If you’ve never filed a storm damage insurance claim you may be unsure as to what comes next. Don’t let the process, the adjustor or your insurance company intimidate you. There are laws in place to protect you and, assuming you choose a reputable roofing company for the repairs, all will go as it should.
Three Things to Do as Soon as You Know You Have Storm Damage
Let’s assume you’ve already alerted your insurance company that you suspect you have a storm damage insurance claim. The next thing you should do is take pictures of the damage you see. Make sure the images clearly show that it is your home. Then contact your roofing company. Having their estimate before your adjustor comes lets you know their opinion about repairing or replacing your roof before the insurance company provides their opinion. Finally, when you get the details about the claim and what will be covered, share that with your roofing company. That helps them know what work they need to do and also helps avoid insurance fraud.
Why Won’t My Insurance Cover My Entire Storm Damage Insurance Claim?
Although siding, windows and gutters are generally covered at their full value, that’s not always true of roofing claims. There are two types of coverage you may have; actual cash value and replacement cost value. If you have an actual cash value policy, your policy will pay for the value of your roof today. This is also known as depreciated value. If you have a replacement cost value then your insurance company will pay the cost to replace your roof. However, you likely won’t receive the entire amount until you send proof that you’ve replaced the roof. Know what type of policy you have before you need to use it.
You Have the Right to Choose Your Own Roofing Company
Your insurance company will likely recommend a roofing company they want you to work with on your storm damage insurance claim. It’s usually a company who provides their services at a lower cost than the competitors. Of course, your insurance company wants you to use them because it costs them less. However, you have the right to choose the roofer you want doing the repairs. After all, cheaper may be better for some things, but certainly not your home’s roof.
Cooley Roofing Accepts All Storm Damage Insurance Claims
Whether you have a replacement value policy or a depreciated value policy we can help. We also offer financing in the event you want to finance the balance of the repairs for your depreciation policy or want to do other improvements at the same time. You can trust that our team will not only do the job right, but provide you with the information you need for your storm damage insurance claim. Call us today to schedule your free estimate and consultation – (336) 766-6488 or click here to fill out our contact form.
