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Roof Damaged By A Storm?  What’s the Role of the Insurance Adjuster?

The duty of an insurance adjuster is to give you an accurate accounting of everything that was damaged by the storm and a written estimate of what it will cost to put your property back to the condition it was in prior to the storm. Remember, this is only an estimate and actual costs may vary. This is easily resolved between the adjuster and the contractor. In any case you are going to be liable for the amount of your deductible and no more. The adjuster will either leave you a statement of loss or you will receive it in the mail in a few days. The statement of loss will itemize your losses, and the estimated cost of repair for each. Most home owner policies are replacement cost and will pay that amount even though the actual cost may exceed the adjusters estimate. The loss statement will reflect the replacement cost value (RCV), the depreciation, and the actual cash value(ACV) of your loss. The (ACV) column of the statement will reflect the amount of your first check minus your deductible. The depreciation column should be called the deferred column as it reflects the money held back by the insurance company until the work is complete and an invoice is submitted by the contractor for payment. The insurance company will then issue another check to you for the exact amount between the final bill, and (ACV) portion of your first check relating to that particular repair. For that reason, they will tell you to get estimates to repair the damage, most will not tell you that you are spending your time shopping for the insurance company, as they have held out money as depreciation and will pay only the (RCV) for the repairs. As time goes on many home owners will realize that it is reputable companies like Accent Roofing that are actually looking after their interests in the repair process.

Roof Damaged By A Storm? What’s the Role of the Insurance Adjuster?

How Did Summer Weather Affect Your Roof?

Summer is hard on your roof. It’s hard on everyone’s! And here in Georgia, summers are particularly brutal. They’re one of the busiest seasons for roof repairs and maintenance work because they’re often when problems arise.If you’ve been putting off having your roof inspected by a professional roofer in GA, don’t wait. Here’s how this summer has already taken a toll on your roof.Humidity Leads to MildewIt’s no secret that summertime humidity ranges from “unbearable” to “hard-to-breathe” here in the Southeast. In your home, humidity isn’t just annoying, it can actually be destructive. One of your roof’s primary jobs is to regulate the humidity levels in your attic. That’s incredibly difficult for it to do if your roof’s ventilation wasn’t installed correctly, or if there’s too much or too little venting to begin with. It’s been a particularly humid summer in the Atlanta area which means older, improperly vented homes are at higher risk of mold and mildew collection in the attic than ever; organic growth in your attic can actually make your family sick. Call a local roofing professional today to determine whether or not the ventilation system in your attic is optimal.Heavy Rainfall Takes a Toll on Your Roof We’ve already had over 15 inches of rain here in metro Atlanta this summer, far more than the seasonal average. All that rain is great for lake levels, but it’s hard on your roof. Excess water can cause backups on your roof – particularly if your gutters are already clogged – which means water has nowhere to go but inside your house. A sagging or otherwise uneven roof also creates the perfect surface for water collection; standing water on your roof almost always leads to water intrusion. If you’ve noticed drips, drops, or other leaks pop up this summer, rest assured winter is going to make things much, much worse. Now’s the time to have your roof inspected, repaired, and even replaced if need-be.Storms Can Cause External DamageThunderstorms may be atmospheric, but they’re usually accompanied by high winds, driving rain, and occasionally even tree-felling lightning. (And don’t even get us started on hail!) Summer is the number one season in which roofs are damaged suddenly, from falling limbs to blown-off shingles to pock marks created by hailstones. Even if the damage seems minor from the ground it’s imperative you have a recently damaged roof inspected by a…

How Did Summer Weather Affect Your Roof?

What are the Most Common Roofing Issues in Georgia?

Georgia weather isn’t exactly known for being consistent. It’s your roof that takes the brunt of the damage when inclement weather hits, but today’s roofs are built to withstand a lot. What are some of the most common roofing issues in Georgia, as seen by a professional GA roofing company? Accent Roofing has had decades of experience maintaining, repairing, and replacing roofs here in the south. Here are the issues Georgians call us about most.Storm DamageThe number one spontaneous cause of damage in Georgia is most certainly storm damage. Storm damage on your roof can take a number of forms, but it occurs when winds are high, rain is raging, and even when hailstones fall. Most people notice damage to their roof either immediately after a storm, such as in the case of missing shingles, or during the next time it rains when water infiltrates the house.Structural DamageWe’ve got a lot of big, beautiful trees here in Georgia, but they’re a hazard to roofs. Fallen trees – particularly oaks and pines – are a common occurrence during summer and winter when the ground is particularly soft or moist. Sometimes a whole tree takes out a home’s roof, and sometimes a single limb causes shingle damage that necessitates a fast repair. Whatever structural damage occurs, Accent Roofing is always on the scene to provide a fast, accurate quote.Damaged GuttersThose beautiful trees? They also produce a lot of stuff. Gutter systems are one of the most underrated components of roofs; they keep water flowing away from the house and off the roof itself. Clogged gutters aren’t an uncommon sight here in GA thanks to a proliferation of pine needles, industrious squirrels, and heavy-leaved oak trees, but they’re avoidable. Have your gutters professionally cleaned twice a year: once in the spring and once in the fall.Heat DamageRoofs that get a ton of direct sunlight degrade more quickly than those that don’t. Of course, experienced roofers know the tips and tricks to keeping a heat-prone roof up to snuff, but that hot Georgia sun inevitably takes a huge toll on vulnerable roofing components like shingles, flashing, and caulk. If your house gets a lot of sunlight, it’s all the more important that you have your roof inspected at least once a year to extend its lifespan.Georgia roofs are built to last. Most have a significant pitch and durable asphalt shingles are by far…

What are the Most Common Roofing Issues in Georgia?

3 Ways Ice Can Damage Your Georgia Roof

It’s only January, and already it’s been a winter to remember e in Georgia. Nearly everywhere in the state is recovering from record snowfall and ice totals after a recent storm, but it’s yet to be seen exactly how extensive damage from the event will be. While homes in the Northeast are prepared for harsh winter weather, houses here in the Southeast aren’t used to experiencing many inches of snow and/or extended periods of heavy ice. At Accent Roofing, we’re gearing up for what’s certain to be an influx of calls here in north Georgia as residents begin to realize the full extent of damage to their homes and more specifically, to their roofs. How damaging is ice? Here’s how ice can wreak havoc on your roof…yes, even here in Georgia. Ice dams Ice dams are by far and away the most dangerous side effect of ice on roofs. They’re rare in climates like ours, but not unheard of. Particularly when temperatures hover at or below freezing for days and/or weeks at a time and a snowfall occurs, ice dams are more likely to form. An ice dam is essentially a wall of ice that forms around the bottom edge of your roof. As snow behind it melts (or, in some cases, when it’s raining but there’s still a thick ice dam built up), water cannot drain properly off of the roof. Moisture can seep inside, shingles can be pushed up by the pressure, and structural damage can even result. Gutter Damage Our gutters are far more important than we give them credit for. Without functional gutters, water can’t efficiently make its way off of your roof and away from your foundation. Ice poses a lot of threats to your gutters, particularly if you’ve fallen behind on cleanings. The weight of ice can cause your gutters to pull away from their attachments. It can bend them and warp them, making waterflow inefficient. Ice can even encourage premature rust as moisture sits inside your gutters for weeks at a time. Excessive Weight Weight isn’t just an issue for your gutters, it’s an issue for your entire roofing system. Northern roofs are designed to accommodate for the heavy weight of snow; southern roofs, comparatively, are typically not constructed to withstand the heavy weight of winter precipitation. That’s not to say that a single snow or ice storm will…

3 Ways Ice Can Damage Your Georgia Roof



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