Roof Repair FAQ
Before the Roof Replacement or Repair
What is the first step to any roofing project?
A roofing inspection is the first step to any roofing project. This is how we determine the extent of the damage and whether you should submit a claim to your insurance company for the repairs.
Our team is specifically trained to know what the insurance companies are looking for and what they would consider damage.
It is very important to not let just anyone get on your roof for several reasons.
- If someone falls off your roof and hurts themselves, you are liable for them as the homeowner
- They could accidentally do damage to your home while inspecting if they are not properly licensed
- They could create damage intentionally in order to get paid to fix it
What happens during the initial roof inspection?
When we do an inspection, we provide photos of any damage that we find at no cost, and give you an honest assessment of the extent of the damages.
What will I find out from the roof inspection?
After the inspection, we will either give you a clean bill of health, recommend any minor repairs that we noticed, or recommend that we start the claims process if the damages warrant involving the insurance company.
What should I look for in a contractor?
A good roofing contractor should:
- Have a license that is readily available when you ask to see it
- Be trusted in the Indianapolis community
- Have good online reviews on websites they do not have control over, such as Angie’s List and Home Advisor.
- Use high-quality materials without an upcharge
- Have years of roofing experience under their belt
How do I know if my contractor is licensed?
All contractors "claim" to be licensed, but far too many homeowners don't do any homework and only find out when it is too late that they are not actually licensed.
We maintain a current record of our licensing and insurance information on our website.
Under what circumstances do I need an estimate from Ultra Dry Roofing?
If you are not planning to file an insurance claim, you will need an estimate from Ultra Dry Roofing to determine the price of roof repairs or replacement.
If you are filing an insurance claim for your roof repairs, your insurance company will send an agent to your house to do an inspection and provide an estimate. Ultra Dry Roofing will perform the work for the cost determined by the insurance agent. In this instance, you do not need an estimate from Ultra Dry Roofing.
How do you determine pricing on a repair or replacement?
We take satellite imagery of property and produce a report that gives us exact measurements for any roof including pitch, height, and square footage. It even gives how many feet of guttering you have and how many pipes are on your roof.
We then create a detailed estimate using this report, which we will provide at no cost to anyone we prepare an estimate for.
During the Roof Replacement or Repair
What happens on the day of the roof replacement or repair?
Replacing your roof is a major construction project. On the day of the replacement, we will arrive around sunrise and typically finish before sunset. However, some jobs might take an extra day or two.
We won’t deny that it will make your house noisy the entire day. We recommend doing something away from the house if possible since you don’t need to be present at the time of the install.
If you do choose to stay home, please ensure pets and children are out of the yard to avoid any falling debris. It is also highly recommended that you move your car out of the driveway to avoid damage from the debris.
We will tear off all the shingles from your old roof. We will be placing a large dumpster in your driveway for the debris. Keep in mind, though we do our best to contain the old roofing materials, it is inevitable that some of the nails could end up in your yard. When we are finished, we will sweep your yard with an industrial magnet to pick up any nails. We recommend that you mow your lawn very short to help us pick up as many of the nails as possible.
After the install, our crews will go over your property with a magnetic sweep to pick up nails. We will do our best to get as many nails as possible but some nails will get caught in the grass. To help us get as many nails as possible, please mow your lawn as short as possible the day before the install.
What is included in a roof replacement?
We fully remove your old roof down to the decking and replace any bad decking we find.
We replace any flashing if it is approved by the insurance company, and install a gutter apron.
In the valleys and synthetic underlayment roof, we put an ice and water shield. Then we install the shingles and ventilation system.
What roofing products do you use?
We are a proud Partner of GAF, one of the largest shingle manufacturers in the country with 2 manufacturing facilities right here in Indiana.
We did quite a bit of research before making the decision to partner with GAF as our shingle supplier. We will readily admit that Owens Corning is also a high-quality product.
