Will Insurance Cover Roof Damage Repair?
By Macomb, Oakland & Wayne County’s Best Roof Repair Company

It is wind, storm and tornado season in Macomb, Oakland & Wayne County – and one of the most common questions we get from customers is “Will my homeowners’ insurance cover the cost of my roof damage or repair?”

Will Insurance Fully Cover Roof Damage Repair?  Wayne County

Whether or not your homeowners company covers your roof damage repair will depend:

• What caused the roof damage
• What type of insurance coverage you have purchased.

So, if you have suffered roof damage due to spring weather conditions, your first step should always be to get out your policy and read it carefully – so you know your rights. If you hire Aaron’s Restoration to repair your roof damage, we will work with you to ensure that your insurance company covers as much damage repair as possible, as allowed by your homeowners’ coverage.

Typically, if the damage to your roof is caused by a natural disaster or accident – such as a tornado or wind storm –  a homeowners policy will pay for your roof damage repairs. However, some homeowners policy’s specifically “exclude” coverage under certain circumstances – and certain repair won’t be covered.

“Named Peril Insurance” is a type of insurance that will only cover the cost of roof repairs that are specifically named in the insurance policy. Named Peril Insurance usually does cover damage from events like lightening and hail damage – but may not cover other things like tree damage or falling debris.

“All Risk Policies” are more liberal and will cover everything – except for certain limited causes of damage that are specifically excluded and listed as exceptions.

Will Insurance Cover a NEW Roof or Just Repairs?

If the cause of damage is covered by your policy – whether your homeowners insurance covers the cost of a complete roof replacement will depend largely on the extent of the damage. If the insurance company believes that roof damage repair could fix the issue, your insurance company will want to fix the damage rather than replace the roof. Obviously this is because they want to spend as little money as possible on your claim.

A good roofing contractor – like Aaron’s Restoration – will be happy to offer a full roof inspection and provide you with the information and documentation your insurance company will need to assess whether a new roof will be covered, and to get you the maximum claims coverage under your policy.

Does Age Affect Insurance Coverage of Roof Damage Repair?

Certain insurance policies may outline age requirements for roof replacement or repair. For example, if your roof is older than 10 years, some insurers only allow reimbursement for the depreciated value of your roof – instead of the original full value.

In the extreme weather conditions of Macomb, Oakland & Wayne County residential roofs will naturally deteriorate over time – as well as be damaged by extreme weather events such as tornados and wind storms. Reading the fine print of your insurance policy now, will help you file a claim should the time come that your roof needs to be repaired or replaced.

We’ve repaired hundreds of roofs in Macomb, Oakland & Wayne County!

If your roof has been damaged, Aaron’s Restoration has extensive experience in providing roof estimates for insurance claims – helping our clients navigate the process of getting their roof repair or replacement covered to the maximum extent possible under their insurance coverage.

Part 3 – Dealing with an Insurance Company on Fire Damage Repair Claims
in Macomb, Oakland & Wayne County

This is part 3 of a 3 part series on fire damage repair, to help you understand the emergency steps & and the insurance issues of fire restoration.

Our compassionate team of fire damage repair & restoration experts understands that experiencing a fire in your home is a terrifying ordeal. And then – on top of your loss – you now have to deal and negotiate with your Homeowner’s Insurance Company.

We have assisted hundreds of homeowners in Macomb, Oakland & Wayne County, “come out on top” after the devastation of a fire. We are here to help you every step of the way to make sure you get the fire insurance settlement you deserve.

Filing Insurance Claims for Fire Damage Repair – Wayne County

You have been paying your homeowners premiums for years! And now, after a devastating fire, your homeowner’s insurance company is trying to save money by “cutting corners” on your insurance claim.

Here are some tips to keep in mind when dealing with your homeowners’ insurance on a fire insurance claims.

1. Get an Advance on Your Fire Damage Insurance Claim

Most fire insurance policies will give you an “advance” for living expenses, toiletries, clothing and other necessities fairly quickly. If you have been displaced by a fire – or you have lost items essential for your day to day life, call your insurance agent and politely but firmly request an advance.

This advance will be deducted from the total amount you finally receive from your insurance company.

