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5 Things You Should Learn About the Insurance Process for Roof Damage

Dec 29

It can be quite stressful to discover damages to your roof after the ravages of a storm. There's a good chance you have lots of questions and issues, especially about dealing with your homeowner's insurance.

It's true that the insurance process can be complicated and difficult if you don't understand how to proceed. It's impossible to address every concern or question most homeowners have about the process of insurance in one article.

We can however provide 5 crucial things homeowners must be aware of regarding the insurance claim process for a damaged roof from a storm.

Select Adjusters' team of Select Adjusters takes pride in being the roofing damage experts in Phoenix. We serve as your advocate and guide through the insurance claims adjuster Phoenix process. We prefer to say that we are working for you , not the insurance firm.

At the end of this post, you'll be aware of the five essential things to know about the insurance process to cover roof damage. Also, at the end do not forget to get the free Storm Damage Checklist so you can figure out whether your roof could be susceptible to storm damage.

The process of obtaining insurance could be confusing

The roofing industry as well as the insurance industry don't have the best image. The unfortunate truth is that there are a lot of insurance and roofing firms that do not always have your best interests in mind.

We like to claim that the process of obtaining insurance can be muddy and confusing. Some companies utilize this to their advantage and make a profit off homeowners who are desperate to get their roof issues addressed.

That doesn't mean that each roofing company or insurance company will be out to take you. There are some excellent firms and some that aren't so great.

We're trying to show you that both sides have people who seek to exploit people in difficult situations. Understanding this from the beginning helps you be aware to ensure something like this will never happen to you.

Don't sign any forms until your roof damage claim is acknowledged

As I stated earlier the roofing industry does not have the most reputable reputation. It has a bad reputation because many roofing firms try to force homeowners into signing contracts before they inspect the roof.

When a roofing business does this, they're attempting to bind you into a contract that gives them the right to your roofing before your claim has even been granted. This is an evident sign that they don't have your best interest in mind.

An honest roofing professional will help you navigate the insurance process. They'll also provide an honest evaluation of storm damages to your roof. If the insurance claim is approved , they will require your name and address.

Even if you're scared when you have storm damage, don't sign any paperwork from a roofing business until your insurance claim is actually granted.

You have to rely on insurance adjusters to accept your claim

If you are concerned about damage to your roof after a heavy storm, the first thing to do is contact your insurance company. After you've spoken to them, they'll send an adjuster from their insurance company or ask you to call a roofing contractor for an inspection.

Whatever path the insurance company chooses to go down the adjuster for insurance is the only one who has the authority to approve your claim. A roofing contractor can inspect for damage from storms and speak on your behalf if they believe you have it.

However, even if a roofing contractor is 100% certain that your roof needs to be replacement due to storm damage, the insurance adjuster has the final decision.

Insurance adjusters commit mistakes

Humans are all human, and everybody makes errors. Insurance adjusters are no exception. A majority of the time an insurance adjuster will spot the damage caused by storms, but occasionally they'll make a mistake, and deny you a claim.

Do not be concerned should they not pay your claim. There are a variety of ways to double- or triple-check your roof for storm damage.

Inquiring a second adjuster to examine your roof is the most effective way to get an additional opinion. If they approve your claim, great, but in many cases, the second adjuster might insist that the roof is not viable for an insurance claim.

After the second adjuster's statement that no, if you think that your roof is damaged by storms An engineer will be able to come to your house to look at your roof and provide proof to your insurance company (if there is any) the roof needs to be replaced because of storm damage.

You can pick your own roofing contractor

After your claim has been approved, you can choose any local roofing contractor that you like. It's crucial to locate a local contractor who has experience working with insurance claims.

However, be aware of the reason to get multiple quotes in order to get the lowest cost when you are searching for a roofing company. The reason is that after your insurance claim is approved, no matter which roofing company you select, the insurance provider will decide the cost for your replacement.

Just because you shouldn't get several estimates does not mean that you shouldn't research and talk to multiple roofing companies to choose the one that is right for you. But when looking for the right one you must ensure they are offering top-quality craftsmanship and are willing to fight for you during the process of insurance.

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4570 S Eastern Ave UNIT 23, Las Vegas, NV 89119