TILE ROOF OWNERS COULD LOSE INSURANCE COVERAGE SEPT 2020!

ATTENTION: TILE ROOF OWNERS YOUR INSURANCE COMPANY MAY CANCEL YOU!

YOU MAY STILL QUALIFY FOR INSURANCE REIMBURSEMENT FOR A NEW ROOF EVEN IF... • YOUR CLAIM WAS PREVIOUSLY DENIED • YOU RECEIVED INSURANCE REIMBURSEMENT FOR REPAIRS ONLY • YOU RECEIVED A COST ESTIMATE FOR REPAIRS LESS THAN YOUR DEDUCTIBLE • YOU NEVER FILED A CLAIM.

TIME IS RUNNING OUT! IN SEPTEMBER 2020 THE 3-YEAR LIMIT TO FILE CLAIMS EXPIRES

WHAT CAN HAPPEN IF YOU DO NOT FILE A HURRICANE IRMA CLAIM?

After the 3-year time limit has elapsed to file an insurance claim, insurance companies have the right to inspect your roof to determine if there is existing damage. If damage is found on your roof, your insurance company could drop insurance coverage on your home . If coverage is dropped, you could be forced to find a new insurance company. The new insurance company will most likely not approve your policy unless you provide a new roof at your own expense. Why take this risk? You have nothing to lose by letting us help you.

IF YOUR CLAIM WAS PREVIOUSLY DENIED

Most roof claims filed either by a Homeowner or Contractor, are initially “denied”. But many of these denials have been later overturned in court.

After a claim is filed an insurance company will often hire a Professional Engineer to inspect your roof and use the Engineer’s report as the basis for denying your claim. The insurance company is hoping that you will believe this professional looking report and give up on this claim. However, we have seen many cases where claims made in the Engineer’s report are simply untrue.

Most of the Engineering Denial Reports that are produced will say things like: 1. Tile cracks were caused by “foot fall” (this is a term meaning damage to tiles by someone walking on the roof). Some insurance companies like to blame all the broken tiles on your roof on people such as roof cleaners walking on your roof. When they say the tiles are broken from walking, our reply to them is “how come the engineer or adjuster did not break tiles by walking on the roof?” 2. Cracked tiles were caused by “Thermal Contraction” (this is a term meaning the tiles were damaged from large changes in air temperature over a short period of time). This is laughable because we live in a climate where the temperature changes do not drastically change in a 24-hour period. Also, roof tiles used in Florida are typically designed to allow for thermal contraction cycles. 3. “There was less than 25% damage to Roof”. If the Engineer finds a small number of broken tiles, they like to write in their report that the few tiles broken are not enough to require full replacement as per the Florida Building Code and can be repaired. The Florida Building Code does not require roof replacement if less than 25% of the tiles have been damaged. However, the Engineer’s Report will usually not mention that there was wind uplift damage (see next bullet point) or that under Florida Statute 626.9744 some tiles that are not damaged must still be counted in determining this percentage if replacement tiles cannot be found that match the quality, color or size of the damaged tiles. 4. “Winds were not strong enough to cause tile damage”. This is also laughable and demonstrably belied by the large number of roofs that have been replaced in our area due to clear and significant damage from hurricane Irma.

A significant amount of roof tile damage is not visible. Hurricane winds can cause roof tiles to lift up and become loose, without cracking. There are accepted industry standards for determining if tiles are loose. This determination can only be made by physically trying to lift the bottom edge of a tile using a certain amount of force. Most Engineers for the Insurance companies will not mention the non-visible tile damage such as wind uplift. Many roofs are approved for replacement even though few tiles are cracked or broken.

If we find sufficient hurricane damage to your roof, there is a good chance your roof can still be approved for full replacement by your insurance company.

If your hurricane claim was denied by your insurance carrier you can reopen the claim with one simple phone call to your insurance carrier.

IF YOU RECEIVED INSURANCE REIMBURSEMENT FOR REPAIRS ONLY

We have seen cases where homeowners paid a roofing contractor to make repairs to their roof after hurricane Irma, but were unaware that the damage to the roof was more extensive than what was indicated by the repair work that was done. In some of these cases our inspection of the roof has uncovered substantial additional damage of which the homeowner was unaware.

If we find sufficient hurricane damage to your roof, we can submit for an approval to your insurance carrier for a new roof even if you have already received payment for some repairs. Your claim is not necessarily closed because you received insurance proceeds for repairs. In fact, these are often the easiest claims for new roofs to get approved. If your insurance company has paid you for costs to repair your roof, then they have in effect also admitted that the hurricane caused damage to your roof. The admittance of this damage opens the possibility of getting your roof approved for full replacement. Even if there were only a relatively small number of visibly damaged tiles, you may still qualify for a full roof replacement under Florida statute 626.9744 (i.e. if replacement tiles do not match the quality, color or size of the tiles they replaced).

IF YOU RECEIVED A COST ESTIMATE FOR REPAIRS LESS THAN YOUR DEDUCTIBLE

This case is very similar to the one just above. The only significant difference is that you received no reimbursement from your insurance company. Nevertheless, damage to your roof may be more extensive than you are aware (e.g. from wind uplift), your claim is not necessarily closed, and your insurance company has in effect admitted that the hurricane caused damage to your roof.

IF YOU NEVER FILED A CLAIM

Some homeowners think that if their roof is not leaking then their roof is fine and there is no basis for an insurance claim for a full roof replacement. This is not necessarily correct.

