DiRito's top 5 Things to know before Roof Replacement

Be prepared! Don't get stupid denied 

Today!

1. call your insurance agent to evaluate your policy
2. Make them sit down and show you all the weaknesses in your next claim
3. Do a make-believe claim to make sure you are getting  a full roof!
4. Full payment, Updated Building Codes, Recoverable Depreciation,  if and when you have a weather event. 

1. Do I have a Replacement Policy or an Actual Cash Value policy?
2. What is my deductible, you will have to pay that to your contractor. 
3. Does my policy pay for current building code requirements?
4. Do I have a roof schedule that is levied on me if I have a roof Claim?
5. Get a list of exclusions that may affect you if you have a roof claim?

Get the knowledge before you file, all the extras cost you if your insurance claims doesn't pay you. 

1. Avoid  "Free" Inspections, these are a time waster.   Nothing like Joe Blow gobbling up 2 hours of your life, just to get you under contract based on his spoken word, and you still know nothing about your roof. 
2. Nothing in Life is Free that has any worth.  If the opportunity presents itself, Get quality, professional, roof facts  about your home. 
3. Know more than the next roof adjuster! Be prepared when you have that big hail storm! They are ready to deny your claim so be bullet-Proof. Make sure you have dates, real pictures, and roof conditions as a  baseline before the hail hits. These mistakes can cost you a new roof, thousands, or a claim denial  depending on how much detail you request. 
4. A Quality, Professional Roof Inspection can provide you a baseline before a storm hits.  The Roof report  can include many quality documents like photos, video, rooftop examples, measurements, satellite data,  a current market estimate with estimating software, and pictures and data points to potential issues that may affect your roofs ability to protect you.
5. The Goal of A Roof inspection is to  offer you piece of mind,  knowledge, and a plan if there is problems.  It should allow you first hand quality information so you can make decisions over the next year. 
6. Call to find out more...

1. Trees - Did you know that trees that are laying on your roof my be a reason for a future denial.  As the wind blows and they get overloaded with snow or leaves, their movement across the roof removes critical granuals and can make wear marks and ruts on your roof. Don't risk a future denial, schedule a tree cleanup if your trees are ruining your roof.
2. Gutters - If your gutters are full, when you need them they can prevent drainage and allow the water and snow to ruin your eaves on your home.   Your Insurance will not pay for deck rot from bad gutters.  

Don't miss the opportunity to support your potential future insurance claim 

A. Do you have a good date of loss?

B. Did you take good pictures and the date of your loss or even video?

C. Did you grab a notebook and take some good notes with times and dates of the hail event?

D. Did you get pictures of your home and yard after the event, before you started cleaning it all up? 

E. Before calling in your claim did you make sure your insurance policy would provide you a good result? Have you opened a new location, redesigned your shop, or added a new product or service? Don't keep it to yourself, let folks know.

Anyone that steps on your roof should be an asset not a liabilty!

a. Do you have a reputable contractor?

b. Do you know if they actually have the tools in place to help you?

c. Do they have insurance claim software so they can speak the language of insurance to your insurance carrier?

d. Do they know the insurance process of claims, supplements, documentation and protocol?

e. Do they have a good reputation with building services in Fremont County?

f. Are they licensed in this location with insurance and bonding?