Free Residential Roof Inspection Kansas City

Kansas City Roofing inspection services near me are performed for various reasons. The most frequent reasons for roof inspections include:

• To assess the extent of storm related roof damage
• To assess quality of workmanship
• To assess condition of materials
• To determine the probable estimated life expectancy of the roof
• To provide recommended general maintenance
• To determine the cause of leakage

Regardless of the reason for roof inspection services, roof inspections are best when performed “upon the roof” (not from the ground) by someone who has the training, knowledge, and experience to identify all relevant factors, including:

• Normal weathering
• Manufacturer defects
• Storm related damage
• Intentional (i.e. mechanical/hammer-caused) damage
• Un-intentional (i.e. foot fall, tree limbs, rodents, etc) damage
• Standard methods of installation
• Compliance to local code requirements
• Proper integration of roofing with siding
• Proper ventilation

Looking for Professional and Honest Roof Inspections Near Me?

Larry Vaught Roofing is the Roof Repair Company you can count on.

If you suspect your roof has sustained storm damage, here are some key issues to be aware of during roof inspection:

• Unless you are 100% confident that your property suffered extensive storm related roof damage, we advise having the extent of damage assessed by an honest, qualified, “local” roofing contractor BEFORE you file a claim with your insurance company.
• Home owner’s insurance premiums are affected by the total dollar amount of insurable losses you have been reimbursed for over the years. But, premiums can be affected by the “frequency” of claims filed. If you file a claim and no damage is found (i.e. you are not paid a dime for the claim), your premiums may still be negatively impacted simply for having filed the claim! So, it’s best not to file a claim until you have good reason to file claim.
• Roofers frequently inform homeowners that there is significant storm related roof damage when there actually is not any significant damage.
• Homeowners frequently call upon roofing contractors to assess the extent of storm damage to roofs, and rightly so. But, keep in mind; roofers do not determine whether or not an insurance company is going to pay a claim. That is the sole responsibility of the insurance company.
• To dispute a claim , the typical homeowner’s policy provides specific terms for settling disputed claims.
• Larry L. Vaught Roofing refuses to show favoritism toward either party (i.e. homeowner versus insurance company) when assessing storm related roof damage. We follow criteria established by Haag Engineering (a recognized authority in the assessment of hail damage to roofs). We report our findings strictly according to those criteria (i.e. accurate and honest).
• Insurance companies occasionally allow the total replacement of a roof when there is actually little or no roof damage. These are a few reasons which may explain why:
  • 1) When damage is widespread, insurers call in catastrophic loss adjusters from out of town to assist local adjusters, so they can process claims in a timely manner. These catastrophic loss adjusters often earn a commission, based upon the dollar amount of claims they pay. So, they may be more willing to pay claims since they benefit monetarily for doing so.
  • 2) Insurance companies routinely engage in “re-insurance” whereby, once an insurance company pays out a certain dollar amount in claims, another insurance company–paid to assume the risk of losses beyond that threshold– covers the remaining claims. As a result, when an insurance company realizes they are going to reach the maximum amount of losses they will owe for, they may be more willing to settle individual claims, simply because they are going to pass on the remaining losses to another insurance company. Of course the opposite can hold true when an insurance company determines that they are not going to meet the maximum they would be responsible for. In those instances you may discover that an insurer is less generous paying claims.
  • 3) “Neighbor-itess” is yet another reason why an adjuster may allow for replacement of a roof when it has sustained little or no damage. Adjusters understand that frustration is likely from the insured if they deny roof replacement when one or more neighboring roofs have been deemed total losses. Even if they find no damage to their insured’s roof, they realize their decision not to pay could potentially result in the loss of a long time customer. In those instances, they may pay simply because the neighbor is getting a new roof (i.e. “neighbor-itess”).

Larry L. Vaught Roofing has the tools and expertise to assist you with your insurance claim.

• Larry L. Vaught Roofing has the tools and expertise to assist you with your claim. In those rare instances when an insurer offers a settlement amount significantly less than the amount we have quoted, we are often able to find discrepancies which result in the insured receiving a sufficient loss amount to cover our quote. Regrettably, some insured individuals simply settle for an inferior job because the settlement didn’t provide a sufficient amount to get the job done correctly.
• We advise that you always receive a written proposal “before” contracting to have any work performed. The proposal should clearly specify the scope of work that the contractor proposes. The proposal should also provide the exact amount that the contractor will charge to perform that work. Many contractors want you to simply sign over your proceeds from the claim to them with assurances that in return, they will take care of all the damage. While letting someone “handle it all” may be convenient, there is a huge trust factor that is often not deserved!
• Never contract with a contractor that is going to pay your deductible. It is illegal! If they are willing to cheat your insurance company and face potential criminal charges, why would you trust them not to cheat you? They obviously aren’t just being nice and pulling money out of their pocket to help you out. They are taking the cost of your deductible (or even more) from the amount of goods and services being provided toward your roof installation.

Use a local contractor to replace your roof!

• Use a local contractor to replace your roof! Out-of-towners usually leave once the work is done. Because of this, it’s unlikely you get them back to fix any problems once they leave. Keep in mind that out-of-towners are good at disguising their place of origin. One common trick is to buy the name of a small local business so they appear to be local. In most instances that “local” business will conduct business only until their storm damaged roofs are complete. Then they leave and close shop.
• Roof replacement due to storm damage is big business. So much so, that many roofing companies do nothing but travel the country replacing storm damaged roofs. They are sales and marketing experts, but typically employ no trained roofing installers. They tend to rely solely upon sub-contracted laborers for their roof installations. Typically, the quality of installations by this sort of company are extremely poor and we would caution you to beware. Hire the best roofing companies!

Frequently Asked Questions

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