Insurance restoration experts go through the process of an insurance claim
Insurance restoration in Charlotte NC can be a difficult situation after finding damage to your home’s roof after a big storm. There are probably a lot of concerns and questions on your mind, especially about how to deal with your homeowner's insurance.
If you have not been through it before, the insurance process can be overwhelming and confusing. Unfortunately, your insurance company might deny your claim due to an administrative error if you do not follow the proper steps when filing a claim for roof damage. This is why you are going to read about what you need to know when looking to have your insurance pay to fix the damage to your roof.
The process can be difficult
Both the insurance and roofing industries do not have the best reputations. The truth of the matter is that there’s a lot of insurance and roofing companies that do not have your best interests in mind.
This is why the insurance process can be difficult and confusing. There are companies out there that use this confusion and difficulty to their advantage and scam homeowners who need to get the problem with their roof taken care of right away.
Obviously, not all insurance companies have goals to take advantage of you. Just like other industries, there are some great companies out there and some not-so-great companies.
Understanding that there are people and companies that will try to take advantage of your stressful situation from the beginning will help you to be aware to be sure this does not happen to you.
What will an insurer look for?
When your roof is inspected by the insurance company’s inspector that they send to your home, they will usually look for any damage that is prominent or other weather-related damage that has been done to your roof. This inspector will look for any dark spots or “bruising” on your roof’s shingles where the granules of the shingles are missing and exposing any fiberglass or underlayment. Newer damage will usually have a shiny appearance and any older damage will appear dull due to the exposure to weather.
Smaller damage does not pose any immediate threats to your roof’s structural integrity; however, it can eventually lead to problems. Be aware that many insurance companies will have a limitation of how long a damage claim will be viable. This makes it a good idea to get in touch with your insurance provider as soon as possible after a major storm.
Insurance restoration in Charlotte NC: hire the most reputable roofing contractors
An insurance restoration expert should be contacted after your roof damage claim, look for a reputable company that has experience working with insurance claims to communicate with your insurance agency and provide proof that your claim is valid and can replace your roof correctly, without causing more damage or charging an unreasonably large amount. Be thorough with this because choosing a roofer with a poor, or no, reputation can cause any future insurance claims to be denied due to previous installations that weren’t done correctly.
Steele Restoration is a fully licensed and insured Charlotte NC based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney.
Insurance restoration and filing an insurance claim
Insurance restoration is needed after your home or business has damage due to a storm or other weather-related event. Property insurance claims experts say that when filing for a roof insurance claim, homeowners should note that the insurance company will send out their adjuster to check out the damage to your roof and decide the amount that will be provided for your repairs. Therefore, it is essential to talk to an experienced roofing contractor so you can prepare yourself for the eventual results that will come from the evaluation done by the insurance company. It is also important to know what and what is covered in your roofing warranties, both the manufacturer’s warranty and the workmanship warranty.
What happens if a claim was rejected?
Property insurance claims experts say that it is also important to know that with the recoverable depreciation and the age of the roof, the insurance company can withhold depreciation or part of the insurance restoration amount you are to be paid because sometimes, people keep the insurance money for their roof repairs and spend their payout on something else entirely. In the case where your insurance company denies your claim, you can appeal to them using the help of a public adjuster. When looking for a roofing contractor, be sure to request references and examples of their previous work. You also have the liberty of shopping around and getting multiple estimates so you can make sure that you are not being overcharged by the roofing contractor. Also, you’d be able to get all the important information you need to get the best value and quality work on your roofing system.
Keep the proof for insurance restoration
Lastly, the more detailed your documentation is, the more it validates your argument when you want to file a roof damage claim with your insurance company. In the case that you do not have enough damage to make a worthwhile insurance claim, your roofing contractor can likely work out a plan for repairs with you. However, if there is extensive damage or even a total loss that will require filing an insurance claim, your earlier video and photo documentation will come in very handy alongside measurements of the roof, the damaged areas, the cause of the damage and finally the dates and time that the damage occurred.
Best roofing contractor in Charlotte NC
Steele Restoration is a fully licensed and insured Charlotte NC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney. Let’s guide you through your insurance claim procedure.