Hail damage and home insurance coverage: What to know and look for in an Indianapolis roof replacement contractor

Is hail damage covered by homeowners insurance?

hail damage Indianapolis roofing contractorHail damage is covered by most standard home insurance policies but coverage can be applied in a variety of ways. It’s always a good idea to review your hail coverage directly with your insurance provider, but below is a recap of how home insurance typically pays for hail damage to your house and what to do if hail damage is excluded from your policy.

How do I know if my Indianapolis roof has hail damage?

Hail can damage your roof without any visible signs from the ground. Hail normally has to be the size of a golf ball before it will break through your roof or cause bruising. Sometimes these damages do not show up quickly or are easily overlooked. The integrity of the shingle may be damaged, do not take a chance on it. If hail is driven by high winds or if it lasts longer than a few minutes, even small-sized hail can cause your roof to suffer severe damage and the loss of their protective granules, which will greatly reduce the life of your roof. Loss of granule layers will leave the shingles exposed to the suns UV rays. This will cause serious deterioration of the shingle in a short period of time.

Hail and high winds can cause serious damage to your roof and exterior of your home. Indiana Roofing offers a free roof evaluation to verify the extent of your damages and provides estimates and options on deciding if your roof  should be repaired or replaced.

When do I file a hail damage claim?

Getting a proper roof inspection by a qualified roofing contractor is the best place to start. There are many good roofers, that simply don’t know how to inspect for hail damage or work an insurance claim. You need to ensure you a working with a roofing professional with experience working with various insurance agencies in your area. Beware: every state has different policies, so roofers that chase roofing jobs around the country based on areas where hail has been documented may not be well versed in the policies and state requirements here in Indiana.

Time Limits: It is always best for policy-holders to file a hail claim promptly after a storm where you know, or suspect hail was present. The time you have to file an insurance claim varies by insurance company, but most insurance policies limit your time to file a claim, within 12-24 months of the storm. It’s always best to first contact your insurance agent to verify how long you have to file a claim.

The Process: For many standard homeowners’ policies that include hail damage as part of your protection coverage, homeowners file a claim, pay the policy deductible, and then the insurer pays to fix the damage. A deductible is the amount you have to pay toward a loss before your insurance company pays a claim. When deciding if you should file a hail damage claim, you should first be sure that the amount of the insurance pay out exceeds your deductible in order for a claim to make financial sense. For example, if your home has $1,500 worth of hail damage and your insurance deductible is $1,000, it might not be your best option to file a claim. Average hail claims tend to be at least a couple thousand dollars. Light hail damage might not be enough even to meet your deductible, while heavy hail damage, though mostly cosmetic, can total even a brand-new car on your property.

Indiana Roofing offers free roof evaluations to help you determine that amount of damage your Indianapolis property has suffered from hail and is experienced working with insurance agencies and the claims process.

The Insurance Inspection

Insurance adjusters will inspect your roof and exterior of your home for visible signs of damage only. For the roof, they will typically measure out a “Test Square” (10′ x 10′) on different sections of your roof. If they can find a sufficient amount of bruises or breaks for each “Test Square”, the insurance company will typically approve your claim for a new roof.

What if adjuster says there is “no hail damage?”

While it is possible that your roof escaped damage, even when other homes in your area experienced significant damage, it is also possible that something was missed when identifying the roof damage.

Most discrepancies occur when the adjuster has not assessed the same amount of damage as the contractor, whether it is for the roof, gutters, siding or other exterior or interior damage.  So if you have interior damage or other hard to see damages that can be easily overlooked, chances are the adjuster will probably miss it. This is another reason that you need us to represent you during the inspection.

You are entitled to have your contractor of choice represent you during the inspection and adjustment process to expedite the settlement of your claim. Indiana Roofing has years of experience working with insurance companies to properly determine the extent of the damage, clarify pricing and offer a repair price agreeable to the insurance company.

Does filing a hail damage insurance claim mean my insurance rates will increase?

No, not in all cases will your rates increase. Most insurance companies do not raise premiums or deductibles for “individuals” for filing a claim due to hail or wind damage. It is considered an Act of God or Nature. It is not the same as claiming an auto accident.  Weather damage isn’t caused by your negligence, so your insurer typically won’t hike your rate. However, your rate may increase based on the number of claims you have filed.

Homeowner Beware. Do not make your contractor decision based on the lowest roof replacement estimate.

