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Adelphia Exteriors

Adelphia Exteriors

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How To Get Insurance To Pay For A Partial Roof Replacement

August 2, 2021

construction worker on a renovation roof covering it with tiles using hammerDealing with homeowner insurance providers for a partial roof replacement can, at times, become stressful, but you can make the process easy and stress-free by preparing ahead of time and ensuring you follow the proper process for filing a claim.

Every insurance provider may have their own processes for policyholders to follow, so understanding the specific details of your policy and claims process are important. This guide provides a detailed review of how to get insurance to pay for a partial roof replacement when the damage is caused by a covered peril.

An Eight-Step Guide To Dealing With Your Insurance Provider For A Partial Roof Replacement

Every situation may be unique, but there are specific steps you can follow to help ensure your insurance provider covers all or most of the cost for your partial roof replacement. These steps include assessing the severity and nature of the damage, reviewing your homeowner’s insurance policy, remaining up to date with inspections and maintenance, preparing for the insurance provider’s inspection and receiving an estimate from a licensed contractor.

1. Assess The Severity Of The Damage

The first step is to assess the severity of the damage to your roof. Depending on how severe the damage is, you may need a partial roof replacement, complete roof replacement, or the roof may be in good condition and only in need of minor repair.

Of course, it can be dangerous to climb your roof to assess the damage yourself, especially after a severe storm or if there is a high chance that the roof is damaged and weakened. Subsequently, it is best to call a professional contractor for a roof inspection. This allows you to get a professional assessment of the damage and understand the extent of the repairs that are needed.

2. Determine The Nature Of Damage

roof repair of a historic house and replacement of clay tilesA professional roofing contractor can also assess the most likely cause of the damage. This is important when filing a claim to your homeowner insurance provider. The cause could be something obvious such as damage from heavy winds after a storm or the result of a tree falling on part of the roof.

In other instances, the roof may have long-term wear and tear due to its age, among other potential causes. While the insurance company will most likely want to conduct their own inspection, this could be a useful way to make the claims process easier for both yourself and for your homeowner insurance company.

3. Review Your Homeowner’s Insurance Policy

Your homeowner’s insurance policy should clearly state what is covered and how to properly file a claim. Some policies may have a time limit on how long after damage occurs you can still file a claim. Failing to file in time could lead to a nullified claim. In addition to acting with a sense of urgency, the company may also need certain details about the damage, which may include pictures and potential causes of the damage.

Be sure to include as much information as possible when describing the damage to your roof in your claim. Of course, it helps to provide feedback from a professional contractor as well. You may be able to conduct your own initial assessment of the damage, but, as mentioned previously, this could be dangerous to do after a storm or if the roof is likely weakened and damaged.

4. Ensure You Are Up To Date With Inspections And Maintenance

Some homeowner insurance providers may require regular inspections of your roof to help ensure the roof is properly maintained. This can reduce the risk of needing larger repairs such as a complete or partial roof replacement.

It also helps to regularly take pictures of your roof and home’s siding as well for documentation purposes. The idea here is to be able to prove to your homeowner insurance provider that you have done what is necessary to care for the roof long-term. This lets them know that you are not at fault for any damage that occurs.

5. Prepare For The Insurance Provider To Schedule Their Own Inspection

insurance person inspecting the roofThe insurance company will likely want to conduct their own inspection of the damage to your roof. This is likely to determine the severity of the damage and what caused it. The reason for this is primarily to ensure they are not spending more than what is necessary to repair the roof; be aware that they may look for loopholes to get off covering the cost.

For example, the homeowner insurance provider may not cover the cost of partial roof replacement that is needed due to normal wear and tear, particularly if the homeowner has not properly serviced the roof.

This is why being able to provide documentation that shows the roof was properly maintained and inspected by a licensed roofing contractor is important. Be sure to make arrangements to come at a time you (or another adult in your household) are able to be there.

6. Receive An Estimate From A Licensed And Insured Roofing Contractor

Your insurance provider may ask for a quote from a roofing contractor. It is important that the roofing contractor is both licensed and insured. Ideally, they should also have experience providing quotes for insurance companies. This can help ensure that the coverage is not initially denied due to a non-qualified contractor.

In addition, experienced roofing professionals can help you through the claims process. It may also be important to find a contractor that has a history of offering fair and honest prices to avoid exceeding any limits that may apply to your homeowner insurance coverage. Otherwise, you could be responsible for paying some out-of-pocket money to cover the difference between the cost and your limit.

7. Hire A Reputable Roofing Professional To Handle The Partial Roof Replacement

roofing professional walking on the roofPoor craftsmanship from the roofing contractor could lead to a far more complex claims process. To avoid concerns with less than ideal results, it is important to hire a contractor who has quality reviews and experience with partial roof replacements in your local area.

