We can assist you with every step of the insurance claims process if your property has suffered from storm damage. As experienced roofing contractors, we understand every aspect of the insurance claims process and will work to maximize your compensation and make sure you aren’t taken advantage of by the carrier. We have licensed insurance claims adjusters ready to take your call. Contact us today if you have any questions about storm damage, filing insurance claims, or any of our roofing services.
Your guide for the insurance claims process
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Roof Insurance Claims
We want you to know that we aren’t just here to replace or repair your roof and call it a day. We are well-versed in the entire insurance claims process and will be with your every step of the way to make sure your interests are represented. When property owners are confronted with storm damage, it can be a very stressful time. Unfortunately, there are companies who will take advantage of the fact that your defenses are down, and all you can think about is having the damage repaired ASAP. It is important to understand the following about the insurance claims process:
— Insurance carrier representatives work for the insurance company, and part of their job is limiting loss for the insurance company. As a property owner, you pay insurance premiums, and this means the insurance carrier has an obligation to you. Do not settle for fewer repairs than you need.
— Insurance carriers will offer you a list of preferred contractors. These roofing contractors often pay a percentage of the claim to the insurance company in order to be on this list. This type of business relationship also means that they can be pressured to help limit loss and compensation for the insurance carrier. It is important to do your own research when choosing a roofing contractor.
— It is not necessary to get three estimates. The insurance carrier will only pay for the lowest estimate you receive. This means you will be left with the cheapest contractor, but not necessarily the best.
— An insurance carrier cannot raise your rates due to claims that are a result of “Acts of God.” The insurance company can raise rates by region, but not your individual rates because of a tornado, wind storm, or hail storm.
— As your roofing contractor, we can attend the insurance inspection, point out damages, and contact your carrier with any supplemental items that are discovered after the initial inspection. Supplemental items might be code upgrades, additional layers of shingles, damaged decking, siding damage that was not initially covered, and more.
— Most insurance policies require that you report the loss as soon as possible. Most insurance companies but a time limit on how long after the damage occurs that you can report and file a claim AND how long you have to rebuild and collect depreciation.
— Under no circumstances should you ever give money down prior to the start of work.
— It is important to educate yourself on local building codes, and feel free to quiz your contractor on these codes!
— Make sure to ask your roofing contractor to name you as an additionally insured party on the contractor’s liability and workers compensation certificate BEFORE work begins.
— It is important to collect lien waivers from the roofing contractor, the contractor’s suppliers, and any subcontractors that will be used during the work on your property. If you skip this important step, you could end up holding the tab for a subcontractor or supplier.
This is advice we give to our friends, family, and valued clients. It is important to do your own research so you can make the most informed decision when it comes to hiring a roofing contractor.
Licensed Roofing Contractor
When you choose us as your roofing contractor, we will help navigate what can be a very confusing insurance claims process. We will do what it takes to make the whole process as painless as possible. Our goal is to make sure you are treated fairly by the insurance company and to get your home back to normal. Call us today if you have any questions about our roofing services or the insurance claims process.
Full-service roofing contractor
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We assist with insurance carriers, and the insurance claims process in St Louis, Jefferson County, St Charles County and all cities in the Metro East area!