Roof Replacement – 5 Steps On How To Get Your Insurance To Cover The Costs

 For whatever reason it may be, if you need to have your roof replaced, you will most certainly need a lot of money. Most homeowners would automatically turn to their insurance provider to file a claim and cover the costs. However, it’s not all the time that your insurance provider would just hand you over the money and get it over with. Insurance companies are finicky when it comes to approving claims and releasing money. When you need a roof replacement, there are certain prerequisites that need to be met.  

 Here are five steps on how you can get your insurance company to pony up for the roof replacement:

 1. Understand your coverage – first of all, you should be mindful of your insurance coverage. It would be a terrible waste of time to go through the process of filing a claim only to find out that it got rejected. Be sure that you read your insurance policy a few times before you file a claim. This will eliminate any doubts and clear up and questions before you could proceed. For a North Myrtle Beach roof replacement to be needed, the damage must be great. Also, the cause of the damage must be within the terms of the policy so as to have better chances of getting the claim approved.

 2. Document the damage – take both photos and videos of the roof as evidence of the damage. Doing so will give you an idea whether what you need is simple roof repair or a complete replacement. This will be very useful when you file for a claim. Be sure to document everything as soon as possible. The sooner you get the pictures and videos, the better it is. Also, be aware of the protocols set in place by your insurance provider. This will let you know when and how to file for a claim.

 3. Hire a reputable roofing contractor – once you have filed your insurance claim, the next thing that you should do is to look for a reputable roofing contractor. It is important that you hire a roofing contractor that knows how to deal with insurance claims. This way, they could provide you with an assessment of the roof that will boost your chances of having the claim approved.

 4.  Beware of scammers – there are a lot of fraudulent people out there trying to fool homeowners into signing a contract. If it sounds too good to be true, it probably is. Any decent roofing contractor like NMB Roofing Pros would offer their services in a proper way. They don’t usually go house to house just to sell their services. Also, a legitimate roofer would provide realistic and reliable services at the right price.

 5. Proceed to the next step – once you have documented everything, filed your claim, and had a roof inspection done, the next thing to do is hire your roofer of choice. You can hire the roofer you chose for the roof inspection. Once the roof replacement has been done, be sure to have it inspected regularly to prevent issues.

 

Do you need a roof inspection, repair, or a complete roofing overhaul? Call NMB Roofing Pros today! You may reach us at <a href="tel: 843-491-6382

NMB Roofing Pros
North Myrtle Beach, SC 29582
843-491-6382
http://nmbroofingpros.com/
info@nmbroofingpros.com

Roof Repair, Replacement, And Restoration

 

If there’s one type of home remodeling task that homeowners dread, it has got to be roof work. When it comes to any kind of roofing task such as repair, roof replacement, or restoration, it is bound to cost a significant amount of money. Homeowners don’t have much of a choice since brushing aside these tasks would mean facing an even bigger cost later on. If your roof is old, has signs of damage, and in need of changes, you might have contemplated about the types of work and the cheapest you can get. This article will let you in on just what you should do.

 What’s the difference between roof replacement, repair, and restoration?

 Roof repair – this type of roof work is self-explanatory. Fixing missing shingles on your roof will be counted as roof repair. However, to what extent will the work still be considered as roof repair? In general, if the roofing tasks only cover 30% of the entire roof, then that’s still considered as roof repair. If it gets bigger than that, you will have to call it something else such as a roof replacement.

Roof replacement – as what the term suggests, a North Myrtle Beach roof replacement refers to the replacement of the entire roof. If in case the roof is severely damaged or when the damages are too huge for repairs to be made, a replacement will be necessary. As you might have imagined, replacing an entire roof will be the most expensive project you can have next to having a new roof installed. In fact, there are instances wherein a roof replacement costs more than a new roof because of the difficulty of removal and installation of the new roofing materials. This brings us to the next topic.

Roof restoration – a roof restoration is basically a refresh of the existing roof. Instead of taking apart the existing roof or repairing it, a roof restoration improves and refurbishes the old roof to make it like new. Of course, just like roof repair, a restoration project involves certain measures to ensure that the roof is back to its original shape and quality.

When should you consider a hiring a roofer like NMB Roofing Pros for a roof restoration?

Do bear in mind that roof restoration does not apply to every single home. There are certain conditioners that need to be met. If you are not sure with the state of your roof, have a roof inspection done. This usually solves the problem and uncovers the real state of your roof and if it qualifies for a roof restoration.

 Here are instances where you could go for a roof restoration:

 ·         When the roof is somewhat new or at least 5 years before it reaches its estimated lifespan.

·        ·         When you plan to sell your home and upgrade the roof to improve its quality.

·         ·         When you already have two roofing layers and want to avoid a complete teardown.

·         ·         When your roof is making your home too hot in the summer due to direct sunlight. 

Always keep in mind that the costs of a roof restoration, repair, or replacement will vary depending on certain factors. Availability of materials and the roofing company you hire will all impact how much you will spend on your roofing project.

 Are you looking for top-notch roofing services in North Myrtle Beach? Call NMB Roofing Pros for all your roofing needs! You may reach us at (843) 491-6382.

