Five Things to Know about the insurance process for Roof Damage
It can be stressful to find roof damage following the ravages of a storm. There's a good chance that you will have numerous questions and concerns regarding your homeowner's insurance.
The insurance process is often complicated and intimidating if you aren't sure what to do. We're unable to address all the questions or concerns that homeowners have regarding the insurance process in a single article.
We can however provide the five most important points that homeowners should be aware of regarding the process for claiming insurance benefits for a storm-damaged roof.
Select Adjusters' team of Select Adjusters is proud to be the experts in roof damage insurance in Phoenix. We help and assist you through the entire process of insurance claims adjuster phoenix. This is why we declare, "We work for you and not for the insurance company."
This article will cover the five most important aspects about insurance coverage for roof damage. Also, at the end make sure you download your free Storm Damage Checklist so you will be able to determine if your roof has possible storm damage.
The insurance process could be muddy
Both the roofing industry and the insurance industry do not have the greatest reputations. It's a fact that there are plenty of insurance and roofing firms that aren't always keeping your best interest in mind.
That's why we suggest that the process for insurance could be confusing and hazy. Some companies utilize this method to gain advantage and make a profit off homeowners who are seeking to get their roof problems fixed.
That's not to say that all roofing or insurance companies want to make money off of you. There are great companies, but there aren't many excellent companies.
All we're trying do is inform you that there are those on both sides who attempt to profit from people who are in a stressful circumstance. Being aware of this at the start can help you stay alert of this and ensure that something similar isn't happening to you.
Don't sign any paperwork until your roof damage claim is acknowledged
Like I mentioned before, the roofing industry doesn't have the greatest reputation. It has a bad reputation because of the numerous roofing companies that try to get homeowners to sign agreements before they have inspected the roof.
If a roofing firm does this, they're trying to force you to sign the terms of a contract which gives them the power to the roof prior to the time your claim has even been granted. This is a clear sign they're not interested in your best interests.
A roofing contractor that is in your best interests in mind will walk you through the process of insurance and provide you with an honest analysis of whether the roof is damaged by storms or not. If the insurance claim is accepted, they'll ask for your company.
Don't sign any documents from a roofing company if you are panicking about the possibility of storm damage.
You have to trust insurance adjusters to decide whether to accept your claim
Your insurance provider should be contacted immediately if you believe that your roof was damaged due to a storm. They'll send an adjuster from the insurance company to look over the roof or suggest you contact an expert roofing company.
The insurance adjuster will approve your claim, regardless of which method the insurance company takes. A roofing professional can check for damage from storms and speak for you , if they think you're in the right place.
But even if a roofing contractor is completely certain that your roof needs to be replaced because of storm damage, the insurance adjuster has the final decision.
Insurance adjusters commit errors
Everybody is human, and everybody makes mistakes. Insurance adjusters are no exception. A majority of the time an insurance adjuster will spot damages from storms. However, sometimes they'll miss a mistake and deny you a claim.
Even if they reject the claim, don't be concerned. There are many methods to double- or triple-check your roof for damage caused by storms.
The best way to obtain an additional opinion is to request an insurance adjuster from another company to visit and examine your roof. Although they might approve of your claim, sometimes the second adjuster might insist that the roof is not suitable to be considered a claim.
If you think you've got storm damage even after the second adjuster tells you no, you may request engineers visit your home, examine the roof, then offer proof (if there is any) to your insurance company that your roof needs to be replaced due to storm damage.
You can choose your own roofing contractor
After the claim has been accepted, it's up to you to select the local roofing company you'd like to work with. It is essential that you hire a local company to your location and has expertise in handling insurance claims.
When you start looking for a roofing contractor, you should be aware that you don't have to obtain multiple quotes to determine the most affordable price. This is because, after your insurance claim has been approved, regardless of the roofing company you choose to use, the insurance company will determine the price for replacing your roof.
Although you shouldn't receive several estimates does not mean that you shouldn't do your research and speak to a variety of roofing companies to find the right one for you. It is important to ensure that they provide top-quality services and are willing to fight for your rights during the insurance process.
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Select Adjusters
4570 S Eastern Ave UNIT 23, Las Vegas, NV 89119
8882753752