Five Things to Know about the Insurance Process for Roof Damage
It is stressful to discover damages to your roof after the ravages of a storm. There's likely to be many questions and concerns about the insurance coverage for homeowners.
The truth is, the insurance process can be confusing and, if you've never been through it before it can be confusing. It is impossible to address all questions or concerns homeowners have about insurance in one piece.
Five essential details that every homeowner must know about how to file an insurance claim for damaged roofing from a storm.
Select adjusters are proud to be Phoenix's roofing damage insurance specialists. We guide and advocate for you through the entire process of insurance claims adjuster phoenix. We claim that we're working for you and not the insurance firm.
This article will explain the five most important points about insurance for roof damage. Also, at the end, don't forget to grab your free Storm Damage Checklist so you can determine for yourself whether your roof could be susceptible to storm damage.
Insurance could be difficult to understand
Both the roofing industry and the insurance industry don't have the best reputation. The sad truth is that there are many roofing and insurance companies who do not always have your best interest in mind.
That's why we declare that the process of insurance can be confusing and hazy. This is an opportunity for scammers to take advantage of homeowners who are desperate to get their roof repaired.
However, that doesn't mean all insurance or roofing firms are trying to profit of you. There are good companies and there are less excellent companies.
What we're trying to accomplish is to let you know that there are those on both sides who unfortunately try to take advantage of people in stressful situations. This will help you to be aware of what could happen and stop it from occurring to you.
Do not sign any form until you have received approval
The roofing industry has a bad reputation, as I pointed out earlier. One of the reasons the industry's reputation was forged is that certain roofing companies attempt to force homeowners to sign a contract before they'll inspect the roof.
This indicates that a roofing business is looking to make you sign an agreement giving them complete access to your roof, even before the claim is approved. This is an obvious indication that they do not have your best interests in the back of their minds.
A roofing contractor who has your best interest in mind will guide you through the process of insurance and give you a fair analysis of whether the roof has been damaged by a storm or not. If your insurance claim has been approved they will ask for your business.
Even if you're panicking in the event of storm damage, don't sign any paperwork from a roofing company before your insurance claim is actually approved.
Insurance adjusters must authorize your claim
Your insurance provider must be contacted immediately if suspect that your roof has been damaged due to storm. They'll send an adjuster from the insurance company out to inspect the roof or they will suggest you contact a roofing contractor.
The adjuster of the insurance company can only accept your claim regardless of what route the insurance company decides to take. If you're deemed to be in need of repair due to storms, a roofing contractor will inspect your roof and offer suggestions for you.
If a roofing contractor believes that your roof needs to be replaced due to damage from a storm, it's up to the insurance adjuster.
Insurance adjusters make errors
Everyone is human and makes mistakes, even adjusters from insurance. Most of the time, an insurance adjuster will spot damage from storms, but sometimes they'll miss a mistake and deny you a claim.
Even if they reject your claim, don't worry. There is a way to double or triple check your roof for damage due to storms.
Inquiring a second adjuster to examine your roof is the best way to obtain a second opinion. If they approve your claim, that's great, but in many cases, the second adjuster might insist that the roof is not suitable for an insurance claim.
After the second adjuster's response has been"no," if you believe that you are suffering from storm damage an engineer may come to your house to inspect your roof and give proof to your insurance company (if any) that your roof is in need to be replaced because of storm damage.
You are able to choose the roofing contractor you want to use
Once your claim is approved, you can choose any roofing contractor in your area you like. It's essential to locate an experienced local roofing contractor who has experience working on insurance claims.
If you are beginning to look for a roofing service make sure that you don't need obtain multiple quotes to get the best price. The reason is that once your insurance claim has been approved regardless of which roofing company you choose, the price for your replacement is determined by the insurance company.
It is not necessary to request multiple estimates. But that isn't a requirement to investigate and talk to a variety of roofing companies in order to choose the best. However, when you are looking for the best one be sure to ensure they are offering top-quality work and are willing to fight for you during the process of insurance.
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