2. Inventory Fire Damaged Property with Lists & Photographs

This can be difficult – both from a memory standpoint and from an emotional standpoint. Make sure everyone in the household thoroughly lists all lost or fire damaged property, too. Physically go through room by room – if safe – to make sure you record everything. If the structure is not safe, mentally go through every room and make a list.

A “proof of loss claim” will be required by your Insurance Company. This is a form on which you list every item you lost, along with the value of each.

3. Do NOT throw away fire damaged property until the Insurance Adjuster has seen it

Be sure not to discard fire damaged items until the insurance adjuster sees everything and includes them in the coverage. The insurance company may refuse to compensate you for items they cannot see themselves and verify.

Our fire damage repair & restoration team can help you move these damaged items to a safe place that does not create a hazard, until your adjuster has seen them. Then we can safely remove or dispose of them for you – so that you do not have to deal with the mess.

4. File a Fire Damage Insurance Claim ASAP

Once you are safe and your property has been secured from further damage, call your homeowners’ insurance agent immediately. If it is after hours and you have internet access, you may even be able to file your initial claim online. Submit your “proof of loss claim” for the fire damage as quickly and thoroughly as possible – and include all of the items you lost, along with their value.

Insurance adjusters are very busy – and insurance claims are handled on a first-come-first-serve basis. So get your fire damage repair claim in as soon as possible.

5. Keep your home secured (boarded, fenced, etc.) to prevent further loss

Even though you are still reeling from your fire, the insurance company will require you to continue to take “reasonable care” of your property. Insurance companies may actually reduce your insurance settlement if they decide that you didn’t try to “mitigating damage,” (i.e. reduce damage) by securing the property.

Our fire restoration experts can secure your property – with boarding up holes or windows, temporary fences, and more, to ensure that you “mitigate” any further damage.

6. Keep an Inventory of all Living Expenses

Your insurance company should reimburse you for any living expenses you incur while displaced from your home. This might include things such as: hotel stays, eating out, using a laundromat, etc. However, they will need itemized lists and receipts wherever possible. And they will only reimburse you for expenses that you would not have otherwise had if you had not been displaced. So keep carefuly records (by date) and retain all receipts.

7. Hire a Fire Damage Repair Company Experienced in Insurance Claim Estimates and Paperwork

The insurance company will require your fire damage repair or restoration contractor to provide detailed estimates of the fair market value or cost of replacement of damaged property before the fire.

The insurance company will send out their adjuster – but remember the adjuster works for the insurance company and is paid to protect the insurance company’s best interest, not yours.

Hiring a repair or restoration contractor who is experienced in how insurance companies handle fire claims is one of the most important things you can do after a fire.  They are there to provide the documentation needed to protect your best interests!

We can maximize your chances of getting the best insurance coverage because we have worked with every major homeowner’s insurance company in Macomb, Oakland & Wayne County.

We Are the Best Fire Damage Repair Company in Macomb, Oakland & Wayne County

We know how insurance companies handle fire claims and we get them what they need – quickly and completely – so that you will get your insurance settlement as soon as possible. We will help you work with your homeowners’ insurance company to get the maximum claim coverage possible.

If you need fire damage repair in Macomb, Oakland & Wayne County call us immediately, 24/7 365 days a year.

Click Here for Fire Damage Repair Article Part 2

Part 2- Fire Damage Repair: How to Save Personal Property in Wayne, Oakland & Macomb County

This is part 2 of a 3 part series on fire damage repair, to help you understand the emergency steps & and the insurance issues of fire restoration.

We have helped hundreds of homeowners in Wayne, Oakland and Macomb County restore their homes after a fire. Our compassionate team of fire damage repair & restoration experts understands that nothing is more devastating or terrifying than experiencing a fire in your home. We have the experience, equipment, products & skill to restore, repair & salvage as much of your personal property as possible.

Fire Damage Repair Steps to Save Property –Macomb County

After we take necessary emergency steps such as boarding and tarping the exterior, stabilizing the structure if necessary and removing water, we immediately move on to protecting and preserving whatever fire damaged personal property is salvageable.

Beware of companies who just toss everything because it is cheaper and easier for them!