It is also important to find a contractor who stands behind their work and offers to fix any issues that were not adequately addressed initially at no additional cost. In most cases, by simply choosing an experienced and well-reviewed roofing company, you can avoid headaches during the repair process.

8. Make Necessary Accommodations Before The Roofing Contractor Arrives

Last but not least, be sure to make your property and roof accessible to the roofing contractor before they arrive. You or another adult in your household will likely need to be there to meet them for their first visit, so schedule a time that is convenient.

In addition, be sure to notify everyone in your household to avoid any distractions during the service. For more extensive roof replacement projects, notifying your neighbors may be helpful as well, particularly if loud noises will be involved in the replacement project. Of course, the contractor should be able to help you through the entire process.

Partial Roof Replacement vs. Full Roof Replacement: Which Is Needed?

Partial roof replacement is not always the best choice for repairing a damaged or outdated roof. In some cases, you can actually save money with a full roof replacement long-term. This is largely because fewer repairs will be needed long-term.

Also, a partial roof replacement that does not address concerns with other areas of the roof could lead to higher energy costs and damage inside the home caused by water or rodents that invade through damaged areas. When deciding whether a complete or partial roof replacement is necessary, you, and your insurance provider, should take the following factors into consideration:

  • The age of the roof
  • The nature of the damage
  • The number of shingle layers
  • Aesthetic considerations

Of course, the roofing contractor you choose should be able to provide a professional recommendation to help you decide if a complete or partial roof replacement is necessary. However, it is helpful to understand when one may be needed over another to ensure any damaged areas related to the nature of the claim are covered during the replacement.

How Long Does A Partial Roof Replacement Take?

construction worker on a renovation roof covering it with tiles using hammerA partial roof replacement can take anywhere from one day to a week. The exact amount of time depends on the severity and size of the damage. Bad weather and other disruptions may also push the timeline back as well. Roof replacements can be loud projects as well. Subsequently, ensuring your children are informed is helpful. Keeping your pets in the quietest place of the home may be helpful as well.

As mentioned previously, you can also notify the neighbors, so they understand why there is noise coming from your home. With that said, an experienced roofing company understands how to minimize the disruption for your family and neighbors and can ensure that your property, lawn, etc., are not damaged in any way. Hiring a reputable roofing company can also ensure the project is completed in a timely manner as well.

Adelphia Exteriors Offers Partial Roof Replacement

Adelphia Exteriors can help you through the partial roof replacement process, answering any questions you may have along the way. We are licensed and insured, so there should be no concerns with your insurance provider when choosing our contractors to handle the project for you.

To learn more about how our experienced and professional contractors can help you with partial roof replacement, contact us by message online today. A member of our experienced roofing team can guide you through the insurance claim and repair process for a stress-free partial roof replacement experience.

