We know when your roof is damaged from a storm, that timely, personal service means everything. We don't simply email or fax a quote after receiving info regarding your damages. We visit the site personally and view the damages. We walk the property with the insurance adjuster. We determine your individual needs and prioritize your work to get you back to "normal" as soon as possible. Our people have been professionally trained to correctly assess your damages, provide you with a fast, accurate inspection report and quote you the materials and services you need. We have 14 Haag Certified Hail Roof inspectors on staff. This means that we can be responsive to your needs and you can trust the results. We specialize in hail damage evaluations and other extreme weather scenarios.
Contacting the claims department of your insurance company as soon as possible is an absolute must. You’ll want to find out how long you have to file a claim because if you don’t file a claim within the allocated time frame, you may end up paying for all the expenses yourself.
Insurers do not typically force you to use their recommended contractors. Although their contractors are typically reputable, there is no guarantee you will get the quality you expect. Comparing contractor companies is always a good idea. As with any contractor, you’ll want to meet with them to go over expectations allowing you to decide if their services meet your needs; dealing with any contractor service just like you would if an insurance company was not involved.
Minor damage should not be overlooked as they can cause problems in the future. A professional inspection will confirm how much damage you have and whether your roof needs to be repaired or replaced. Minor repairs that are less than your deductible can be handled outside of the insurance claims procedure to ensure your coverage is not affected.
Manufacturer warranties have specific exclusions for hail damage and limitations with regards to wind coverage. Roofing contractors offer warranties that cover their workmanship. If you have hail or excessive wind damage file a claim with your insurer as soon as possible.
It is important to understand the details of your coverage and how your premiums may be affected. Compare the costs of your deductibles and premium changes to the overall cost of the repair before filing a claim to ensure it is worth your while.
It’s always a possibility that insurance adjusters and roofing contractors can miss or overlook damage. When there are a large amount of claims coming in, your claim may not get the attention it deserves which can result in it being denied. You have the right to appeal a denied claim especially if you are aware that your community or neighborhood have had their claims approved. It’s always a good idea to get another independent inspection as well, so you can compare and provide evidence with your insurer in case any damage was overlooked.