We care about your property because we know how important your photos, books, artwork, furnishings and clothing are to you. We meticulously work to save absolutely everything possible. And we have the experience, equipment, know-how and expertise to salvage more fire damaged property than you probably think possible.

Step 1: Complete Drying of Belongings after Fire Damage

After standing water is pumped and soaked in water is extracted, we individual dry each book, toy, memento, document’ piece of furniture or article of clothing. Fast rapid drying prevents damage and odor from mold and bacteria.

• Air Drying
• Dehumidification
• Freezer Drying
• Vacuum Freeze Drying
• Vacuum Thermal Drying

Step 2: Removal of Smoke and Soot after Fire Damage

Specialized equipment, techniques and products are needed to remove smoke and soot from ceilings, walls, and other fire damaged surfaces. Depending upon what property has been damaged, we utilize a variety of specialized removal techniques, including: Dry Cleaning – Used for cleaning light residues or to pre-clean prior to wet cleaning.

• Wet Cleaning – where safe – to remove moderate to heavy residues.
• Spray and Wipe – for belongings that cannot be wet cleaned
• Foam Cleaning – for furniture and drapery fabrics that might shrink or bleed if wet cleaned
• Abrasive Cleaning – where safe – for sturdy or durable structures with heavy damage
• Immersion Cleaning – for belongings that can safely be dipped into a tub of cleaning product

Step 3: Sanitizing Property & Belonging after Fire Damage

We have safe & eco-friendly equipment and products that kill all germs, bacteria, mold or other toxins that may be starting to grow in damp or moist belongings. Our professional antimicrobial, antibacterial, and disinfectant will make your belongings safe again for you, your family and your pets.

Step 4: Safe Disposal of Contaminated Property after Fire Damage

We earnestly work to restore every piece of property possible after fire damage. But in some cases – for example heaving water damaged carpet padding – we may have to remove certain items.

Our trained staff of professionals will dispose of what cannot be salvaged in a neat, orderly and environmentally safe manner. So you are never left with any mess – and always can be rest assured than any moldy or contaminated carpet or other property is safely disposed of so there is never a danger to people or pets.

We Are the Best Fire Damage Repair Company in Wayne, Oakland & Macomb County

We will rapidly and compassionately make sure no further damage occurs and ensure your structure is safe. Then we will take every step to save, salvage, repair & restore your fire damaged property to its original condition.

If you need fire damage repair in Wayne, Oakland or Macomb County, call us immediately, 24/7 365 days a year.

Click Here for Fire Damage Repair Article Part 1

Click Here for Fire Damage Repair Article Part 3

Part 1 – Fire Damage Repair & Restoration
in Macomb, Wayne & Oakland County

This month Aaron’s Restoration is posting a three part series on fire damage repair, to help you understand the emergency steps, the property restoration & and the insurance issues of fire damage restoration.

As fire damage repair & restoration specialists, we have helped hundreds of Michigan homeowners restore their homes after a fire. We understand that nothing is more frightening – or more personally devastating – than experiencing a fire in your home.

We care about your home and belongings as much as you do and we have the experience, equipment, know-how and expertise to save as much of your property as possible – and to restore your Wayne, Macomb or Oakland County home to its previous condition.

Fire Damage Repair Steps – Oakland County

Step 1: Call a Fire Restoration Company ASAP

We understand that you are in a state of shock after a fire. But waiting to start restoration and repairs can make your situation even worse. Getting a fire restoration specialist out to your property immediately will enable them to board up any exposed areas to protect your belongings from theft and/or from inclement weather.

Fast action will also enable the restoration company to remove the water from the fire department before it seeps further into walls, carpet & furniture. And fast water removal also stops harmful and toxic mold, bacteria and germs from infiltrating and ruining your possessions.

Step 2: Immediately Board-Up and Tarp after a Fire

We are available 24 / 7 365 days a year to dispatch a careful, compassionate, professional board-up and tarping crew to your property.

This will ensure that wind, snow, rain or other elements do not further damage your home & property. Additionally, proper boarding will prevent theft and vandalism if you are forced to leave your property unattended.

Step 3: Professionally Remove Water after Fire Damage

The water removal process must begin immediately to prevent seeping into other undamaged areas – and to prevent the growth of bacteria and mold.  We have equipment that pumps out standing water, as well as extracts water that is trapped in walls, carpet padding and furniture. Click here to see more about water removal.

