Understanding The Insurance Process - How To Use The Public Adjuster And Contractor For Your Insurance Claim
Roof damage insurance claims are often difficult to review and prove. Some roof damage can be covered by your home insurance policy, while other types of damages aren't. This article will provide important information needed when it comes to understanding the public adjuster and contractor relationship for your roof damage.
Roof Inspection and Repair Estimates
It is essential to receive an accurate inspection when you file a roof damage claim. An accurate roof damage assessment provides a good basis for the remainder of your insurance claim and will help you get the compensation you require to get your roof in the condition it was in before it was damaged. However, a bad estimate can completely jeopardize the outcome of your claim.
We encourage you to contact a public adjuster or independent roofing contractor to estimate the damage to your roof. An independent roofing contractor can safely inspect your roof, investigate the damage, and tell you how much it will cost to repair or replace your roof.
Alternatively, many public adjusters specialize in roof inspection and instead of hiring a contractor first and then a public adjuster, you can simply hire a public adjuster to assist you with your roof inspections and handle your claim.
Your insurance company should also send an insurance adjuster to your property to inspect the roof. The insurance companies' adjuster will complete the same inspection to your roof, but results may vary widely in terms of the cause of damage and/or the cost of repairing or replacing your roof.
Best Practice When Dealing With A Roof Insurance Claim
It is important to document everything related to your roof insurance claims. Be sure to take plenty of pictures of your roof damage for your personal records. You can also hire an independent roofing contractor to help if your insurance company states you don't have enough damage for them to pay for roof repair or replacement.
An independent roofing contractor will assess the damage to determine if the roof needs repair and how much it will cost to restore it to its undamaged state. Choosing a roofing contractor with experience is important. Your insurance company may suggest a roofing contracting company to work with, but a professional roofing company with insurance claim experience will be better equipped to make the necessary repairs to your roof in a timely manner. They will also be able to help you walk through the complicated insurance claims process.
On the other hand, you could also hire a public adjuster. Public adjusters are insurance experts who understand exactly what insurance companies cover and don't cover. They negotiate with the insurance company on your behalf to make sure that your roof damage claims are covered properly. Most qualified public insurance adjusters perform roof inspections and know exactly how to handle your insurance claim from start to finish.
Roof damage insurance claims can be tough. Insurance companies want to limit the amount they pay to repair your roof—especially if your roof is older or had preexisting damage. To ensure that your roof is adequately financially covered, look for a knowledgeable roofing contractor and public adjuster. This way, your claim will be managed from start to finish by experts. They'll negotiate with the insurance company on your behalf to ensure that your roof damage is taken care of and you are getting the compensation you deserve.
To find out more about how a roof damage insurance claim works you can give our experts a call today. We will be more than happy to assess your roof damages and take the necessary steps to get your claim approved.