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News from Aspen Claims

How to Spot Roof Repair Scams


September 19, 2018

When it comes to maintaining your roof, it’s important to find a reliable and trustworthy Denver roofing company to handle the repairs. However, after storms and severe weather, some disreputable contractors often move in and try to take advantage of significant damage, scamming homeowners out of thousands of dollars. At Big Creek Roofing and Restoration, we want to make sure you understand how to spot a roofing scam from a mile away. Here are a few sure-fire signs that the unsolicited roofing expert at your doorstep is about to run a scam.

They Ask to Climb On Your Roof

When a new-to-you roofer asks to climb on your roof without you having scheduled an appointment with them, there’s a good chance they’re running a scam. Often, these unscrupulous individuals actually cause damage, leaving roofs that were in otherwise good condition in dire need of extensive repairs. Unless you’ve scheduled an appointment with the  roofing contractor that , don’t allow anyone up on the roof. This will save you money in the long run and ensures that the inspection is performed by someone you can trust.

The Contractor Asks For Your Insurance Money

It may seem more convenient to only have to deal with the roofing company rather than your insurance provider, but signing over your insurance benefits is not a good idea. Untrustworthy contractors often take the money and run, and if you provide them with the full amount of your insurance payout up front, you might be out the money entirely with no recourse for recovering it. If they don’t go after your insurance money, they often promise significant discounts for payments up front in cash. This is just as dangerous as cash payments cannot be tracked or cancelled should the contractor run out on the job.

They Offer the Lowest Prices Possible

Quality roofing repairs can get costly, especially after a severe storm does damage to the majority of your roof. While it’s not uncommon for reputable roofers to offer discounts on their services, scam artists often quote rock-bottom prices. The quality of their repairs are often reflected in the price, if they even repair your roof at all. Instead of opting for a fast estimate and rock-bottom prices, take your time to research your roofing contractor and make sure they stand by their work. Reputable teams offer guarantees on their repairs, saving you the expense of fixing the same problem twice.

Avoiding roofing scams can be a real challenge. Instead of waiting to find a contractor until you need emergency repairs, establish a relationship with an experienced team today. At Big Creek Roofing and Restoration, we’ll help you keep your roof in good shape year-round. Should your roof suffer damage after a severe storm, we’ll take care to repair the damage properly and at a fair price every time. Stay on top of your repairs and schedule an inspection today. Need to file a claim on your homeowner’s insurance? We can help you navigate the process, from inspection to repair or replacement.
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Denver Roofing Company Debunks Common Myths About Asphalt Shingle Warranties


September 5, 2018

Asphalt shingles are one of the most popular roofing materials on the market and with good reason. They’re affordable, durable, come in many different colors, and are easy for your Denver roofers to install quickly. As with almost every roofing material, shingles come with a manufacturer warranty to protect you against defects and costly damage caused by an inferior product. Unfortunately, there are a number of myths surrounding shingle warranties that lead homeowners astray when filing a claim. Here are a few of the most common myths, debunked.

Shingles Don’t Need a Warranty In the First Place

Shingles are durable, so they don’t need a warranty, right? Wrong. Even the most reputable companies can accidentally release an inferior batch of shingles. Though hiring an experienced and licensed roofing contractor to handle the installation will ensure that the materials protect your roof as thoroughly as possible, good installation can only go so far. If the shingles start breaking down after a few years and you’ve followed up on routine maintenance, you’ll need the manufacturer’s warranty to cover the cost of replacement materials. Without a warranty, you’ll have to pay out-of-pocket or file a homeowners insurance claim to address the damage.  

Warranties are Good for the Life of the Roof

With proper care and maintenance, asphalt shingle roofs can last between 15 and 20 years. Many homeowners mistakenly believe that the warranty is good for the life of the roof. With most shingle manufacturers, this is simply not true. Though your roofing company may back their work for the life of your roof, the shingle warranty is often only good for 5 to 10 years. Some manufacturers may only offer warranties that are good for two years after installation. The devil is in the details and when purchasing roofing materials from your contractor, make sure you understand the terms of the warranty before agreeing to the purchase.