Especially when filing an insurance claim for hail damage, making a decision just based on price will compromises the quality of the roof and does not save you any money in the end.   Fair Market Pricing for roof replacements are used by insurance agencies and lets face it, your insurance company isn’t going to reward you for finding the lowest bid for them. They won’t lower your premiums!  Select an Indianapolis roofing contractor based on who you feel most comfortable with, their reputation (be sure they are local, licensed, bonded and insured!) and their experience in roofing and insurance claims.

If you suspect hail or storm damage on your roof, give us a call for a free evaluation today!

Damon Bryant

800.601.4050 | Ext. 3  or cell:317.361.2551

Email Damon

How to select an Indianapolis Roofing Contractor for roof replacement

how to pick indianapolis roofing contractorPurchasing a new roof is one of the biggest decisions you’ll ever make for your home, so it’s important that it’s done right and that you have someone standing behind the work for years to come. It’s important to select an Indianapolis roofing contractor that has the proper credentials. Many roof replacement companies chase after storms and come to the area for work and then are gone tomorrow. You want to be sure your roofing contractor is here to stay and is able to be located and reached for years to come.

Standards and requirements you should look for in a roof replacement contractor in Indianapolis:

  • Carry all required state and local licenses.
  • Hold at least $1,000,000 in general liability insurance.
  • In good standing with the Better Business Bureau.
  • Up to date latest industry standards and technology.
  • Certified to offer Roofing System Limited Warranties that provide workmanship coverage

How to Talk to Your Contractor

If you select a roofing contract on your own, you need to make sure you ask all the right questions. Is your contractor up to the job? The Owens Corning contractor checklist will help you know what questions to ask and what level of service you should expect. You may want to print this list and keep it with you when you interview a roofing contractor.

Qualifications of Indiana Residential

  • Indiana Residential is in good standing with the Better Business Bureau, with an A+ rating.
  • Indiana Residential holds at least $1,000,000 in general liability insurance
  • Indiana Residential is an approved Owens Corning Preferred Contractor, an exclusive network of roofing professionals who meet high standards and strict requirements for professionalism and reliability.
  • Indiana Residential carries all required Indiana state and local Indianapolis area licensing and insurance
  • Indiana Residential has extensive knowledge and experience in the latest roofing industry stands, technology and roof color trends.
  • Indiana Residential is dedicated to customer service and offers workmanship guarantee.
Contact us today for a free roof evaluation.

Indianapolis Window Repair – How Agents Can Help Sellers Before Listing Home

Window Issues! How Agents Can Help Their Sellers Upfront.wood window restoration

Foggy or faulty windows can either point to a structural issue, or can sometimes be viewed as a cosmetic repair needed on a home. Prior to listing a home and scheduling an inspection, it can be very advantageous to identify and have a professional evaluate any window issues that may be present.

Advising sellers to address or, at minimum, get the problems look at before listing can avoid a slew of red flags being set off to prospective buyers.

Before you list, what your Sellers should know:

  • First impressions! Buyers wonder…if one window is faulty, are there more that will be soon? What else might be old or faulty in this house?
  • Efficiency Concerns. Faulty windows can result in reduced energy efficiency. Buyers are reviewing utility averages and costs as this is a major factor in their ability to afford and maintain the home themselves.
  • What is lurking beneath? Damaged wood is really scary for buyers. A water trap is any surface that is not sloped downward away from the wall and allows rainwater to sit until it evaporates. These areas soon develop spots of wood rot and, if left unrepaired, allow water to enter the wall and begin to rot the wood framing. And then mold…ahhh!
  • Inspection Reports. Inspectors should be reporting all visible window seal issues. Windows either function as intended or they don’t. A failed weather seal is a failed window in need of repair and/or replacement. Get ahead of the inspection report if you know there may be an issue. This allows you the seller to get estimates and make the right financial choices vs. being rushed to get all required repairs done in order to get to closing on time.
  • Keep repair options open. Foggy glass can often times be repaired, wood replaced, etc. If sellers wait to explore this option after an inspection report, prospective buyer may instead push for a full window replacement instead.  What’s is worth to them in the end to maintain a good selling price?
  • Inspect your own windows before listing. All window are tested during an inspection. Do they all open? Are they difficult to open? Are any locks missing? Are any screens missing? If the seller has big furniture in front of a window, or bric-a-brac on the window sill, sometimes Inspectors can’t risk moving the belongings to test the window.