But at the end of the day, it came down to the support and availability that GAF offers to us as a company, to you the homeowner, and to Hoosiers in general.
GAF is a national manufacturer, but they have 2 manufacturing facilities here in Indiana, which means by supporting them, we are literally putting food on fellow Hoosier's tables. This also means that supply will not be an issue, since they are made right here in Indiana.
We have appreciated their support and the speed with which they have handled any manufacturer warranty issues. We have found that they, like us, are extremely customer-centric in solving any issue.
In our opinion, if a company is not offering either a GAF or Owens Corning product, they are typically offering you a lower quality product than we recommend, and we highly recommend you seek other options.
Do you offer a warranty?
Yes, we offer a 50-year warranty on our GAF shingles which are used in every project.
Insurance Roof Replacement
How long do I have to file an insurance claim after an incident?
According to most insurance policies, you have 12 months from the date of an incident to be able to file a claim.
How does the insurance claims process work?
Once an Ultra Dry Roofing expert has inspected your roof and found damage, you should submit your claim to the insurance company.
- Call the insurance company to let them know of the damages and file the claim. They will give you a claim number that day.
- Within a couple of business days, you will get a phone call from the insurance adjuster to schedule an inspection of the house for damages. Your Ultra Dry Roofing contractor will be on-site at the time of inspection to point out the damages and advocate for you.
- The insurance adjuster will then assess the damages and either:
- Go back to their office and prepare a report of the scope of the damages and what they are willing to pay and mail a check to you for the down payment, or
- Give you the loss report and check right then and there - typically when there is a national catastrophe
What happens at the insurance adjuster meeting?
Once you file a claim with your insurance company, they will send out an insurance adjuster to assess the damages.
Ultra Dry Roofing will meet with your insurance adjuster when they come to inspect the property to go over the damages that we found. This is important that we are there at the time of inspection because the adjuster might miss some of the roof damage.
It is our job to advocate for you to make sure that doesn’t happen.
How much do I pay if the insurance company agrees to replace the roof?
Once the insurance company agrees to replace the roof, the process is pretty simple.
The insurance company will build an estimate for what they feel the scope of work should cost. This determines what they agree to pay aside from your deductible.
We agree to do the work for what the insurance company determines the cost should be (Replacement Cost Value), so your only out-of-pocket expense would be your deductible.
Can you waive my deductible?
No, that is actually illegal and considered insurance fraud. If you find a company willing to waive the deductible, they are doing so “under-the-table” and can put you at risk for legal consequences for participating in the insurance fraud.
What happens if my claim is denied?
If your claim is denied, the contract is then null and void. You are under no obligation to continue with the roofing project.
If we believe the denial was in error, we are happy to recommend a public adjuster who can work with you at no cost to get your roof re-inspected and approved.
What if I find a contractor that will do the roofing project for less than the insurance company’s estimate? Can I keep the remaining money?
No, legally you must use the full amount that the insurance agent.
To deter this form of insurance fraud, insurance companies will send partial funds as each stage of work is completed.
Will my insurance rates go up if I file a claim?
No, insurance rates for hail storms and natural disasters are raised on a per zip code basis, not on an individual basis. This means when your neighborhood is hit by hail, your insurance company might raise the rates, but it won’t matter whether or not you filed a claim.
This means you might as well file a claim to try and get a new roof out of the deal!
If I go through my insurance company, does that mean I get lower-quality materials?
With our "No Upsell Guarantee," we are already giving you the highest quality materials.
- Best quality shingle (GAF Timberline HDZ architectural shingle)
- Best ridge ventilation system (GAF Cobra ridge ventilation)
- 50-year warranty at no additional cost (GAF System Plus Warranty)
What are the next steps once I decide to move forward with the roof replacement?
Once the insurance company has given you an estimate, the only thing left for you to do is pick your shingle colors and installation date!
We have made it our mission to make this process extremely easy on the homeowner.