Frequently Asked Questions

I see a lot of roofing companies in my neighborhood. Why should I use Red Top Roofing?

Red Top Roofing is a local company with a wealth of experience in dealing with insurance claims. Our knowledge of the process sets us apart from most of our competitors. The big boys are looking to turn numbers, they advertise all over the place, throw quotes out and hastily install jobs because they know their next job is coming from that big advertising budget. The small guys compete just on price knowing they can find a way to compromise quality to make up the money that they gave up when doing the deal. Red Top Roofing takes a completely different approach than both. We apply experience and intelligence to the restoration process, give market leading customer service during the process and rely on our customers to refer us to find our next job. If we don’t produce a product with a great deal of value then our company doesn’t exist. We are confident in our ability to provide you with a top notch product and unmatched service.

What does hail damage look like?

Hail damage is a dark spot on a roofing shingle where the granules have been knocked off. The asphalt underlayment may be revealed. Typically the dark spots are about the size of a quarter.

How do I know if my roof has hail damage?

It is usually impossible to know without checking the roof for damage. This involves inspecting the entire surface for any damage. If you have had hail or wind damage in your area, you will want to have your roof inspected right away. Unknown and untreated hail damage very often leads to bigger problems down the road.

What should I do if I have had hail or wind damage in my area?

Call Red Top Roofing and request a free hail damage inspection. Upon confirmation of damage, you will be able to file a “No Fault” claim with your insurance company. We will guide you through the insurance claim process, meet with your claims adjuster, and work with your insurance company to generate a “Scope of Loss” claim to restore your property.

Can my roof be repaired?

In some cases it can be repaired. To make that determination, the roof will be inspected both on the outside and inside to determine the extent of any damage. We will look for warning signs, such as stains on ceilings or walls, peeling paint, and missing shingles. We will also take into consideration the age of the roof. If the roof is within its lifespan and you are not seeing any other warning signs, then simply repairing or replacing the shingles should fix the problem.

Almost everyone recommends getting several estimates before choosing a contractor. Is this a smart thing to do?

There are many factors that go into calculating the cost of replacing a roof. These factors include the square footage, pitch, slope, accessibility, type of shingles used, height from the ground, removal of old roof, and labor. Our commitment to you is that you will not pay one dollar more than your deductible.

How much will it cost to replace my roof?

It’s very important that you feel that your contractor has the ability to do a high quality restoration. Period. Most people hear this statement and think “I need to make sure I’m not getting ripped off on the price of the job!”. Considering price is the worst thing that you can do and here is why: your maximum exposure financially is your deductible IF your contractor knows how insurance companies work. Here are a couple of scenarios that happen all the time.
You meet a contractor; get your claim approved and they do the work without reviewing the insurance paperwork because they don’t understand it. After the work is complete they present you with a bill that is $1,800 over the amount that the insurance company committed to you when your deductible was $500

You take everyone’s advice and get 4 quotes from different contractors. 2 are inline at around $8,000, 1 is at $9,500 and 1 is at $6,200. You feel like you are getting a deal from the lowest price and ripped off from the other 3 because there is so much difference for the same type of shingles. Your insurance company has agreed to pay you $8,500 for to replace your roof. You continue thinking “I can pocket $2,300, get a new roof and be good to go!”. You are excited, so you sign the contract and agree to a date to do the work. The contractor shows up starts the job on day 1 and finishes 8 days later having used the same vents that came off of your home, 2nd run shingles that the manufacturer won’t warranty, no protection in the valleys or penetrations because he couldn’t afford to pay for ice and water shield and he did it all with no protection for the homeowner in the form of Workers Comp or General Liability Insurance. On top of all of this, they give you an invoice for $6,200 that your insurance company needs a copy of before they release the recoverable depreciation on the claim. You send the invoice to your carrier and 8 days later receive and 2nd check that brings your total payout to $5,700 instead of $8,500. You end up paying your deductible (but no more), getting a poorly installed roofing system and putting $0 in your pocket.

Your objective in this process is to get the most quality in your roof as possible while making certain that the most you pay out of your pocket is your deductible. Make sure your contractor has the knowledge to protect you from getting short changed by your insurance company and the staff, resources and intelligence to install a high quality roofing system on your home.

How long will it take to replace my roof?

Usually we can finish your roof in one day. However, this may vary based on the size of the roof and any inclement weather. Careful planning and managing by the roofing contractor also plays a vital role in how long a job will take. At Red Top Roofing, you can be assured that all work will be completed as quickly as possible without sacrificing quality or workmanship in the process. You are our business! We’re not satisfied until YOU are satisfied.
Your objective in this process is to get the most quality in your roof as possible while making certain that the most you pay out of your pocket is your deductible. Make sure your contractor has the knowledge to protect you from getting short changed by your insurance company and the staff, resources and intelligence to install a high quality roofing system on your home.

Why would my insurance company replace my roof?

The purpose of home owner’s insurance is to protect homeowners against losses in their property’s value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in that your original investment of a 20 year roof (for example) has now been reduced to a 5-10 year useful life span. If left damaged this could also lead to costly repairs on the interior of the home as well. Your insurance company will compensate you for your loss and replace your roof

In my adjustment, my insurance company deducted some money for depreciation. What is that about?

The depreciation held back represents the amount of money the insurance company will hold until they receive a signed contract from you and your contractor of choice. When the work is completed they will release the rest of the money that is owed to you.

My insurance adjuster said there was no hail damage on his first inspection. I asked Red Top Roofing to be present on the reinspection and the adjuster concluded that there was hail damage and totaled the roof. Why such a dramatic turn around?

There are many different reasons that this happens so often. Sometimes adjusters get to a roof to soon after the actual damage and the hits have not had a chance to weather yet. Sometimes the adjusters are inexperienced. Sometimes they were tired after looking at so many roofs that day. Sometimes they just make mistakes, The best results for the benefit of the homeowner seem to be obtained when an experienced roofer walks through the inspection with the insurance adjuster and calls to the adjuster’s attention the damage to the property