Checking a listings windows functionality upfront and working with a qualified Indianapolis window repair company can save lots of money and time, and most importantly ensures your Sellers that you are helping them get the most out of their listing and avoiding big surprises.

Contact Indiana Residential for a free window evaluation of your listings.

 

Importance of Completing Inspection Repairs on Buyer’s Response Prior to Closing

After reviewing and writing estimates on over 13,000 homes we have a few reminders on the importance of addressing buyer’s response on inspection repairs before the closing on the sale of the home:

  1. Major and Safety Repairs.

Major repairs and deferred maintenance can quickly lead to additional issues and further damage to the home if left unrepaired.  Safety issues can lead to harm to the new homeowner and their children.  Agents, buyers and sellers all need to protect themselves. Get it done.

  1. Limits Seller’s Liability.

Completing all the repairs agreed upon by both the buyer and seller limits the seller’s liability to post closing issues, such as complaints, claims or lawsuits.

  1. Buyer’s Assurance.

Completing repairs before closing protects buyers against hidden damage and unforeseen costs that could be exposed when a repair is made after closing.  Buyers want to have peace of mind about their new home and not be surprised with unforeseen issues. When repairs are completed, this provides the buyers the opportunity to have the repairs re-inspected before they take ownership.  Buyers can settle in to their new home knowing that the repairs were done properly.

  1. Negotiating.

When price is negotiated down or money given back at closing we find that often times the new buyer fails to have the repairs made.  The needed repairs come up again when the house is resold.

  1. Storm Damage.

Seller’s insurance company could pay for roofing, siding, or other damage if caught in advance of the sale.

As a leader in our industry, Indiana Residential can provide a quick accurately written estimate, and repairs made correctly, on-time, by professionals.   While others promise results, we provide them.

Contact us and learn how we can be integrated into your process, helping you be more productive and focusing on what you do best, selling homes!

Indy Top Producers Spotlights Indiana Residential

Closing! The word (in the context of real estate) inspires a plethora of emotions, a host of experiences and the summation of an event that provides everyone with a “win” – or at least it should. Many approach closing day with an unexpected laundry list of repairs found during the home inspection. Reaching that crowning day only to have something go awry, can leave many unhappy and unpaid. That is why it is so important to choose people that are devoted to the success of your rewarding moment.

The dedicated owners and staff at Indiana Residential understand this concept and champion their business as a solution. Following an inspection report, Indiana Residential offers a program designed specifically for Real Estate professionals to streamline the inspection repair process. With “One Call” (or email, text, one-click online submit), they appoint “One Contact” and provide “One Estimate” for all the inspections repairs that are required on the Buyers Response. The company is a MIBOR Affiliate Member that also offers many years of experience in home remodeling and renovation. Additionally, they are an IICRC Certified Mold Removal Specialist and an Owens Corning™ Preferred Roofing Contractor.

The Indy Real Producers Magazine publishes monthly and also includes a ranking of top agents in the area.
See List of 2017 TOP 200 Producers

 

 

Window Service Announcement -Window Glass Replacement and Wood Window Restoration

We are excited to announce the addition of professional window glass replacement, wood window restoration and window repair services to our one-stop construction service offerings for realtors and homeowners.  Now you can include your window restoration needs on your Inspection Repair report and Buyers Response and we will estimate and complete with your other necessary repairs. Learn More>

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wood window restoration

Window Glass Replacement

indianapolis window glass replacementFoggy Windows? Visible condensation or residue between your window panes? The Indiana Residential Window Restoration team can professionally restore existing window glass to like-new condition.  Replacing the glass and failed thermal seal on insulated glass units (IGU) can offer a quick and cost-effective way to extend the life and look of windows, and can be fixed at a fraction of the cost of having the entire window unit replaced. We can properly repair the bad ones and keep the good ones in place.

Request Estimate>

Wood Window Restoration

Yes, wood windows can be repaired! It is essential to utilize parts that are designed specifically for each window type when restoring wooden windows to their original glory.  Your typical handyman or repair company cannot do this. Why? Well, every original window was designed with a specific profile for proper fit and function. To achieve that exact fit and function, you need to use an exact replica of the original components. And that’s exactly what we do; we utilize specifically engineered window sash replicas that are duplicates of the original window profile. We match yours to these replicas AND have stock on hand for most brands of windows that were installed in the Indianapolis and surrounding areas. This allows us to quickly identify and start restoring your window, compared to months of lead time for custom tooling. 

