FAQ
What Sets Glacier Apart From Other Roofing Companies In The Northwest?
Our commitment to education and training sets us apart. Our certifications and training exceed what is expected in the industry. We have project managers who are former insurance adjusters and are HAAG engineering-certified roof inspectors.
Roof Repair And Replacement FAQ's
We are very particular about who we allow to work on your roof. Many of our installers have been with us for years. They are trained and certified to build the roofs to the high standards we maintain. When we hire a new roofing crew, they must go through a scrutinizing interview process and are retrained in the Glacier Roof System before they are considered ready to replace one of our clients’ roofs.
After applying, you will get pre-qualified or denied based on the information you enter. Hearth will essentially do a soft credit check and see which lenders will work with you based on your profile. Hearth is NOT the lender, we are simply a broker for the lenders. If you pre-qualify, you will look through all of your loan options, and choose one that best fits your budget/situation and you will move along with the pre-approval with the lender. The pre-approval is where the lenders will do a hard pull on your credit and request for any documentation needed to verify income/identity, etc.
We are fully insured for your protection as well as ours.
Maybe not! Leaks can result from parts of the roof that have been damaged or flashings that have moved with the expansion & contraction that naturally occurs on a roof.
Yes, most homes in Western US should have an ice and water shield. Depending on the elevation of your home, you may need additional rows of ice and water shield on the eaves.
When it comes down to it, the cost of the roof is dependent on numerous factors: general overhead costs, job-related overhead costs, and job-personnel costs.
It can vary, but in general: Asphalt shingles: 20-40 years, Wood shingle/shakes: 10-25 years, Clay/concrete tiles: 25-40 years, Slate: 30-100 years, Metal roofing: 15-50 years, and Synthetic type roofing = 20-40 years.
The best way to know if you need a new roof or not is to have a representative from Glacier come do a thorough inspection. During the inspection, the professional will assess the overall condition of the roofing system, and the individual components (flashings, ventilation, etc..) and make a recommendation based upon the findings. It’s a great idea to call a professional even if you suspect problems as ignoring them can lead to a much more costly repair in the future.
We understand roofing and exterior projects are an inconvenience to your daily life. It is Glaciers mission to get it done right and in a timely manner so that you can get back to your routine. Many residential roofing jobs are completed within a day or two, but this can change depending on the size of your roof. Commercial jobs can take longer due to the size. As your Glacier representative for a general idea so that you can plan accordingly.
We usually advise clients to clear cars, personal items, and decorative pieces away from the area where work will be done.
While you do not need to vacate your home/business, roof repair can be noisy. If that will negatively impact your day, you may want to make plans to not be there during the project hours.
Mowing the lawn within a couple of days prior to arrival is also helpful to the cleanup! Our team will use a metal broom to sweep your property after the project is done to pick up any loose nails. Long grass can prevent this method from being effective.
Hail and wind are the two biggest enemies of any roof because they damage the shingles or roofing material and make your roof less effective at protecting your home. That’s why it’s so important to have a roof inspected after a big storm. Catching the damage before it harms your home can save you thousands in the future.
Call a Glacier professional to do a thorough inspection. Spotting damages can be impossible for an untrained eye. Inspections are free to our home and business owners.
Prior to choosing your roofing/exterior team, we always encourage home and business owners to do their research. There is no prior training required to advertise yourself as a “roofing contractor”.
Unfortunately, there are roofing contractors that take advantage of many people after storms. Most of them travel from state to state and leave town with loose ends or no one to warranty the work after the work has been completed. Oftentimes they do not disclose that they are out of towners. Here are a few tips to choosing the right roofer for you:
- Google them. Do they have a local presence? Many companies try to claim “local” after a storm, but the reality is many of them are not.
- Do they have a website? Have they made it a priority to have an online presence and stay easily accessible to their customers?
- Are they easy to get a hold of? Do they provide you with an email and phone number?
- Read the reviews. A few bad reviews does not mean they are bad. As humans, we can not be perfect all the time. But make sure that the majority of them are good and describe the experience the customer received. Fake reviews are often short, and lacking details.
- Are they licensed, bonded, and insured in your state? This can usually be found on your state website.
A new roof can add substantial value to your home, increase its curb appeal, increase property value, and increase energy efficiency.
Discoloration on interior walls and ceilings, dripping water anywhere in the home, missing or damaged shingles, musty/bad odor coming from walls or ceilings, or any event you suspect may have caused damage.
An on site inspection usually takes an hour or less.
At the end of the day, we ask our crews to make sure it's as cleaned up as possible, and then we do a more thorough cleaning when the work is done.
Yes. Everyone on your project will be covered by Worker’s Compensation and liability insurance.
Insurance Claims FAQ
There is not a direct correlation between filing a weather related property claim and an increase in your insurance premiums. On a rare occasion an insurance company or underwriter may see otherwise. Your insurance premiums will likely go up whether you file a claim or not and in the industry it is considered an “Act of God.” Typically, we see a small increase in a geographic area after a catastrophic storm or fire.
What If My Insurance Provider Issues A Partial Check And Will Issue The Rest On Proof Of Completion?
Glacier understands that each insurance company is different. If your provider retains a portion of your claim money until work is completed (in the form of recoverable depreciation or paid when incurred items), we request that you pay what money you have received (ACV Total) and we will submit the final bill to your provider. Your final claim money usually will arrive within 10-14 business days.
Absolutely! We are experts in insurance claim restoration. We stay updated and informed on how each company handles their claims and their policies. We provide the invoices, codes and paperwork needed for each claim in the proper method and timing that facilitates a smooth claims process.
Glacier is aware that when there is a mortgage on your home, the insurance provider may require a signature from your mortgage company. In this situation, most mortgage companies have designated claim fund departments for your convenience. They will be able to provide you with all the information and documentation you will need to endorse your insurance check.