Buying the Materials Yourself Gives You the Same Warranty

You’re buying the same shingles your roofing contractor uses, so surely the warranty is the same. Unfortunately, manufacturers do not extend the same warranties to individual purchasers as they do to experienced contractors familiar with their shingles and the proper installation techniques. When you purchase shingles through your contractor and let them install the roof, you’ll get the best possible warranty from the manufacturer. If you go to the local hardware store and pick up the materials yourself, the warranty will be minimal if it exists at all.

Shingle warranties are a wonderful way to protect your investment, but they can be tricky to navigate. At Big Creek Roofing & Restoration, we’ll take the time to explain how your warranty works, what you need to do if you want to file a claim with the manufacturer, and what you can expect from the process. With over 15 years of experience helping homeowners get the right roof for their budget, we’ll work to make sure you have the best materials for your new roof. Contact us today and let our residential roofing team install new shingles today.
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Hurricane Season and Catastrophe Claims


August 22, 2018

Depending on where a state falls in America, hurricane season begins as early as June 1 and lasts through the end of November. Even with as much notice as possible, hurricanes are incredibly destructive storms. From demolished homes and downed power lines, to widespread flooding, a hurricane can be extremely debilitating to a community. As an insurer, it is your responsibility to help your customers every step of the way upon experiencing a disaster such as a hurricane. Learn more about hurricanes across the United States, projects for the 2018 season and tips to assist customers with catastrophe claims.

Basics About Tropical Storms and Hurricanes

A hurricane is a tropical storm that begins due to a low-pressure system that is formed in an ocean. When it comes to when and where do hurricanes occur, it varies on area and time of year.  Their technical term is actually a tropical cyclone and depending on severity, can be categorized as a tropical depression, tropical storm or hurricane. Sustained wind speeds heavily factor into which category a hurricane falls into:
  • Tropical Depression: Up to 38 miles per hour
  • Tropical Storm: Between 39 – 73 miles per hour
  • Hurricane: 74 miles per hour, or higher
To delve deeper, hurricanes themselves are categorized from one to five based on their sustained wind speeds based on the Saffir-Simpson hurricane wind scale:
  • Category 1: 74 – 95 miles per hour
  • Category 2: 96 – 110 miles per hour
  • Category 3: 111 – 129 miles per hour
  • Category 4: 130 – 156 miles per hour
  • Category 5: 157 miles per hour, or higher
Lower level category storms are likely to break tree limbs and knock out power. They can cause damage to the roof and siding of a home on a lower level scale. As you have storms that are a higher category, it is common for homes and neighborhoods to be partially or completely destroyed. While lower sustained winds may not cause widespread damage, they are still dangerous. Homeowners need to follow directions by local law enforcement to evacuate and stay safe.

Projections for 2018

As the 2018 hurricane season sets in, researchers originally estimated a slightly above average season. However the latest information from the 2018 tropical meteorology project forecast schedule from Colorado State University, researchers are now projecting a below-average season on the Atlantic coast. It is predicted that there will be nine more storms for the rest of the season. This is thanks to the cool, dry temperatures in the Atlantic Ocean.

Assisting with Catastrophe Claims

When working with customers that have experienced a hurricane, it is important to remember their fears and frustrations. Increased work flow? How to get assistance with insurance claims is an important thing to know. Plan ahead for hurricane season and work with Aspen Claims Service on overflow. It is a great way to ensure your customers get the service they need and ensuring your staff is not overworked. Contact us today at 888-819-5904 today to get your backup plan ready in the event of a hurricane or other storm/natural disaster.
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Common Roofing Problems Found by Claims Adjusters


August 8, 2018

As a claims adjuster, there are many different scenarios that are encountered when assessing a roof. A homeowner may notice damage and put in a request with insurance to have it repaired. While most roofs last 15 to 30 years, over time natural wear and tear sets in. Review some of these common problems that are found in roofs.

Leaks and Water

Roof leaks are one of the common reasons for damage. Worst of all, when water comes in unexpectedly, it can lead to mold, warping, and more. Water commonly leaks in if shingles are broken or missing, or if there are any cracks. But water doesn’t always come in due to cracks. If the insulation in the uppermost layer, commonly an attic, is gone or not properly installed, this can lead to issues with the temperature hence causing condensation. This unwanted moisture can end up being a costly fix for homeowners.