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    Della Rodrigues
    Della Rodrigues
    20:22 20 Sep 21
    Adelphia Exteriors did a great job of replacing several of our windows. They were polite, quick, professional, and the new windows look great! Highy recommend their services.read more
    Matt Driskill
    Matt Driskill
    17:02 21 Jun 22
    Adelphia redid my attic insulation. Couldn't be more pleased with their work and service! Christos was an absolute pleasure to work with every step of the way!!! The actual work was fast. Only an hour or so. Christos came back by to inspect the work and sang an Opera song for myself and my daughter. Was a job well done, and a performance that we will remember forever. Will absolutely be calling Adelphia back in the future : )read more
    -silly vibes- Silly vibes squad
    -silly vibes- Silly vibes squad
    21:17 06 Jun 22
    We had 11 oversized windows replaced by Adelphia. Throughout the entire experience, from the first estimate to the final project, we we extremely happy with the process. Adelphia kept us brilliantly informed at all stages and all of the people who completed the work were very professional, knowledgeable, and polite. The crew who completed the actual replacement were a wonderful group. The showed up early on day of installation and finished amazing quickly. I highly recommend Adelphia.read more
    Endroo
    Endroo
    17:55 03 Jun 22
    got windows and new sliding door installed. Adelphia Exteriors provided a financing option which was nice. I would say I'm pretty confident that I'd use them again for my housing exterior needs.read more
    Justin Boggess
    Justin Boggess
    22:50 23 May 22
    Had old insulation removed with new insulation blown in to my attic. Company was great to deal with. They were responsive and quickly responded to questions I had mid-install. The crews they brought in were on-time, efficient, and did a nice job. Would easily work with this company again.read more
    Anastasios Tetradis
    Anastasios Tetradis
    15:18 20 May 22
    We just recently employed this company to install siding on our upper storey. I have to say the service and product install was outstanding. George and Tim went out of their way to make sure all details of the install were complete including cleanup, and took their time to attend to details. They stayed over to finish one large side so my family were not inconvenienced next day with the banging. Tim kept me informed of status and invited viewing of progress. George was patient and meticulous. Both were focused on doing a great job and it shows. Neighbours have also been outside to praise their work. George kept me up to date and the job moving- I knew I could rely on him if a problem occurred, but that didn’t happen. Chris has to be included too as part of the team, because his no-pressure sales pitch is why I chose the company. Thank you for the great experience with your company and work ethics of your team- it has made a huge difference to our property and I may add our lives.read more
    John Blevins
    John Blevins
    16:11 22 Mar 22
    We had siding and gutters installed. Great company with awesome customer service. Would use them again for anything I need on the exterior of my house.read more
    Luke Waldron
    Luke Waldron
    11:14 01 Mar 22
    Highly recommend using them! I hired them to blew in insulation to my attic and I am amazed with the results. They were courteous, thorough, followed thru, and communicated.read more
    Ryan Boyle
    Ryan Boyle
    20:11 14 Sep 21
    Everything went smoothly. They only needed one day to replace all our windows.
    Carl Ficken
    Carl Ficken
    13:42 30 Dec 21
    We were extremely pleased with Adelphia Exteriors. Once our sliding glass door and windows arrived from the manufacturer, Adelphia scheduled installation the next day. Workers arrived early, worked hard, did a fantastic job, and cleaned up. Highly recommend.read more
    Catherine Cox
    Catherine Cox
    01:23 02 Nov 21
    This was our 4th project with Adelphia Exteriors. Last year they replaced all our windows; replaced the original vinyl siding; and replaced our original gutters and downspouts. This year we asked them to come back to replace our 24-year old roof shingles that had become stained and looked terrible alongside all the other new exterior features. Once again Adelphia did a wonderful job at a competitive price. They went the extra mile to make sure that we found the particular color and style of shingle that we wanted to match the siding work they the had done in 2020. Adelphia is a family-run business that is committed to making sure their customers are completely satisfied. I would highly recommend them for any of your exterior home improvement needs.read more
    Hans Lellelid
    Hans Lellelid
    20:10 18 Oct 21
    We used Adelphia to replace our windows. We had a few estimates and while the VinylMax windows may not have been quite as premium as the other option we were seriously considering, the product got great reviews and Adelphia in particular was highly reviewed and left a great impression. And pricing was very competitive too. The windows arrived before predicted and installation started exactly when scheduled and wrapped up ahead of schedule. The installer did a great job of cleaning up afterwards and accommodating our tiny house that doesn't necessarily allow for all furniture to be far from windows at the same time :) Definitely would use them for other projects in the future.read more
    Kevin Stone
    Kevin Stone
    20:31 21 Sep 21
    Great service and price for new windows in my home. Major renovation project and Adelphia Exteriors was only window company willing to give me a ballpark estimate with me giving estimated window sizes and them not seeing the house, so I could budget all the renovations to figure out if I could do windows. NO hard sell like other window companies. I took my time and signed the contract 1-2 months later after they gave me a firm quote. Very happy with the result.read more
    David Burns
    David Burns
    14:51 09 Oct 20
    I contracted Adelphia to paint my living room, dining room and a hallway. The two tradesmen arrived exactly on time on the first day and prepared the areas. They filled holes, repaired a long crack on the ceiling and two on one of the walls then painted the ceiling. They came back on time the next day to add a second coat of paint on the ceilings and to paint the walls and trim. The painters were courteous, polite and worked hard with just a short lunch break both days. Their clean up was excellent and the job was outstanding. This is the second time we have hired Adelphia, and in both instances my wife and I were very pleased. I would not hesitate in recommending them.read more
    Tarik M
    Tarik M
    12:37 25 Aug 21
