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The Roof Repair Process After An Insurance Claim Is Approved

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Roofer with drill working on roof during sunny weather

Congratulations! Your insurance claim has been approved, and now you can begin the process of having your roof repaired. However, you may have questions about how long the repairs will take, and how to choose the right contractor to perform them.

There’s no need for stress, though—Green Sky is here to help. We’ve performed repairs on countless Calgary roofs over the years, and we know exactly what the process involves from start to finish. Keep reading to learn all about how roof repairs work once your insurance claim has been approved, and find out how to plan your roof repairs effectively.

Important Questions to Ask Once Your Claim is Approved

Claim approval is always a reason to celebrate, but it doesn’t mean your work is over. You’ll need to consider a few more details before moving forward, so ask yourself the following questions:

  • How much will your claim actually pay? Some policies have depreciation clauses that can affect the amount of the payout on older roofs.
  • Will your claim allow you to choose your own contractor? A policy that allows you to choose the contractors and suppliers for your roof repairs may help you achieve better results.
  • Can you afford stronger materials (such as thicker tiles or algae-resistant shingles) to reduce the likelihood of future damage and save you money between additional repairs?

How to Choose Your Contractor For Roof Repairs

Let’s assume that you do get to choose your own contractor for roof repairs. You’ll want to find someone who:

  • Is properly licensed and certified
  • Is insured for both liability and worker’s compensation
  • Guarantees their work and materials or at least a year
  • Offers clear and comprehensive contracts (these should include a breakdown of estimated project costs, a payment schedule, and a date of completion)

What Factors Can Affect the Costs of Roof Repairs?

The costs of roof repairs can vary widely according to what is needed. Understanding the factors that may drive up your repair costs can help you have a clear and productive discussion with your contractor about your budget and priorities.

Replacing Broken Shingles

Shingle replacement may be all that is required for light damage, but more extensive repairs may be needed in more severe cases. The inspection carried out before or during the claims process usually stipulates what kind of repairs are needed.

Roof Removal

The old roof often needs to be taken out before installing new shingles or tiles, especially if damage is widespread. Your contractor can provide an estimate of the costs involved since they can vary widely (from ~$500 to ~$1,500 for a typical ranch-style home in Canada).

Replacing Rafters or Trusses

Damaged rafters or trusses can’t hold up the roof if only the surface has been repaired. The cost of replacing rafters can be anywhere from $1000 to $13,000, so try to get a quote from your contractor ahead of time.

Protecting the Roof from Algae and Fungus

Homes in humid or rainy areas may require shingles or tiles with algae-resistant coatings. These generally increase the costs of roof repair by 10% to 15%.

Adding an Underlayment

Roofs with steep pitches may need an underlayment during repairs to bring them up to fire code standards. Adding an underlayment will increase the time and costs associated with finishing the repairs.

The Green Sky Roof Repair Process

Here’s a thorough explanation of how we approach the roof repair process at Green Sky:

Preparing for the Job

  • As soon as our insurance estimate is approved, we set up an appointment with our sales representative to go over the specifics for the job. During this appointment, we determine exactly what needs to be done (including any of the tasks listed above). We also convey the homeowner’s personal preferences, such as colour and product selection.
  • Next, we contact the customer and go over the estimate with them in detail. Our transparency ensures that the customer knows exactly what work will be covered by their insurance.
  • We also deliver our 7-step presentation about what is needed for a roofing system that offers maximum protection from severe weather. The 7 essential components for such a roof are as follows:
    • Eaves protection
    • Underlayments
    • A drip edge
    • Starter strip shingles
    • Accessories such as metal valleys, gooseneck, and flashing
    • Shingles
    • Ventilation
  • Delivery normally occurs within one to two weeks of the agreement. We order the required products from area suppliers to keep the process smooth and stimulate the local economy.
  • Throughout this process, our dedicated project manager maintains communication with the customer to confirm the start date and inform them when deliveries occur.
  • The roofing crew is coordinated to coincide with the delivery of all roofing materials.
  • We order a bin in which to dispose of waste materials when work begins. The bin will either be placed on the customer’s driveway or on the street if a driveway is not available.
Roofer clipping harness to anchor point while standing on roof

Performing the Work

  • The crew arrives on-site and takes measures to protect the property during their work. They will lay down tarps around the house to safely collect any debris that falls during the process.
  • The crew fills out all required paperwork, including work hazard assessments and fall protection assessments. We take safety seriously at all times.
  • Once the crew gets onto the roof, their first task is to install anchor points to prevent them from falling. They also set up any required Personal Protective Equipment (PPE).
  • Next, the crew will rip out the damaged shingles. Old shingles are disposed of in the bin.
  • The crew will perform a decking inspection to ensure that actual circumstances are consistent with their plans.
  • Assuming the inspection is successful, the crew progresses to replacing any rotten plywood.
  • Ice and water shields are installed in valleys and at eaves, where moisture is likely to collect during wet weather.
  • The roof is covered with a full layer of synthetic material, and drip edges are installed at the eaves and valleys to direct water away from the fascia and towards the gutter.
  • Starter strips are installed to waterproof the rake edges and help prevent shingles from blowing off during harsh winds.
  • The rest of the new shingles are installed, along with any required accessories.
  • The crew cleans up the gutters once the new shingles have been installed successfully.

After the Work

  • Our crew cleans up around the property. For any jobs performed during the winter, we return to complete the cleanup in the Spring when fallen snow will not obscure debris. Our goal is to be thorough and comprehensive on every job.
  • We arrange for the bin to be removed from the customer’s property the day after the work is completed.
  • We send the customer the final invoice and all documentation related to the project. The customer provides the invoice to the insurance company to confirm that the work has been completed.
  • We send the customer a thank-you email and request honest feedback on our work. We always strive for excellence, so we try to improve and grow with every job we do.

Thorough Repairs Save Money In the Long Run

Choosing a contractor who performs detailed work might seem like a significant undertaking, but remember: a contractor who is careful often provides the best results. Use what you’ve learned above to find qualified and experienced help for your roof repairs, and know what to prepare for during the process.

Written by Eric Vezina

Eric is an industry expert with formal education in carpentry and history as a general contractor. He knows his stuff and makes sure everyone on the team has the skills and determination to meet his exceptionally strong standards.
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