Insurance Claims 101
Everything You Need To Know About Roofing Insurance Claims
Before You File a Claim
If you think your roof or property has been damaged by a storm, contact a reputable company, like Endeavor Exteriors, to come out and give you a pre-inspection report. At this point, you are not filing a claim, just starting the information process. Using a reputable contractor will ensure that any work done is the highest quality with the best warranties.
Meet With Your Contractor
Next, schedule an inspection with the selected roofing contractor. You want to do this before an actual claim is filed. The damage may not be as great as you think. If it is less than, or close to, your insurance deductible, filing a claim may not be in your best interest. Filing unnecessary claims may cause your insurance company to raise your rates or even drop your policy.
File Your Insurance Claim
If the contractor’s estimate for repairs warrants filing a claim, do so now. Your insurance company will most likely schedule an adjuster to inspect your roof to approve and process your claim. Schedule a time when your contractor can also attend this inspection. It is very important that a contractor is present with the insurance adjuster. The claims specialists at Endeavor Exteriors are your advocates during the insurance inspection.
Meet With Your Adjuster
Insurance adjusters have a home inspection checklist they will follow when determining the damage done to your home. Your roofing contractor will be able to represent your needs and make sure that the adjuster is aware of all damaged areas. Having an experienced and professional company represent you during the inspection will increase your claim value and avoid any negative interactions.
Once your insurance claim is approved, go over the details of the insurance coverage with your roofing contractor. This will allow you to ask any questions you need regarding the repair work and the warranty the contractor will provide. This is where the claims specialists at Endeavor Exteriors can help you understand all repairs the insurance company is covering and any they aren’t.
Time For Your Project to Begin
When you have received the answers to your questions, sign the contract with the roofing contractor and get your roof repair work scheduled. Your insurance company will provide payment directly to you. You will be responsible for paying the insurance check, depreciation and deductible to the contractor. Your insurance company will require proof the repair work was performed. Endeavor Exteriors will supply any necessary information for you.
Filing your claim just got easier.
We work with some of the top insurance companies in the nation so your claim is approved and processed quickly.
Questions? Want to schedule an appointment for residential or commercial roofing services? Contact us today.