Why do I need a contractor on site for the adjustment meeting with the insurance company?
Adjusters who come to inspect your roof don’t know a thing about roofing! They have been trained to use their company’s template for their initial estimate and are limited on what items they are allowed to include. Often after a hailstorm, these adjusters can have over 10 inspection to do in a single day — that means they may not give your property the time it deserves.
Why will I have to supplement my claim? Won’t the insurance company get it right the first time?
Insurance companies have done a great job marketing themselves with slogans that lead you to believe that they will treat you fairly and provide complete accuracy the first time. They tell us: “Nationwide is on your side”, “you are in good hands with Allstate”, and “like a good neighbor State Farm is there”. Because of this, ninety percent (90%) of homeowners never supplement the initial estimate — even though 85% of them are inaccurate and underpaid. Most insurance policies only require that the insurance company inspect the property and make some sort of payment within 10 days. They are not required to be accurate and it is important to remember that insurance companies are financial institutions — their goal is to always settle your claim as fast and as cheap as possible!
What happens if the insurance company misses items or codes them incorrectly?
When items are miss coded or left off an estimate, homeowners and roofing contractors can submit a “supplement” to the insurance company to make sure the scope is accurate and reflects the damage that was discovered on your property.
Do I need to be onsite for the adjustment meeting?
Absolutely. As the homeowner, you are the one in a contract with your insurance company. It is important for you to play an active role in the restoration of your property after you have experienced storm damage.
Why should I have someone inspect my roof after a hailstorm?
Besides the peace of mind you will receive by knowing what is going on with your roof, you are also obligated by your insurance company to have your roof inspected if you believe you have experienced hail damage from a recent storm.
How much time do I have after a storm to file a claim?
All insurance policies are different, but most insurance companies give homeowners one year from the date of loss or date of discovery to file a claim.
What happens if I don’t get my roof inspected?
Many homeowners think if they can’t see damage from the ground and a leak isn’t present, they have nothing to worry about. The problem is that most hail damage cannot be seen from the ground and leaks can take months or years to reveal themselves. At that point, it may be too late to file a claim and you will have to pay out of pocket for the entire cost.
Will filing a claim increase my rates and why?
Storm damage is considered an “act of God” and your rates will not go up if you personally file a claim. Insurance rates go up based on the storm activity in any specific area based on the number of claims within that given area.
How do I know if I should file an insurance claim for hail damage?
In order to know if you should file an insurance claim, you need to have a trained professional come and do a storm damage assessment of your property. During the storm assessment inspection, we will be looking to see if you have 6-8 hail hits in a 10’x10’ section. This is called a square. Insurance companies require there to be hail damaged on the four main slopes of your roof in order to justify a whole roof replacement.