Frequently Asked Questions
WHAT IF THE ADJUSTER DOES NOT APPROVE MY ROOF FOR REPLACEMENT?
NO PROBLEM! In Texas, we have very good laws to protect policy holders. In the event that you are underpaid or denied coverage, you have FREE access to a legal team!
We have had outstanding results referring our clients to an attorney that specialize in insurance litigation. Historically, their vast knowledge in this particular niche yields outstanding results.
There is NEVER an out of pocket expense for seeking legal counsel. In fact, they don’t even take a percentage of your settlement. Rather, they bill their time and expense to your insurance company on top of the dollars you need to make 100% of your repairs!
Even if they are unable to secure a settlement, the service is still completely FREE to policy holders. If you decide to reach out for legal counsel, there is NO scenario where you would ever have to pay an out of pocket expense.
Remember, until a larger percentage of denied policy holders exercise their right for legal counsel, the insurance company will continue to wrongfully deny coverage to other policy holder’s insurance claims.
If your claim has been denied coverage, or underpaid, please consider seeking legal counsel.
WHAT DO I NEED TO DO TO PREPARE FOR THE FIRST DAY OF ROOF REPLACEMENT?
• Move your vehicles out of the garage/driveway THE NIGHT BEFORE. Materials will be dropped off, in your driveway, between 6am and 10:30am. When the crew arrives, we need to get trucks, dump trucks, and dumpsters in your driveway, right up next to your house. Once we are in place, it will be very difficult for you to move your car.
• Your driveway. The morning we arrive starts with getting the dump trailer situated next to the materials in the driveway.
• Expect us very early the day of your job. Unless we tell you otherwise, we will arrive around 7:00-8:30am. We need to take full advantage of the daylight.
• Provide us access to electrical outlets. An exterior outlet is perfect. However, if you do not have one, we will need to run a cord through your door, garage, or window.
• Roofing work is loud. You may want to make plans to be out of the house during working hours to avoid these loud sounds. Pets are especially sensitive to this noise. Please make plans to take your pet with you, or make other arrangements for them; especially if they are nervous during thunderstorms. For their safety, pets should not be in the back yard during roof installation.
• Satellite dish. Your satellite dish will be removed during your roof replacement. We will reinstall the satellite dish. However, it will be your responsibility to have your service provider realign your dish after roof completion.
• Air Conditioning Lines. In some cases, air conditioning lines in the attic are attached to the underside of the decking, or along rafters. Weather Event Specialists cannot be responsible for any damage that may occur to these lines in the attic. When possible, we will inspect the attic in an effort to avoid this problem.
• Many homeowners don’t consider that having work done on the roof outside can affect what’s going on inside. Persistent hammering and multiple people walking above can cause your home’s structure to shake. We ask that you remove any items that may be susceptible to falling or breaking (photographs, art, hanging objects, vase on an unsteady table, etc) especially on the 2nd floor.
• Clean up. Every roof, on average, has about 10,000 nails. At the end of every project we perform a magnetic sweep, but we may not be able to pick up every single nail. Mowing grass the day before the project makes clean up much easier.
• Special Requests. If you have any special requests, now is the time to notify us. Most roofs are installed in one day.
• Questions. You can always call or email the President of Weather Event Specialists, Brian Allmand, with any questions you may have at 940.224.0995 or WeatherEventSpecialists@gmail.com. Rest assured that each job will have an on-site field manager, Olivia Elledge. As well as, an on-site roofing foreman.
OKAY, I HAVE ROOF DAMAGE. WHAT’S THE NEXT STEP?
• Choose your roofer. There is a considerable amount of expertise, time, effort and money that goes into getting a roof approved for replacement by your insurance company. It is important that you choose your roofer before you call in a claim. Weather Event Specialists are happy to handle the entire process! All we ask, is that if we meet with your adjuster and get your roof approved for replacement, we are awarded the roofing job.
