Material price increases causing a stir among Homeowners and Insurance Companies

A national announcement from the two largest roofing material manufacturers to all large scale roofing companies states the price increases from month to month are to be expected. All large scale suppliers who sell roofing products have been raising their material prices almost every month by five, ten, or even up to fifteen percent. This increase causes all roofing companies to in turn raise their current prices of the roofs they are selling. The next price increase for our region is scheduled for March 2, 2009. This price increase on the 2nd will take effect with all shipments regardless of order entry date. We actively monitor costs and may have to implement additional increases in the future. As we approach March 2nd we will communicate specific price increases by product. Now, what does this mean for the Homeowner? With price increases coming straight from the manufacturer to the supply houses and the down to the roofers, these increases are then passed directly onto the homeowners. These increases can directly effect your settlement with you insurance provider. The insurance companies are not usually current with all price increases going on in the market and more often are about a month or even up to 3 months behind in the market. What does this mean? Well, your insurance settlement may be under valued and you may not have enough insurance settlement funds to do the work at the current market price. How do you combat against this? You should always hire an experienced roofing contractor who knows how to deal with the insurance companies and always is current on the market prices. We help people everyday who have come across this problem and are always successful in resettling their claim. The best way to make sure you are going to get a proper settlement is to not wait on making the claim. Due to constant price changes in the market and different rules and mandates from The Texas Department of Insurance, this can greatly effect your settlement. The key factors are to not wait and work with your contractor and the insurance company to make sure you get the proper settlement.

TDI roof inspections on the south coast of Texas

If you live on the south coast of Texas or fall within the 13 counties on the coast that is regulated by the Texas Department of Insurance or "TDI" then you know the qualifications your homes construction plays for the insurability of the residence. It is of the up most importance that home owners do their home work before hiring a contractor to do the work on their home after a catastrophe, especially roofing work. All Roofs on the south coast must be inspected a minimum of two to three times by a TDI engineer and all work done on the roof must follow certain guidelines to pass and to get a certificate to reinsure the roof. The roof construction has many facets that must be followed to pass an inspection. From where the nails are placed on the shingle to how many nails are placed in the shingle the technical details of a TDI roof is very precise and the construction must follow their rules perfectly to get a passing certifacate. Eclat Roofing has passed every inspection by TDI with flying colors. Roof construction on a TDI roof takes a little longer due to the care by the roofers that it takes to follow the TDI rules. The roof construction is done with great precision by Eclat Roofing because we have the home owners reinsureability on the residence in our hands. Home owners should be very careful in hiring roofers who are not aware of the standards the roof must meet in the TDI areas, Eclat Roofing can help home owners in making the right choice in professional roofing contractors.

Insurance help info for Houston Areas

Through our work in the recently Hurricane Ike hit areas we have seen many times where insurance companies are denying claims or doing the bare minimum to repair these storm damaged roofs. This to the customers we are helping is a shock. The consumers in these storm areas have paid there insurance premiums for countless years and the one time they make a catastrophic claim on the home they find out that the insurance companies are fast to take their money but hesitant to pay some back to the home owner. Don't think that just because your insurance company has turned you down or just wants to repair the roof that this is the end of the line for you and thats your only option. You need to have a full service roofer with the knowledge of how to deal with these insurance companies on your side. At Eclat Roofing we work with countless customers everyday on this exact problem. In signing a contract with us we will represent you, meet with the insurance adjuster and prove why the roof must be replaced and negotiate with the insurance company on a fair settlement for the home owner. All the home owner is responsible for is paying their deductible. We have helped customers who's insurance companies basically told them "no we will not pay for anything on the roof or home", and they sign on with us thinking that we may not be able to help either, get a full roof settlement by negotiations from our insurance specialists. The best advice Eclat roofing can give is its always best to have a industry professional on your side when dealing with the insurance companies to ensure you the best possible turn out in your claim.

Different Types of Homeowner's Insurance

Homeowners insurance provides you financial protection in the event that your home is destroyed or damaged due to unforeseen or catastrophic event. In addition to your home, homeowners insurance also covers your belongings (or personal property) and can reimburse you for medical expenses and liability claims resulting from property damage and personal injury to other people caused by you and members of your family.

There are two types of homeowners coverage:

ALL RISK POLICY - offers broad protection and covers all perils unless they are specifically excluded by the policy.

NAMED PERILS POLICY - offers narrower protection than an all risk policy and covers only those perils specifically named under the policy. A named perils policy will also contain exclusion to perils named under the policy.

Policies also offer different methods of repairing or replacing your property:

REPLACEMENT COST - pays for all necessary expenses associated with rebuilding or repairing damaged property, up to the policy limits, less any applicable deductible amount.

ACTUAL CASH VALUE - factors in depreciation costs to your claim and pays you the costs to replace or repair the damaged property, less this depreciation and less any applicable deductible amount.

The above information was taken from the website www.opic.tx.us which is Office for Insurance Counsel of Texas.

Repair Delays Could Stretch Out

So far this year, storm disasters similar to the one you experienced have occurred in more than 20 states. This has put a strain on the entire roofing industry. Both roofing materials and skilled labor are in very short supply, prices of this oil based product are at an all-time high and manufacturers are already putting suppliers on strict allocation of roofing supplies. Delaying the replacement of your roof may prevent you from protecting your home from water damage for some time.