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Window Repair & Replacement

Have broken or faulty window parts? Got leaks or damaged frames? Foggy Glass? Condensation? Various window components can fail or be damaged over time.  We repair everything from failed thermal seals and weather-stripping to locks, balances, cranks, openers, operating arms, and screens. From double-hung, sliding and casement windows to bay and garden style windows, our team installs quality windows to meet your energy and insulation needs.

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Contact us today to discuss your window restoration needs.

Indiana Residential Holiday Party 2017

A big thanks to all our wonderful clients, we appreciate the opportunity to partner with each of you. Cheers to another great year of working together!

Indianapolis Mold Prevention Tip from our resident Mold Removal Expert

Indiana Residential mold removal specialists inspect chimney cap, replace and repair.

Do you have a fireplace? Then you have a chimney cap.  Chimney caps can leak and allow water inside your home. Water opens the door for mold growth. Mold growth can lead to extensive mold removal and home repair expenses.

So, what condition is yours in? Well, you probably don’t know until a Home Inspector reveals on your Inspection report that there is biological growth (aka MOLD) around the chimney chase, flue, etc. This is one of the most common water intrusion repairs that our Indianapolis mold removal team addresses for homeowners when they are selling their home.  Unfortunately, over time chimney caps can become rusted, pitted out and will deteriorate, which allows water into your attic.  That water accumulates and mold begins to grow when the conditions are right. Attic mold spreads and can become a major issue and big expense to remediate the mold.

Avoid treating your entire attic for mold growth and mold removal by knowing how to look for warning signs and catch the leaks early. If your home is 25 years or older, or you suspect the need of a new roof, you can stay ahead of major damage by having your roof and chimney area evaluated by an Indianapolis mold removal professional. Our team can help you avoid this costly repair by providing a free inspection of your chimney and evaluate the condition of your entire roof. Don’t wait for an Inspection to find out the extent of the damage, be proactive and avoid this costly mistake that we see so often.

Contact us today to schedule a time for us to take a look at your property and assess your needs for mold growth and mold removal in your Indianapolis area home.  We service all of Indianapolis, Greenwood, Fishers, Carmel, Noblesville, Avon, Westfield, Zionsville and the nearby surrounding areas for mold removal.  Because we are an established Indianapolis general contractor, our team not only removes mold from your home but also handles every aspect of restoring your property.  From drywall and flooring replacement to paint and all the finishings, we are qualified and experienced to do it all and you don’t have the hassle of working with multiple contractors to get your home back.

Robert Barnes mold remediation

Robert Barnes

Before and Afters- Complete Home Remodel

From floor plan restructuring to all new kitchen and baths, we said goodbye to 1960 in this lake house remodel.  The entire house, located in Lake Maxinhall Estates in Indianapolis, Indiana was transformed into a new modern and functional space for the homeowner.  This Lakeside neighborhood in Washington Township is a beautiful and mature Indianapolis community offering custom waterfront homes, making this remodeling project a great investment.

Too many updates were made to this home to list them all, but lets walk thru some of the big areas where you can really see this dramatic transformation.

Watch Remodeling Transformation

Kitchen Remodel

The dark dated kitchen was very small and enclosed away from the rest of the living space. Old rustic cabinets, black tile and appliances and laminate countertops had this space screaming for major attention. Who wants to cook and entertain in this dungeon?

BEFORE

Indianapolis kitchen remodel before Indianapolis kitchen remodelers during

Our remodeling team started by knocking down walls and gutting the structure to open up this space to the living and eating area of the home.  New cabinetry, granite countertops, stanless steel appliances and restoration style lighting compete the transforimation.

AFTER

 

Indianapolis kitchen remodel after

Indianapolis kitchen remodeling after 

Creating Open Floor Plan

The main living area featured an odd entry way divider wall, dated lighting and deco style metal railings that divided the living area.

BEFORE

Indianapolis Remodeling Contractor before living area Indianapolis Remodeling Contractor before entryway

The enclosed kitchen walls were removed opening this area to create an island seating area now open to the dining space. The entryway divider wall was torn down making this all one open living space. The dated hand railings were removed and the stairs were remodeled to open up the living space.  Fresh paint and new fans and lighting complete the open floor plan.