NMB Roofing Pros
North Myrtle Beach, SC 29582
843-491-6382
http://nmbroofingpros.com/
info@nmbroofingpros.com

Roof Replacement – What You Need To Know About Home Insurance

 

Every homeowner should have a home insurance policy in place. It’s a safety net in case natural calamities happen or if your home gets damaged accidentally. However, this article will be focusing more on the coverage of roof insurance and what homeowners need to expect. This is rather important particularly in instances where a roof replacement is needed.  Depending on the insurance company and the policy you have, the terms and conditions may differ. Here’s what you need to know about home insurance and what it has to do with your roof:

Is a special insurance coverage needed to include the roof?

In general, there are different types of insurance policies out there. The majority of home insurance policies carry coverage for the roof. However, the coverage may differ from one provider to another. In other cases, although this is rarely seen, roofing coverage is not included.

What does full coverage roof insurance mean?

When your insurance has an open perils policy, it means there are no limitations on the roof and also includes North Myrtle Beach roof replacement cost. It is commonly referred to as “full coverage” due to the unlimited number of perils or sources of damage.

What is actual cash value and replacement cost?

Basically, actual cash value refers to the depreciated value of the roof at the time of the damage. For instance, if the value of a new roof is $25,000 and it is already 15 years old when the homeowner filed the claim, the insurance company may apply a $1,000 annual depreciation rate. That means you only get $10,000 on your claim as the value of the overall depreciation is deducted to the initial value of the roof. This means you have to shoulder any extra expenses if the value of repairs or replacement exceeds the amount of your claim. These expenses include fees for repairs and hiring a roofing contractor.

The replacement value, on the other hand, will provide you with the exact amount needed for the roof replacement or repair to restore the roof. Of course, this will be less your deductibles.

When is the roof insurance limited?

The insurance provider may put in a clause in the policy stating that the basis of claims settlement will be actual cash value rather than replacement cost. Insurance companies normally do this to cut costs on their end, saving them money. This is often done when numerous several incidents occur especially when a particular area is frequented by natural calamities.

When you are shopping around for a home insurance policy, be sure that you read the fine lines. Make sure that you are signing up for a policy that you can fully benefit from. Also, it would help to hire a professional roofing company like NMB Roofing Pros in order to keep your roof maintained to keep your insurance premiums.

For all your roofing concerns, call NMB Roofing Pros. You may reach us at (843) 491-6382.

NMB Roofing Pros
North Myrtle Beach, SC 29582
843-491-6382
http://nmbroofingpros.com/
info@nmbroofingpros.com

The Costs Of Getting A New Roof

 

It’s not very often that a homeowner shops around for a new roof. After all, roofs are mostly rated to last anywhere in between 15-25 years. Of course, that number is just on paper and what transpires in real life might be different. However, the point here is that homeowners will inevitably need to have their roof replaced. The question now is how much a new roof costs and what affects the overall price.

Here are some commonly asked questions about getting a new roof

1. How can I know the cost of getting a roof replacement?

The average cost of getting a North Myrtle Beach new roof is around $7,800. Of course, the price may go up or down depending on the roofing contractor you hire, the materials you choose, and the roof design that you have in mind. To give you a good estimate of just how much you are going to spend, gather quotes from different roofers. Doing so will give you an idea of how much you’re looking to spend.

2. Should I just repair my roof instead of having it replaced?

This is a question that a lot of homeowners ask. The first thing that you need to know is that an inspection has to be done. There’s no accurate way to find out the state of your roof if a thorough inspection is not carried out. Hire a roofing contractor to perform the inspection. It also helps to consider the following:

• ·         Check the age of your roof.
• ·         Check for damages.
• ·         Mull over any plans of selling the house.

3. Do roofers need a license to operate?

In most parts of the United States, roofers are required a license before they can begin their operation. This is to ensure that the contractors are indeed qualified to undertake huge tasks such as installing a new roof. The contractors undergo stringent examinations and guidelines in order for them to acquire a license which is good news for the end consumer.

4. Can I do my own roof replacement?

In theory, anyone can replace their own roof. However, it is not advised. You may save money if you install your own roof but it comes with great risk. A major-scale roofing project like roof repair is no easy feat to accomplish. One wrong move and you might end up ruining the entire build. It’s always best to leave this task to the professionals.

5. Will my homeowners insurance cover the costs of a new roof?

Another interesting topic is the home insurance coverage. While, a home insurance policy often pays for a roof replacement, it will only happen in events where the roof is damaged by natural calamities such as storms, hurricanes, and or fire. Neglect and natural wear will not be grounds for a payoff.

6. Does a new roof bring down insurance premiums?

Yes. Unlike an older roof, a newer one poses less risk which means lower insurance premiums. It also pays off to hire an expert like NMB Roofing Pros for the maintenance of the roof. A well-maintained roof means your insurance provider will need to pony up in case your roof gets damaged by natural calamities.

Get reliable roofing services when you need it. Hire the best roofer in North Myrtle Beach. Call NMB Roofing Pros today at 843-491-6382!

NMB Roofing Pros

North Myrtle Beach, SC  29582

843-491-6382

http://nmbroofingpros.com/

info@nmbroofingpros.com