    Their prices were the best when we bid the job. Their workers were very efficient, professional. They did a great job and cleaned out after they left. They even took the old window screens and debris with them. And it’s a family company. We’re thinking of them for the roof next. Great job!read more
    John Davenjay
    John Davenjay
    20:29 07 Jun 21
    Working with George and the team at Adelphia Exteriors was top notch. I'm glad I went with them. It was a smooth process, they worked with me each step of the way to make sure I was getting what I wanted. They were responsive, flexible and professional. I only have positive feedback to share. It was a good experience from start to finish.read more
    Vivek Shankar
    Vivek Shankar
    21:30 20 May 21
    The Adelphia team was great from start to finish when we had three windows installed in the basement. It was a bit tricky -- one competitor said they couldn't do the job. Adelphia didn't flinch at all. I'm now enjoying sitting in the basement with the windows open on 85 degree day. Choose these guys!read more
    Thomas Melito
    Thomas Melito
    17:45 26 Apr 21
    We used Adelphia to replace the insulation in our attic. Due to the need to schedule the work for after a different contractor completed a repair of the ridge vent, we needed some flexibility on their part. This was handled with patience and understanding. The actual work was done very professionally (both the removal of the old damaged insulation and the installation of the new). The workers arrived on time, maintained a very clean work site and were very polite and respectful. I highly recommend this company.read more
    Frankie Mcdaniel
    Frankie Mcdaniel
    17:49 17 Mar 21
    We hired Adelphi Exteriors to replace our roof, siding, and gutters for our house and could not be happier with their great work. They were very professional, thorough and the work was done in a timely manner. They are a family owned business that we found though a friend who has used them multiple times. I would highly recommend them. We are also planing to use them to replace our windows in the future.UPDATE!!! Our windows have now been replaced and I am still just as happy with their service. I have also requested a quote for painting in the future.read more
    Charles Ide
    Charles Ide
    15:23 17 Mar 21
    This company is great! I had quotes by three different companies to replace windows, paint our brick, install new siding, install new doors, install new gutters/down spouts, plus add new insulation! Adelphia was the only company I contacted for an estimate that would take care of all my needs with one contract. This is a family owned company that has been extremely responsive throughout the entire process. Our initial appointment was with George, who wrote the estimate, the contract, and was our main point of contact; Vickie (mom) runs the office and frequently coordinated with me by phone; and Nick (dad) founded the business in the 1980s and oversaw the painting. The painting is second to none. multiple coats with the highest quality materials looks beautiful! Next came the exterior siding. We wanted to replace our original siding and decided to change it to vinyl shake! You can see the results in the before and after photos. We are thrilled with the results! The replacement doors and windows were installed efficiently and are so beautiful. We selected Adelphia based on their competitive pricing and excellent reviews on Angie's List and Yelp. George worked with us at every step along the way to make sure we were satisfied. The contractors that Adelphia use are careful, professional, punctual, and do excellent work! The original contract included a thank you note by George that said they were determined to exceed our expectations, well, they delivered! I highly recommend Adelphia Exteriors for their value, workmanship, and personal attentiveness.read more
    Denise Kidd
    Denise Kidd
    23:36 12 Jan 21
    They were wonderful. Prior to signing up with them, we met with multiple other companies who tried to hard sell us into signing the same day to receive a discount. When George walked into my house I immediately told him we would not be signing on day one, and he laughed and said no problem! He was so agreeable and so easy to work with and the fact that he comes from a family business, I just had a good feeling about them. Not once did he try to hard sell us and pressure us to close, he gave us plenty of time to ask lots of questions and visit a show room in order for us to make our decision. They just finished installing some amazing windows, approximately 25, and a brand new front door. We are absolutely thrilled with the product and the quality of their installation and cleanup. They are a good company to work with! And I would not hesitate to use them again!read more
    Bhakti Modha
    Bhakti Modha
    18:04 28 Oct 20
    Had a great experience with Adelphia exterior who replaced the attic insulation and air sealing for my home. Rob was awesome, very thorough & professional. Highly recommend Adelphia Exterior for anyone looking to get their insulation done!read more
    Frank Muth
    Frank Muth
    20:58 25 Aug 20
    Wow wow wow! This is a great company. Had the entire inside of the house painted, shutters painted and front door replaced. Nick and George were incredible. Vicki rocked all the coordinations and the crews were professional very courteous and did fantastic work. I will use them again for our next project.read more
    Christopher Capannola
    Christopher Capannola
    00:33 19 Oct 20
    From our initial consultation with Rob until the job was completed, our experience with Adelphia Exteriors was great! Rob was very easy to talk to, made sure we understood all our options and answered all our questions. There was absolutely ZERO pressure and no attempt to upsell us on anything. The install of our 19 windows was done in one day, the crew was on time and did a great job. We couldn't be happier with the windows and would recommend Adelphia without hesitation.read more
    Cynthia Segura
    Cynthia Segura
    21:03 27 Oct 20
    We hired Adelphia Exteriors for our Exterior Painting Project and we are very happy with the finished product. Rob provided the estimate within one business day. Viki promptly and kindly helped us to schedule the start date after our project was delayed because of weather. Nick visited the job site to make sure all the exterior colors accurately matched the existing colors. Nick made sure all the areas that required maintenance painting were carefully addressed. He even replaced our house numbers which was a way better option than painting them. He also meticulously worked with Diego to reinstall two shutters that were already partially detached. Diego and his painting team did an amazing job painting all our exterior brick, porch, garage frame and metal light fixtures. They were very detailed in their painting services and professional. Again, we are very pleased with the results.read more
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