Is Your Roof Damaged from Storms, Wind, Hail or Weather?
Frequently Asked Questions
You do not have to get 3 estimates. Your insurance company may be trying to get you to accept the lowest bid to do the work, instead of who you feel is the best contractor to do the work. You have the right to choose whichever contractor you are most comfortable with and who you believe will do the best work. Use who you want to use!
Remember, your deductible stays the same, whether you use a qualified contractor or a low bidder. Go with quality and don’t cut corners on your roof.
If you have any questions or need help with your insurance claim, contact us today and speak with one of our Claim Specialist.
With Empire Roofing & Restoration you will get top of the line products installed on your home, and superior craftmanship, have the piece of mind that our quality control managers will inspect the installation process, You will get 1st class service all for the price of your deductable.
We are here to assist you 24/7 call 770-703-5140 for any roofing emergency.
My contractor has written an estimate which is more than what my insurance company has written. What do I do?
Your insurance company’s adjuster may have missed some items, or may not have the most current market pricing on items. Additional damages are often found in insurance claims. Most differences between estimates can be settled over the phone between your adjuster and your contractor.
You should select a contractor that you are comfortable with and have confidence in.Empire Roofing & Restoration will provide you not only with customer references but suppliers as well. Call our previous customers to see how pleased they were with our services. Check with our suppliers and ask them if we pay on time. You should check any contractor’s references and professional organizations they belong to. Remember to present a copy of your insurance estimate to your contractor. In most cases, your contractor will work off this particular estimate. This also ensures you are following the scope of your insurance company to make sure you qualify for the recoverable depreciation upon final billing. If there is any discrepancy between your insurance company’s recommended scope and your contractor’s recommended scope, be sure to get your insurance company approval to work with your contractor to negotiate and settle on a scope of work, prior to commencing any repairs.
In most situations, under the terms of your insurance policy contract, any loss payable for damage to your building may be paid to both you and your mortgagee, as both have an insurable interest in the home. In most cases, your insurance company is unable to remove the mortgagee from your check without their written permission. To endorse the check, contact your mortgage company and they will guide you through their procedures to endorse insurance checks.
If my policy provides full replacement cost coverage, why am I not being paid full replacement cost?
If your policy provides replacement cost coverage, the loss settlement conditions state that the replacement cost is paid only after repairs are completed and that money has actually been spent towards the repairs
1. CHIMNEY BASE FLASHING: A corrosion-resistant sheet metal installed at the base of a chimney to prevent leaks.
2. EAVES: The lower border of a roof that overhangs the wall.
3. FASCIA: The vertical board at the eaves, oftentimes covered with vinyl or aluminum.
4. HORIZONTAL SIDING: Provides style and functionality. Available in various materials, colors, textures and designs.
5. HOUSEWRAP: Material designed to allow moisture to escape and to prevent air from coming in.
6. LOOKOUT: A horizontally positioned board used to brace the trusses of a roof
7. RAKE: The outer edge of a roof from the eave to the ridge.
8. RIDGE BEAM: The top support beam between opposite slopes or sides of a roof.
9. RIDGE SHINGLES: Shingles used to cover the horizontal external angle formed by the intersection of two sloping roof planes.
10. DRIP EDGE: A narrow strip of non-corrosive, non-staining, finishing material installed along the eaves and rakes to allow water run-off to drip clear of underlying construction. On eaves where gutters are present, this material is commonly called gutter apron.
11. ROOF SHEATHING (boards): The structural base of a roof. Also called the roof deck, or decking.
12. ROOF SHEATHING (plywood): The structural base of a roof. Also called the roof deck, or decking.
13. ROOF TRUSS (rafters): The framework that supports a roof.
14. SHINGLE SIDING: A siding option typically manufactured from red cedar, which weathers to a silvery gray or medium brown, depending on local climate; and white cedar, which weathers to a silvery gray.
15. SHINGLES: The outermost covering of a roof. Composition shingles are manufacured from materials “composed” of fiberglass, modified asphalt and mineral granules. Wood shingles and shakes (shakes are split rather than sawn) are made from western red cedar. Other roofing options include clay and concrete tiles, slate, metal, mineral roll roofing, and tar and gravel.
16. SOFFIT: The finished underside of the eaves. Soffit panels are available in wood, vinyl and aluminum.
17. STEP FLASHING: A corrosion-resistant sheet metal used to waterproof the angle between a chimney, skylight, dormer, etc. and a sloping roof.
18. UNDERLAYMENT: An asphalt-impregnated felt laid under most roofing materials as a secondary water barrier. Felt is classified by weight per “square,” (100 sq. ft.) usually 15 or 30-pound. Underlayment is also called tar paper or felt.
19. VALLEY: The intersection of two sloping roofs joining at an angle to provide water runoff.
20. VALLEY FLASHING: Made from aluminum or galvanized steel, this additional water barrier is installed after the roof and valley have been covered with underlayment.
21. VENT FLASHING: A flat piece of pre-cut sheet metal installed on top of the underlayment to prevent leaks from occurring where roof vents are present.
22. VERTICAL PANEL SIDING: Plain, patterned, or grooved panels of plywood or hardboard that provide style and functionality.
23. WALL SHEATHING: The first covering of boards on the outside wall of a frame house.
24. WALL STUD: An upright piece of wood used to frame a house and support the walls of the structure.
Highest Quality Roofing Services
Your roof protects you from all the elements and if a hail storm causes damages, it will be weakened. The damage to your siding and roof may not be obvious at a glance, but hail can cause the shingles to weaken and start a pattern of corrosion. If left unfixed, the exterior will eventually deteriorate and cause even more damage to your home. To ensure that all damages are accurately detected and repaired, you need to call a storm damage expert at Empire Roofing.
At Empire Roofing and Restoration, we only use the highest quality materials to make sure your roof protects your home the way it should. In addition to roof repair and replacement, we also offer gutter repair and cleaning, internal and external painting, and home restoration services.