Step 4: Conduct Fire Damage Inspection Assessment

Every fire is different, and will require a unique and customized repair solution. For some homes, the actual fire may have been small – such as a contained kitchen grease fire – while smoke damage permeates the entire house. For larger fires, the damage from the water used to extinguish the flames may be even worse than the damage from the fire.

Our fire repair professionals will carefully inspect and test every room of your home, and every component of your home’s structure to determine the extent of the fire, smoke, soot and water damage. We will make sure the building is safe for occupancy. And we will prepare a written plan of action customized to provide the exact services you need.

Step 5: Contact Your Homeowners Insurance Company

We prepare the necessary documentation required for your insurance claim, to make the insurance claim process as fast as possible for you.

While we cannot tell you what your exact insurance coverage is without speaking to your insurance company – we can maximize your chances of getting the best insurance coverage for your fire damage. This is because we have worked with every major homeowner’s insurance company in Wayne, Oakland and Macomb County.

We know how insurance companies handle fire claims and we get them what they need – rapidly and thoroughly – so you get your settlement as soon as possible.

We Are the Best Fire Damage Repair Company in Wayne, Macomb & Oakland County

We will rapidly and compassionately make sure no further damage occurs and ensure your structure is safe. We will save & restore as much of your property as possible. Then we will work closely with your homeowners’ insurance company to process your insurance claim as fast as possible.

If you need fire damage repair in Wayne, Macomb or Oakland County, call us immediately, 24/7 365 days a year.

Click Here for Fire Damage Repair Article Part 2

Part 3 – Restoration after Flood Water Removal In Oakland, Macomb & Wayne County

This is the third part of this month’s 3 part series on flood water removal.

In anticipation of Macomb, Oakland & Wayne County’s spring rain storms and flooding, we are discussing the steps that should be taken by a professional flood water removal company to remove water and restore your home. In this article we familiarize you with the restoration steps that come after initial emergency water removal.

Damage Restoration after Water Removal – Wayne County

Move-Out & Pack-Out after Flood Water Damage

In most cases of flooding, we can professionally remove the water and restore your home without the need for you to move out.

However, if you home requires extensive restoration or cleaning – for example due to widespread water damage from putting out a fire – we can efficiently and affordably coordinate a complete move-out – to protect your belongings from further damage.

Inspecting Carpet & Carpet Pad after Flood Water Damage

We have the professional equipment to determine if ALL water has been removed – even the water or moisture you cannot see or feel. We utilize moisture detectors, hygrometers, and other meters to ensure there is no remaining moisture. We also utilize infrared cameras to find “hidden” water behind walls and ceilings.

Dehumidification after Flood Water Removal

Even though all water has been removed from the home, the degree of moisture in the air, furniture fabric, and curtains may still be too high. We employ powerful dehumidifiers to restore your ambient air quality to safe and normal levels.

We carefully monitor the dehumidifying progress using high-tech moisture meters until the all materials return to normal dryness levels.

Sanitation after Flood Water Removal

We have the professional technology to safely kill all flood water mold, germs & bacteria. Long after water is removed, hidden germs remain – only professional treatments ensure that all toxins and biohazards have been removed.

We have the professional testing equipment to ensure that no mold or bacteria remains in your home. Our antimicrobial, antibacterial, or disinfectant equipment and products make your home safe again.

Odor & Stain Removal after Flood Water Removal

Unfortunately, water damage leaves sickening odor and unsightly stains behind. Once we have removed all water and sanitized your premises we have the technology (such as air scrubbers) and the professional products that will lift stains and pull the odor from your home’s structure & furniture.

We will also paint, repair floors, ceiling and drywall, and do all other restoration services necessary to make your home look like new after your flood water damage.

We Are the Best Water Removal Company in Macomb, Oakland & Wayne County

If you have experienced flooding or water damage, please do not clean up the water yourself. Cleaning a flood yourself will take too long and toxic mold and bacteria will ruin your home & possessions and make you sick!

Call Aaron’s Restoration for immediate, affordable, professional water removal in Macomb, Oakland & Wayne County: 888.442.2766

Click Here for Flood Water Removal Article Part 2