Or perhaps you paid for repairs to some visible tile damage and the cost was beneath the amount of your hurricane deductible so you didn’t file an insurance claim. You may in fact still have a valid claim for a new roof. In many homes some roof tiles are cracked, broken or missing but there is no visible leak. This is because there is a membrane beneath the tile, and the membrane is what actually keeps water out of the house. The primary purpose of the tile is to prolong the life of the membrane. If there is sufficient damage to the tile you may qualify for a full roof replacement, even if the roof is not leaking, and even if you already made repairs to your roof.

Most tile damage cannot be seen from the ground, and as mentioned above wind uplift damage cannot be seen at all unless someone qualified physically tries to lift tiles to determine if they are loose.

Many of the existing tile roofs in Florida were constructed with tiles that are no longer manufactured or available for repairs, in which case Florida statute 626.9744 may open the door to a full roof replacement.

MASSEY INSPECTION PROCESS

One of our sales specialists will carefully walk your roof to inspect for hurricane wind damage. All of our sales specialists are certified in the Haag Inspection Process for Tile Roof Wind Damage (the industry standard) and certified by the Tile Roofing Institute.

We test for wind uplift damage. Roof tiles may be damaged (i.e. loosened) from hurricane winds without being broken or cracked. Hurricane Irma was strong enough in some areas to cause “uplift” damage to tile roofs (despite what some reports from Engineering firms say).

We document how the tiles are broken or cracked. Roof tiles damaged by strong wind display certain characteristic patterns of breakage or cracking.

Live Video Feed - We can transmit a live video feed to you while we inspect your roof so that you are able to follow along with our inspection regardless of where you are. All you need is a phone or computer and you can see what we see at the same time.

Tile Verification – we document what type of tile you have to determine the origin of manufacturer to confirm if the tile is discontinued or still in production.

INSURANCE ESTIMATES

Our cost estimates are “apples to apples” with your insurance company. We use the same estimating software and cost database as all insurance companies. Using the same cost database as your insurance company helps streamline the process for approval of your claim.

You are not required to get three cost estimates as encouraged by your insurance company. The insurance companies want you to present them the lowest cost estimate. Do you really want the cheapest labor and materials on your home?

WHEN CONTRACTED WITH MASSEY

Let Massey do all the work. We have a staff that communicates with your insurance company during the entire approval process. We will keep you apprised of our progress. Let us deal with the headaches.

We will meet the Insurance Adjuster at your house for the insurance inspection.

If the Insurance company schedules an Engineer to inspect your roof, we will meet the engineer at your house. Many times we video record the entire engineering inspection and save the file in the event the claim is denied. Video recording has a tendency to keep people more honest.

You have no cost obligation to Massey if your insurance claim is not approved by your insurance company. No upfront money or deposits are required to start the approval process. Our goal is to get a new roof approved for you. In the event your claim is denied, we will provide a legal team at our expense to get your claim approved. Our legal team specializes in insurance claims. We will cover the costs. It is the strategy of some insurance companies to deny your claim in the hopes that you get frustrated and give up. Over the years we have challenged many insurance denials. To date we have successfully gotten 100% of these denials overturned and gotten insurance companies to cover full roof replacement.

HELPFUL TIPS TO SELECT A CONTRACTOR

Find a contractor that is based in Florida. The building codes in Florida are very unique in regards to Wind Loads. Most other states do not have strict guidelines for inspections or even building codes in comparison to Florida.

There are many roofing contractors that operate in town

that are actually based outside of the state of Florida. To verify where a company is based go to: http://www. myfloridalicense.com/DBPR/ and select “verify”. This website will also let you know if any complaints have been filed with the State. Contractors that are not based in Florida are perhaps more likely to not be around for warranty work.

Ask to see Current Jobs in Progress so that you can see the crews in action. Out of State license plates or no permanent decals on the trucks are a possible red flag.

Look up Google Reviews online and the Better Business Bureau rating. Google Search for “complaints”.

Ask the sales person if he or she has any professional license or certification that pertains to roofing.

Ask the contractor to provide you a 30-year warranty on your underlayment system. This is a two-layer system that will provide the best protection for your home. This should not be an upgraded cost for labor and materials. There is a high probability your existing roof has a twolayer system now. Most contractors, to save money, are providing a single layer system only.

Many roofing companies will promise to pay your Insurance Deductible as a sales strategy so that you will sign their contract. This is considered Insurance Fraud. When a claim is submitted to your insurance company you could be required to make a sworn statement to the Insurance Company in regards to payment of the Insurance Deductible. If you have a salesperson promising deductible and you agree, you could be participating in Insurance Fraud which is a Felony In Florida. Most reputable companies will not make deductible promises

WHY CHOOSE MASSEY CONSTRUCTION GROUP, INC.?

• Florida Licensed Contractor For 20 Years • Locally Owned & Operated

• Licensed Roofing Contractor And General

Contractor

• A+ Rated By The Better Business Bureau • Certified By The Tile Roofing Institute • Certified By Haag Engineering

• All Sales Reps Are Certified Roof Inspectors • Tile Roof Installation Is Our Specialty • Extensive Experience With Hurricane

& Wind Claims

• In-House Crews (No Sub-Contractors)

• Long List Of Highly Satisfied Customers (Read Our Reviews On BBB And Google)

• Live Video Inspections: Watch What We See In “Real Time” From The Comfort Of Your Home. • Free Roof Inspections 7 Days A Week • 30-Year Transferrable Roof Warranty At No

Additional Cost

• Free Double Polyglass Ice And Water Shield

Underlayment Upgrade (The Underlayment Is The Main Protection For Your Home, Not The Tile) • Free Seamless Gutter Replacement At No

Additional Cost