• Call your insurance company. We have included a claim filing check list in your folder to help you keep track of everything! First, find your policy number on your most recent bill or policy. Locate the 800 # for calling in a new claim. Call your insurance carrier and fill in the blanks on your checklist.
• Call, Text or Email us the time and date of your adjuster meeting. The adjuster will give you a specific date, and a time window (i.e. 11am-3pm) for when they expect to arrive at your house. When you have this information, it is important to let us know as soon as possible so that we can save you a spot on our calendar.
• The Adjuster Meeting. Weather Event Specialists will meet with your adjuster. We will compare notes on the roof, point out hidden damages, and make a case for TOTAL roof replacement vs the repair that they are hoping to get away with.
• After roof replacement approval. After we have gotten your roof approved for total replacement, the adjuster will create an estimate and will issue a first check. This check may be made out to you AND your mortgage company. If this is the case, you will need to call your mortgage company to learn how to get the check endorsed.
• Endorsed check in hand. Now that the check has been endorsed by all parties on the check, we are almost ready to install your new roof!
• Choosing a color and install date. All that is left now is to choose your shingle color and a date for installation! Most roofs are installed in one day, weather permitting. It is not necessary to be home during the installation.
• Questions. You can always call or email the President of Weather Event Specialists, Brian Allmand, with any questions you may have at 940.224.0995 or WeatherEventSpecialists@gmail.com. Rest assured that each job will have an on-site field manager, Olivia Elledge; as well as, an on-site roofing foreman.
WILL MY INSURANCE PREMIUMS INCREASE BECAUSE I FILED A HAIL CLAIM?
NO. State law and regulation prohibits an insurer from surcharging an individual homeowner’s insurance policy premium because of a claim or claims that are a result of a loss caused by natural causes.
WILL I GET AN ESTIMATE FROM WEATHER EVENT SPECIALISTS?
Generally, we do not provide an estimate. We specialize replacing roof systems that have been damaged by weather events. Your insurance company will create an estimate using Xactimate, a third party estimating software. The use of 3rd party estimating software ensures Weather Event Specialists will be able to complete ALL work on the insurance estimate for the exact amount of the insurance proceeds, plus any applicable deductible.
Weather Event Specialists will NEVER ask a homeowner for additional dollars on top of insurance proceeds + deductible to complete all work on the insurance estimate.
We welcome additional elective work such as material upgrades, gutters, window screens, painting ect. If a homeowner wishes to upgrade the materials or have additional work done that isn’t included on the insurance estimate; there will be a written agreement that outlines the additional cost of the project, along with exact dollar amounts for all elective upgrades and projects.
THERE ARE GOING TO BE TWO CHECKS? HOW DOES THAT WORK?
Insurance payments are generally broken down into two parts: the ACTUAL CASH VALUE or ACV (1st check), and the REPLACEMENT COST VALUE or RCV (2ND check).
The purpose of the ACV check is to ensure that you have money to start the project.
After the repairs are made, an RCV check is issued to cover the outstanding balance for the completed job.
To recap: you will receive a 1st check (ACV money) to get repairs started at your house. Weather Event Specialists will require the first check + the deductible the day that the job is completed.
Weather Event Specialists will then submit a final invoice to your insurance company stating that all work has been completed, and to please release the RCV check.
At that time, your insurance company will release a second RCV check. This is the remainder of the money owed to Weather Event Specialists to satisfy our agreement to complete all work on the insurance estimate for the insurance proceeds + the deductible.
WHY IS MY MORTGAGE COMPANY ON MY CHECK?
If you have a mortgage on your house, the check for repairs will generally be made out to both you and the mortgage lender. As a condition of granting a mortgage, lenders usually require that they are named in the homeowner’s policy and that they are a party to any insurance payments related to the structure.
The lender gets equal rights to the insurance check to ensure that the necessary repairs are made to the property in which it has a significant financial interest. This means that the mortgage company or bank will have to endorse the check.