Severe weather happens everywhere and sometimes roofs are damaged by hail, lightning, high winds, and many other forms of extreme weather. If this happens to you, knowing how to handle an insurance claim is extremely important. We have years of experience in dealing with insurance companies and can be a huge help to you in filing your claim.
How do you determine if your roof is damaged?
After a major storm has struck your neighborhood, you may wonder if the weather has damaged your roof. If you heard the wind throwing tree branches and debris around your house or hail beating down on your roof there is a good possibility that your roof has suffered some damage. If you feel you have any reason for concern, don’t wait for another storm to cause water damage because your roof was compromised. Give us a call and we will be happy to stop out to give you a free inspection. If we find significant damage we can help you file a claim with your insurance company to get the damage repaired as soon as possible.
The process
Filing an insurance claim can be confusing and overwhelming. That’s why we specialize in helping our customers deal with their insurance companies.
The first thing to do is to contact your insurance company and schedule an appointment with an adjuster to assess any damages. We are happy to come out at the same time as your adjuster to help you be certain that you have an advocate to make sure that your best interests are being served. After the adjuster finishes the assessment, the insurance company will most likely send you a summary of damages. You will have the opportunity to review this summary and we are glad to go over it with you. Once you accept the insurance company’s assessment they will usually send you a check for half of the total amount of the insurance claim.
Replacing / Repairing the roof
Following the claim approval we will work with you to choose all the proper materials for your new roof or repair. If there is a mortgage on your home the first insurance check will probably need your mortgage company’s approval of the contract. (We can help you through this process if you have any problems.)
At this point we can begin your repairs or the replacement of your roof. We will continue to help you make sure that your insurance claim paperwork is being handled properly.
After the job is complete, we will submit the signed verification of the completed roof project to your insurance company. After the insurance company reviews the information, you will be sent a second check to cover the remaining cost that the first check did not cover. At that point you will pay us the final invoice for your roof and the project and insurance claim will be complete.
We are happy to help throughout this entire process. If you think you have any type of roof damage don’t hesitate to give us a call and we will stop by to give you a free inspection and answer any questions you may have.