For Roofers: Hail Damage Checklist
checklist

Too many roofers aren’t documenting their damage properly. We want contractors to know how to properly document their damage whether they work with us or not. We think that the best thing for the industry is knowledge.

Now you may already know about some of these suggestions. But I’ve seen too many contractors not handling their cases properly.

I’ve also seen contractors act like they know all of this already and walk away (it’s a good test of whether they are good people to work with). Everyone should be be open to learning and sharing new knowledge.

The reason we do this: the best time to document damage is now, after the storm. One of these cases may end up on your desk a year from now and if it was documented properly now, the better chance of winning the case.

So here is the checklist for you:

Property Owner Notify Carrier

They should notify their carrier that they will be filing a claim. While the statute of limitations can last for 1-2 years depending on the state, it’s best to let them know right away. They can file later after either you or Big Blue Claims builds a case for them. 

If they are ready to file a claim now, we can also do that for them. But either way, their carrier needs to be notified.

Photo Notes

Too many contractors think they just need a 100 photos but the quality is poor and no indication of where the photo was taken on the roof. Was it on the Northeast side of the house? This is important when comparing to the trajectory of the storm path.

Attach notes to photos using a service like Company Cam. Notes should say, for example, that the photo was taken on the North side of the house near the NE corner.

Map out the photos

Even better, draw a map of the roof that shows where each photo was taken. You can number the photos on Company Cam and then put the numbers on your map.

20 Good Photos

Good photos will prove a case. Photos showing a hail hit between 2 shingles will prove a case. If a hail hit is on just on shingle they can say that is just weather wear and tear over time. Wear and tear won’t cause impact on 2 shingles. That is in obvious hail hit.

Use Railroad Chalk on Metal

I had a contractor hang up on me when I started to talk about chalk. I’m not just talking about any chalk. This is one of the best tips I learned and it can win a case.

Railroad chalk is very soft and will pick up any hail damage easily when you rub the chalk on it’s side across the service. Cases can be won on hail impacts on metal valleys alone. So if you can properly mark it out with railroad chalk and take good photos then you’re so much closer to winning your case.

That contractor sure missed out, but he wasn’t the kind of person anyone wants to work with was he?

Get Roofs Covered.

Insurance companies require in their policies that property owners take steps to mitigate damage after a storm or other types of losses. They won’t pay for any water damage if you don’t take the steps to mitigate any future damage.

This is where roofing contractors come into the picture. Mitigation includes covering the roofs with tarp and anywhere else water can get in. It may not look attractive but the insurance companies will pay for you to tarp including labor.

Conclusion

We’re about building long term collaborative partnerships here. This means sharing knowledge whether you work with us or not. Or becoming partners on cases.

A lot of this stuff may seem obvious to you. Hopefully their was a golden nugget in here you didn’t know about. Most of this is focused on homeowners. We have some commercial roofing tips as well.

Bottom line, you should get this stuff done now / or right after the storm hits. You’ll more likely win your case.

If you end up working with us, a lot of this will fit into our process. Working with us will speed up the whole process. We can contact the insurance company for your customers and get tarp costs covered off the bat.

Email us for the checklist so you can use it for every project.

Also, let us know if there is anything from your experience we can add or if you have any questions on any of these points.

It’s important in this industry that we work together and share knowledge. Otherwise the insurance companies will win.

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