Commonly Overlooked Costs In Insurance Roof Replacement Quotes

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Has storm damage destroyed your roof and the cost of replacement is is out of reach? If so, you have likely turned to your homeowner's insurance to provide coverage for replacement. Unfortunately, roofing estimates from insurance adjusters don't always account for the actual cost of replacement. With the help of a roofing supplement estimate consultant, you may be able to appeal your insurance companies proposed claim settlement so it reflects the actual cost of replacement. The following are a few items that an adjuster may not include in your payout quote.

Ridge and Valley Shingles

All too often, the adjuster simply measures the square footage of the roof and uses that to estimate the amount of shingles needed. This would be fine if your roof was a single plane, but most roofs have at least one ridge and many have multiple ridges as well as valleys. The shingles used to cover ridges and valleys are not the same as the standard finishing shingles. In the case of architectural style shingles, the ridge and valley shingles may cost more than the finish shingles on the rest of the roof.

Starter Shingles

Shingles are installed so that they overlap the course of shingles beneath them, which is what in parts creates the waterproof barrier. The first row of shingles doesn't have a row beneath them, which can lead to leaks down the road. This problem is solved with a strip of starter shingles. These shingles aren't as wide as the rest of the shingles because they aren't designed to have a protruding edge. Instead, they are placed with their edge flush to the edge of the roof and are completely covered by the first row of finish shingles.

Flashing and Ridge Caps

Flashing provides that all important seal around chimneys and other rooftop protuberances, while a ridge cap provides a needed vent along the peak of your roof. Although these items could technically be reused in certain cases, more often they also need to be replaced when the roof is replaced -- especially if your roof was damaged by storm winds or hail. If flashing and caps aren't included in the estimate, then you need to request a roofing supplement estimate consultant payout from your insurance.

Finishing Work

A roof requires a whole bunch of finishing work to look its best. Vents, eaves, and other exposed areas often need a fresh coat of paint. The drip edge of the roof may need replaced, or the soffit vents may require rescreening. Gabled roofs may need to have new cornice covers installed.

Your supplement consultant can work with your roofer to determine the true cost of a new roof so you can provide an accurate quote when you appeal your insurance claim.

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