Never had your home’s roof replaced? What should you expect and what is the process?
What to Expect:
- You will have a direct line to a PSR project manager and the PSR estimator. If you have a question, ASK. We want you to have a firm understanding of the project.
- Replacing a roof is a highly intrusive type of construction. Depending on the size, height and steepness of your roof, there will be 3-10 craftsman working diligently around your home from early morning until sunset.
- No two houses are built alike. All homes will shake/vibrate during the steps of loading materials on the roof, demolition and installation. Items attached to the walls and ceilings such as frames, shelving, wall hangings and light fixtures will move and potentially fall. REMOVE the loose items from their resting spots until construction is complete.
- Plants, trees and shrubs may be damaged by falling debris. We do our best to protect the landscape, but we cannot guarantee they will be free from damage.
- Your yard will show signs of heavy foot-traffic.
- Nails, staples and other debris will remain in your yard after construction. We will make multiple trips around your property during and after construction picking up loose debris. We cannot control the height of a lawn or the contents of a landscaped area.
- Items on patios, porches and landscaped areas will need to be moved at least 50 feet away from the work areas to prevent damage and create a safe working environment.
- We make the effort to protect the edges of gutters and other metals. They will be marked from loose debris and ladders. We are not responsible for this damage but will apply touch-up paint to these areas if you supply the paint.
- A trailer for debris will be parked in your driveway a day prior to the beginning of the project until the day after the project. Your PSR representative will work with you on the placement location and the duration of the trailer.
- Unfortunately, accidents do happen and items on the exterior get damaged such as windows and doors. We ask that you let us know immediately and photograph the damage. We do photograph the entire perimeter before and after projects as well. We will repair and/or compensate you for damage we create.
- You and your property will be treated with the utmost respect.
A storm has come through with high winds and/or hail.What is the process for utilizing your insurance, what are your financial obligations and your responsibilities?
The Inspection, Insurance Claim and Installation Process
- After we have inspected your property, we will go over the details of our findings with you and explain the steps involved in repairing the damage. If needed, we will suggest that you file a claim with your carrier to start the process.
- At this point you will sign a “Work Authorization” agreement provided by your PSR representative. This agreement allows us to work on your behalf, with your carrier, to reach an agreed scope of repairs and the price to perform the repairs safely and in the like, kind and quality of the existing construction.
- You will file a claim by calling your agent or the carrier’s claims office. The claims office number is typically found online. Your agent should be notified so they can help answer any questions on policy language and coverage.
- You will answer a few questions pertaining to the extent of the damage and the storm itself. You may not know all the answers and that is OK. You can tell them the a PSR representative inspected the property and there’s damage that needs to be repaired due to the storm.
- You will receive a claim number. It is very important to keep this handy as it is your identifying number specific to your claim.
- An adjuster will make contact with you to set up a date and time to inspect the damage. IMPORTANT to notify your PSR representative of the appointment details including the claim number.
- We will meet your adjuster on-site to inspect all damage to your home including all exterior materials, structures and interior damage.
- After the inspection is complete, the adjuster will provide you with a scope of repairs and the funds allowed to perform the repairs. You will provide this information to PSR. We may or may not agree with the adjuster’s scope. We, as your advocate, will provide the carrier with our version of the scope of work. Once we come to an agreement, the repair process can begin.
- The carrier will provide a worksheet that details the repairs to be completed and the pricing associated with each step. They will also allow for material sales tax and contractor overhead and profit.
- Each item in the scope or estimate will be depreciated in value based on the material and its age. This is known as the Actual Cash Value or ACV. This is the initial amount you will receive, less your deductible, from the carrier when you receive the scope of work/worksheet from the carrier.
- Your check may be written to you and your home lender. You will need to provide the check and estimate to the lender for their endorsement. In some cases, the lender will retain the funds.
- PSR will provide you with a contract that includes the details of the carrier’s estimate. This will be our agreement to perform the repairs. Please note, it is your responsibility to hire a contractor to perform the repairs, not the carrier. NOTE: Your carrier does not require you to attain multiple bids to find the lowest price. It is the contractor’s responsibility to come to agreed scope and price with the carrier.
- PSR will go over the details of the estimate with you and present you with material samples to select for your roof, gutters, paint, siding, etc. Once selected, PSR will present a schedule and perform the work as specified by the estimate, local building codes and manufacturer’s specifications.
What is your Financial Obligation?
- YOU ARE ONLY FINANCIALLY RESPONSIBLE FOR YOUR DEDUCTIBLE. There are no hidden fees or charges. This is why Steps 6-8 are important.
- Once materials are delivered, PSR will invoice you for the ACV amount. This amount is due upon receipt of the invoice.
- When the project is near completion, PSR will send a final invoice to the carrier for the work that has been completed plus any supplemental items that may have been revealed after the initial estimate was written. No money is owed by you at this time.
- The carrier will send a check for the supplemental charges and any depreciation funds withheld from the first or ACV payment. (Note item 10) This check may or may not include your mortgage company and/or Prairie Shield Roofing on the check. If so, you need to have all parties endorse the check.
- Once you have received the last check from the carrier and all parties have endorsed the check, you will be invoiced from PSR for the completed work. Payment is due upon receipt.
- When the invoice is paid in full, you will be sent a packet of information detailing the material and labor warranties.
What are your Responsibilities?
- Contact the carrier to make the initial claim.
- Provide PSR with all insurance documents related to the claim.
- Make sure all parties listed on the check(s) have endorsed the check(s) properly.
- Select materials for installation.
- Communicate with your PSR representative on project procedures.
- Remove items that could be damaged from falling debris or vibration from the work areas. This includes wall hangings, patio furniture, vehicles, landscape décor, etc.
- Keep all pets, children and others away from work area until the project is complete.
- Do a final walk-through with your PSR representative and pay your invoice(s).