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Insurance companies are obligated to replace your roof for you if it sustains hail damage which causes enough damage to the shingles. Hail knocks off granules from the shingles resulting in exposing the roof to possible leaks. Dr Roof can inspect the roof and let you know if there is enough damage to warrant contacting your insurance company to come and inspect the roof. The insurance company ultimately is the final decider on whether or not they consider it enough hail damage to warrant replacing your roof, but Dr Roof will advocate for you if we believe in our expert opinion that enough damage exists.
Generally, your homeowners insurance policy will provided you with an initial settlement amount to replace your roof. This initial amount and scope provided by insurance usually does not meet requirements according to building code and manufacturer guidelines.
To correct the initial insurance settlement which is missing items, Dr. Roof requests a supplement for the specific items Dr. Roof has determined are missing from the initial insurance settlement.
This is in order to ensure a roof is installed with ALL required components.
After all, if your car was totaled in an accident, would you accept the insurance company putting your old car's tires on your new car? Never! A new roof has many pieces and components, such as flashings and starter shingles, which often get neglected. Your new roof from day one is only as good as the oldest component. Dr Roof goes to bat for you and files a supplement to make sure ALL of the roof's key components are updated when the roof is replaced.
The risk is that you will have a substandard roof installed, missing vital components; all because the roofer did not take the time to identify missing items and supplement the insurance company for them.
The roofer who does not file a supplement is usually not a quality roofer and is in the business for a quick buck.
Cutting corners in roofing almost inevitably will result in roof leaks within a couple of years after the roof is replaced. That's not what should happen with a new roof!
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