Stacks. Our program has a water tight solution and your building keeps its functionality.

3) Durability: Even though it’s a temporary roof system you need it to hold up for the entirety of the insurance claim process which can take up to a year. We provide a one year warranty on our temporary roof systems.

When disaster strikes and damages your roof, time is critical. Our program is designed to provide you Priority Response by having professionally trained crews, specialized equipment, and materials waiting outside the danger zone ready to act immediately. Our crews will inspect your current roof and assess any damages and perform an emergency “Dry-In. “ This is a water tight roof system that will allow your building to keep it functionality. Best of all there is no cost to become a member of our program.

For more information on developing an Emergency Preparedness Plan for your business beyond your roofing, check out FEMA’s website for a ton of great information. http://www.ready.gov/business

- How to Spot Damage
- Reporting A Loss
- File a Claim
- Insurance Adjusters
- Avoiding Roofing Scams

How to Spot Damage

Residential roofs in our area generally last anywhere from 15 to 30 years, depending on the quality of roofing materials originally installed, how well the roof was installed, if the chimney is properly flashed, or whether the roof has been subject to storm damage.

Sometimes an issue can be rectified with a fairly straightforward roof repair. At other times, a larger issue is evident and it may require a full roof repair. It’s always best to get the opinion of a professional, reputable contractor like Rocky Mountain Roofing and Restoration, Inc. The key is to take action before a small problem becomes a larger problem.

The one thing we recommend you NOT do is to attempt to walk on the roof yourself. Leave that to a qualified roofing professional like Rocky Mountain Roofing and Restoration, Inc. to climb your roof, take photos, and give you a complete and accurate report.

We can summarize most roofing problems to these five situations:

1) Interior Water Damage: If you see water spots on your ceiling, call Katchmark right away. What most people don’t know is that ceiling spots typically don’t happen overnight. There’s an underlying situation that’s been building up over time. Delaying any action can only worsen the problem, so call us for a free and informative, detailed inspection and we will help you understand the situation.

2) Flashing, Vent Caps or Gutters Damaged: Soft metal can be easily damaged by storms. Check roof vents, skylights, flashing, metal valleys and any other soft metal on the roof. Soft metal damage will not only show signs of hail, but may also indicate the size of the hail that damaged the roof. Give Rocky Mountain Roofing and Restoration a call to take a first-hand look.

3) Missing, Torn Shingles or Bruised Shingles: When big enough, hailstones can cause circular bruising around the hit itself in a half-moon or full circle shape. This sort of bruising indicates larger hail and a shingle that has been damaged, causing the shingle to fail prematurely over time. Missing shingles means that water from rain or snow can penetrate your roof and reach inside your home. It might reach the attic first and then the highest floor (See “Interior Water Damage”). Any one of these instances should prompt a call to Rocky Mountain Roofing and Restoration.

4) Loose Granules: Check for missing granules that have exposed the substrate, or black layer underneath them. The substrate exposed should look fresh, or not as if it has been exposed to the sun for an extended period of time. This will indicate new hail damage as opposed to anything preexisting. Let us get a good look and give you our professional recommendation on what to do.

5) Siding Damaged: Typically, if you have suffered damage to your siding, the damage will only have been sustained to one or two elevations. This is because a storm generally travels in a singular direction. Still, within any given storm, winds can swirl in any direction, so one storm can actually affect all sides of a given home. Call us and let us take a look.

Reporting A Loss

Rocky Mountain Roofing and Restoration’s insurance claim specialists are fully trained and experienced. Our team is comprised of professional experts in various roofing systems, renovation work, exterior siding, gutters and restoration work. We will make periodic inspections during your restoration process giving you the satisfaction of meeting your quality assurance.

Rocky Mountain Roofing and Restoration’s 1st step is performing an analysis and assessment of the damages. The next step would be securing a claim with your insurance company and providing the necessary information that justifies the claim thus building a strong foundation on which the renovation project can proceed. This support program allows Rocky Mountain Roofing and Restoration to assume the role of the facilitator. We assist you with your claim until it is finalized with your insurance company.

Rocky Mountain Roofing and Restoration is YOUR ADVOCATE in completing your insurance claim.

We believe in total involvement with your restoration project from the early stages of evaluating your damages, through the procurement of materials, roofing/siding replacement and during the warranty period.

Process of Filing a Claim
Contact your insurance representative and file a claim for your storm damage.
Your insurance company will schedule a date and time to have one of their adjusters visit your home or business in order to inspect for damages. Remember to write down your adjuster’s name and telephone number.

The most important step is to contact your Rocky Mountain Roofing and Restoration representative so we can be present during the inspection.

In our continuing efforts to make your claim process simple, we have provided a direct link to your insurance companies claim center. Once your claim has been filed, let us know when you insurance adjuster will be coming out. We will meet them and work on your behalf to ensure your property is cared for like our own. Please let us know if your insurance company is not listed and we will provide you with their contact information. click here

File Claim

File property claims quickly and easily, and get on your way to restoring your property and making repairs. File your claim by clicking on the following link that corresponds with your insurance company. If you don’t see your company below, please contact us today.

Insurance Adjusters

The duty of an insurance adjuster is to give you an accurate accounting of everything that was damaged by the storm and a written estimate of what it will cost to put your property back to the condition it was in prior to the storm. Remember, this is only an estimate and actual costs may vary. This is easily resolved between the adjuster and the contractor. In any case you are going to be liable for the amount of your deductible and no more. The adjuster will either leave you a statement of loss or you will receive it in the mail in a few days. The statement of loss will itemize your losses, and the estimated cost of repair for each.

Most home owner policies are replacement cost and will pay that amount even though the actual cost may exceed the adjusters estimate. The loss statement will reflect the replacement cost value (RCV), the depreciation, and the actual cash value (ACV) of your loss. The (ACV) column of the statement will reflect the amount of your first check minus your deductible. The depreciation column should be called the deferred column as it reflects the money held back by the insurance company until the work is complete and an invoice is submitted by the contractor for payment. The insurance company will then issue another check to you for the exact amount between the final bill, and (ACV) portion of your first check relating to that particular repair.

The (ACV) and the depreciation columns of your statement will total up to the (RCV) column of the statement. Insurance companies hold back money to track whether or not repairs are made and to insure that they pay no more than the replacement cost of the damage. Most insurance companies send catastrophe teams into storm situations, and the adjusters come from all over the country to work the claims. Although most are well trained and experienced some are not, and would not know hail damage if it hit them on the head. In any case, the adjusters are representing the insurance companies and it is the company’s interest they are hired to protect.

For that reason, they will tell you to get estimates to repair the damage, most will not tell you that you are spending your time shopping for the insurance company, as they have held out money as depreciation and will pay only the (RCV) for the repairs. As time goes on many homeowners will realize that it is reputable companies like Rocky Mountain Roofing and Restoration that are actually looking after their interests in the repair process.