Gutter clogs

The gutters play an important role in the health of the roof. The two work together to keep water away from the house. When gutters are not properly cleaned, they can clog. This causes a buildup of water and any other debris. Not only will water sit in certain areas, causing damage, but it also leads to extra weight. Over time, the gutters will warp because the extra weight takes a toll. This toll can ruin the gutters and even the foundation of the home. When water sits around the base, it can lead to serious issues down the road.  

Flashing Issues

Roof flashing plays a pivotal role in the overall health of a roof. Flashing is the material that is used in corners and other connections that keep water and outdoor elements away from the inside of the house. For instance, flashing is found around chimneys, along siding, or around vents. When flashing becomes damaged or worn, water will get into those areas and could possibly wreak havoc.

Pooling

Pooling on a roof is common on low slope homes and businesses. There are ways available today to keep water flowing off low or flat roofing. When those water removal systems do not work, it can cause ponding or pooling in one area. The dangerous aspect of sitting water on a roof is the interaction it has with the sun. When you mix the harsh sun colliding with water, it can destroy some of the important elements that keep the roof together. A rule of thumb for homeowners is to watch their roof after it rains. Water should not stay on the roof for longer than two days.

Are you looking for ways to enter the insurance industry? One of the ways you can is by becoming an adjuster with Aspen Claims service. We offer a wide variety of claims adjuster careers in several states across the country, allowing you to experience new things every day in a growing field. Explore more about the claims adjusting field and call us today at 888-819-5904 with any questions. We would love to have you join our team!
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Wildfires in the United States and Discussing Property Insurance with Customers


July 25, 2018

Wildfires can easily start by a simple accident, leaving a devastating impact on nature, wildlife, and homes. Commonly started by people, wildfires destroy more than five million acres each year. Based on conditions, wildfires can spread within minutes, making for a dangerous situation for all in their path. Take some time to learn about wildfires and the importance of discussing property insurance with your customers.

How Wildfires Begin

In a majority of cases, wildfires are man made. Some start due to a person blindly throwing out a lit cigarette onto the ground, improperly starting bonfires or burning items, or leaving a fire unattended. Sadly, some fires are even started intentionally. However, while only in about 10 percent of cases, wildfires can begin due to nature too—commonly through lightning. Dry conditions are the perfect environment for wildfires to spread, especially dry, windy environments. All it takes is one strike on dry land, or a gust of wind to expand a campsite fire.

Common States Most Susceptible for Wildfires

Of the United States’ millions of acres of forest, fires can start in nearly any state. Based on conditions, some states are more likely to experience damage from wildfires than others. California, Texas, North Carolina, Georgia and Montana rank near the top of the most fires total per state. However, Montana, Nevada, Texas, Oregon, and California experience some of the most devastation across the board.

On average, this can lead to thousands and thousands of dollars in property losses each year. When homeowners aren’t insured for wildfires, starting over can seem impossible. To date, October’s wine country fires were the costliest ever. Time Magazine explained there was more than $9 billion of submitted insurance claims. In addition, roughly 245,000 acres were destroyed, and 44 people were killed.

Putting Out the Fires

Firefighters and others on the front lines of wildfires have a difficult task when faced with the situation. Once a fire has begun, it takes much more than water to put them out. Those on the ground use water and other methods to keep fires from spreading. They also try to get ahead of the fires by cutting down growth that may continue to fuel the fire. Teams also use helicopters to drop fire retardant and water from above. Teams have to work together in a planned fashion to handle the existing fires and prevent them from spreading in areas in the path.

Property Insurance for Wildfire Damage

Given that wildfires account for thousands in losses each year, it is important to talk to your customers about property insurance. If your customers live in a state more susceptible to them, be sure they have the proper insurance. However, they can happen anywhere so be sure your customers know the risks. One per year make a call or send them an email informing them of their current coverage. You can help them be more informed by sending statistics about their local area. If you have acquired new clients, be sure to learn how to explain property insurance to new customers.

If your insurance company is in high demand due to wildfires or other disasters, Aspen Claims Service can help. Our team of adjusters assist with daily claims, catastrophe claims, underwriting, inspections, and more in your company’s time of need. This helps provide excellent service to your customers during stressful situations. Call us today at 888-819-5904 to see how we can help.
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