Many insurance companies offer premium discounts for having a Class 4 Rated roof system. There are many options for shingles that qualify for this discount, and we see a huge difference in quality when the manufacturer mixes asphalt with an SBS Modified Rubber. There are a few things to keep in mind about hail impact-resistant roofs.
You do. This is your copay towards the insurance claim. Most of the clients we work with typically have around a $1000 deductible.
You as a home or business owner are responsible for calling in the claim. But our team at Glacier will help you through the entire process. During your FREE inspection, we will collect photos and documentation and share them with the insurance company. We will also help answer any questions that insurance may ask. If you are unsure of the severity of damage after a storm, it is a good idea to call Glacier first to ensure the damages exceed the deductible before filing a claim.
Yes! Let your Glacier rep know the day and time the insurance adjuster is scheduled to be at your home or business, and we will be there to meet with them. We will walk the roof with the adjuster and show the areas of storm damage and other documented damage. This helps make sure nothing is missed, and allows you to have an advocate to make sure no money gets left on the table.
There are two major types of residential insurance policies: Actual Cash Value (ACV) and Replacement Cost Value (RCV)
Actual cost value policies (ACV): pays you what your property is worth today. Actual cash value is calculated by taking what it would cost to buy your property new today, and subtracting depreciation for factors such as age, & condition.
Replacement Cost Value (RCV): the amount it costs to replace your property with new property, without deducting for depreciation.
This happens more often than not. And while the spike in number may alarm you, it is for your best interest. Your insurance adjuster is not a roofing professional, and therefore can not assess damage with 100% accuracy. We want to make sure that we do the job right, and do not ignore any damage that is present.
We will work with the insurance company on your behalf to document the additional damage and request approval to repair the damage under the initial claim.
Storm damage will vary based on severity of the wind or hailstorm as well as the condition of the property prior to the storm. It can be as obvious as missing shingles or it may be something more subtle such as hail marks that are not visible from the ground. If you're unsure, give us a call! Our inspections are at no cost to you.
Supplements are a settlement for additional work that is identified as required after the initial settlement agreement.
As a contractor, we can not negotiate with an insurance company on the policyholder’s behalf. However, Glacier will document all of the work that is required to restore the damage to ensure you receive the best possible settlement and that can be presented to the insurance company. If insurance has any questions along the way, we can answer them to help.
Insurance companies understand that some conditions cannot be assessed until the roof has been torn off. If additional damage is discovered, we can help you submit a claim for supplemental repairs.
Roof Repair And Replacement FAQ's
Glacier will negotiate any price differences directly with your insurance company. Many times we find errors in a wind/hail claim. Most price discrepancies will be resolved prior to the installation of your new roof.
There is not a direct correlation between filing a weather related property claim and an increase in your insurance premiums. On a rare occasion an insurance company or underwriter may see otherwise. Your insurance premiums will likely go up whether you file a claim or not and in the industry it is considered an “Act of God.” Typically, we see a small increase in a geographic area after a catastrophic storm or fire.
What If My Insurance Provider Issues A Partial Check And Will Issue The Rest On Proof Of Completion?
Glacier understands that each insurance company is different. If your provider retains a portion of your claim money until work is completed (in the form of recoverable depreciation or paid when incurred items), we request that you pay what money you have received (ACV Total) and we will submit the final bill to your provider. Your final claim money usually will arrive within 10-14 business days.
Absolutely! We are experts in insurance claim restoration. We stay updated and informed on how each company handles their claims and their policies. We provide the invoices, codes and paperwork needed for each claim in the proper method and timing that facilitates a smooth claims process.
Glacier is aware that when there is a mortgage on your home, the insurance provider may require a signature from your mortgage company. In this situation, most mortgage companies have designated claim fund departments for your convenience. They will be able to provide you with all the information and documentation you will need to endorse your insurance check.
Many insurance companies offer premium discounts for having a Class 4 Rated roof system. There are many options for shingles that qualify for this discount, and we see a huge difference in quality when the manufacturer mixes asphalt with an SBS Modified Rubber. There are a few things to keep in mind about hail impact-resistant roofs.
You do. This is your copay towards the insurance claim. Most of the clients we work with typically have around a $1000 deductible.
Insurance Claims FAQ
We are very particular about who we allow to work on your roof. Many of our installers have been with us for years. They are trained and certified to build the roofs to the high standards we maintain. When we hire a new roofing crew, they must go through a scrutinizing interview process and are retrained in the Glacier Roof System before they are considered ready to replace one of our clients’ roofs.
After applying, you will get pre-qualified or denied based on the information you enter. Hearth will essentially do a soft credit check and see which lenders will work with you based on your profile. Hearth is NOT the lender, we are simply a broker for the lenders.
If you pre-qualify, you will look through all of your loan options, and choose one that best fits your budget/situation and you will move along with the pre-approval with the lender. The pre-approval is where the lenders will do a hard pull on your credit and request for any documentation needed to verify income/identity, etc.
We are fully insured for your protection as well as ours.
Maybe not! Leaks can result from parts of the roof that have been damaged or flashings that have moved with the expansion & contraction that naturally occurs on a roof.
Yes, most homes in Western US should have an ice and water shield. Depending on the elevation of your home, you may need additional rows of ice and water shield on the eaves.
When it comes down to it, the cost of the roof is dependent on numerous factors: general overhead costs, job-related overhead costs, and job-personnel costs.
It can vary, but in general: Asphalt shingles: 20-40 years, Wood shingle/shakes: 10-25 years, Clay/concrete tiles: 25-40 years, Slate: 30-100 years, Metal roofing: 15-50 years, and Synthetic type roofing = 20-40 years.