AFTER

Door Replacement & Bedroom Addition

The exterior metal glass sliding doors were original to the home and were rotted and leaking.  Off the living area was a festive study area with dated stained glass windows.

BEFORE

 Indianapolis remodeling door replacement before Indianapolis remodeling enclosed study to become bedroom

Our Indianapolis remodeling team enclosed the entrance to this blue study area, separating it from the main living area, creating a much needed extra bedroom for the homeowner.

AFTER

Master Bedroom Remodel

The master bedroom entrance area was odd and an unfunctional use of space with a dated vanity area just inside the door. The hall bath needed a complete transformation and accessibility opened up for easy access to the rest of the house.

BEFORE

master bedroom remodeling before 

AFTER

A new, more private entry was created to access the master bedroom by removing the vanity area and bumping back the entrance to the bedroom. This, in turn, opened up the hallway area outside the bedroom making way for a larger hall bath that was now accessible to the main living area.  A wide window was added to the exterior wall of the hall to let some much needed light into this entryway space. The hall bath was enlarged and completely remodeled with new cabinetry, flooring, plumbing and lighting.

Indianapolis remodel bedroom after    Indianapolis bathroom remodeling after 

Office Remodel

Inside the master bedroom was a dark setting room/office area that was open to the sleeping area, complete with 1960’s wood paneling.

BEFORE

Indianapolis remodeing contractor - bedroom before remodel home remodeling Indianapolis bedroom before

Custom sliding barn doors were installed to add visual appeal and create a separation from the bed to this this office area. Paint, new modern built-in entertainment shelving with granite top, and new flooring complete the transformation of this unique space.

AFTER

Sliding barn doors Indianapolis

ship lap walls Indianapolis 

Bathroom Remodels

All five bathrooms in this home were screaming for a remodel.  Original or dated lighting, plumbing, tile and flooring made these bath areas a big eyesore.

BEFORE

Indianapolis bathroom remodel before  bathroom remodel Indianpolis

Four bathrooms were given an overhaul to make them clean and modern.  Each bathroom was remodeled using white subway tile on shower enclosures, glass shower doors, wood look grey tile flooring, brushed nickel plumbing fixtures and vanity lighting, new toilets and vanities with granite countertops.

AFTER

      Bathroom renovation

Bathroom remodel Indianapolis

Are you looking at an investment property, or the purchase of a new home that needs a major renovation? We can work with you on the project from the very beginning and he you with all your remodeling needs.

About Indiana Residential

Indiana Residential is the original one-stop general contractor serving homeowners and real estate industry professionals in Indianapolis, Greenwood, Fishers, Carmel, Noblesville, Avon, Westfield, Zionsville and the surrounding areas. Our services include one-call inspection repairs, home remodeling and repairs, mold removal and put back, roof replacement and repair, kitchen and bath remodeling, and general home maintenance including painting, electrical repairs, windows and siding, plumbing repairs, and more.

Record Indiana rainfall calls for Indianapolis water damage remodeling contractors to step in

Did you know that Indiana has seen the highest recorded rainfall in history from April 2017 to today? This 25 year old Carmel, Indiana home hasn’t experienced any previous water issues, but the owner found wet carpet and swollen baseboards inside the home.

Upon demo, our team identified a crack in the exterior concrete foundation where water was trickling in through the foundation. We professionally repaired the crack, waterproofed the foundation damage, completed a full dry-out, treated for mold, and repaired all the materials with water damage.

 

Indianapolis water damage contractor Indianapolis water damage contractor foundation crack repair Water damage contractor and mold removal specialist

Even the most secure properties are experiencing water intrusion this year with the amount of rainfall Indiana has seen. Our remodeling and mold remediation team can help with your Indianapolis mold removal and Indianapolis water damage repairs.

 

Home Remodeling
We are a full-service licensed Indianapolis general contractor with an expertise in home remodeling. From demo, plumbing and electrical to painting, flooring and cabinetry, our experienced project managers work with you every step of the way. more>

indianapolis remodeling contractor

Customer Reviews
indianapolis general contractor reviews "From the moment I first met their representative to the time of payment, everything proceeded as planned and explained. The work was done well and follow-up was great. I would most definitely refer them to anyone needing home repair" more reviews>
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