Roof damage insurance claims are always an inconvenience and disrupt our daily lives. In today’s busy world, the added frustration of having to deal with contractors, and your insurance adjuster can be stressful! San Antonio Roofing Company, Inc. will help you through the whole process from beginning to end. As a matter of fact, after you file your roof damage insurance claims, your direct involvement with your insurance company can be completely handed off. San Antonio Roofing Company, Inc. is proud to offer roof damage insurance claims filing assistance in San Antonio, TX to our customers when they receive our storm damage roof repairs. Call us today at (210) 390-0416 if you have any questions. Before San Antonio Roofing Company, Inc. tears off the first shingle from your old roof we make sure of the following for your peace of mind:
- Your insurance agrees to the number of squares and components on your roof that will be
- Your insurance agrees to any special circumstances that may affect the cost of replacing
- Your insurance has agreed upon a final cost to replace your roof.
- Your contract reflects the exact same price as your final insurance settlement amount
excluding any upgrades in materials, you may have decided upon.
- Your contract indicates the style, year, and color of the roofing materials you have chosen.
An adjuster roof inspection must occur when you file, so when you first talk with your insurance company, schedule the best date. Your roof damage insurance claims adjuster will investigate all the damage in order to generate a report which makes clear what repairs are needed. We will make all necessary appointments with your insurance adjuster when he inspects your roof. San Antonio Roofing Company, Inc. guarantees all work in writing, keeping our clients in the loop. Your roofing claims specialist will meet with your adjuster to ensure that your roof gets approved and that all the required components are paid for so that you get a quality roof. Pricing is never an issue because we use a software pricing program that most insurance companies use when determining the cost to replace your roof. When you get a report from your roofing contractor, you have proof of your filing with confirmation of storm damage and a way to deal with the insurance company.
Your Roof Damage Insurance Claims Process
Step 1: Note the Date
If you know for sure that you’ve recently had a hail storm, note the date. You’ll need this date to file roof damage insurance claims. If you didn’t take any picture of the hail storm yourself, do an Internet search with the name of your city and the keywords, “hail storm.” You ought to find a lot of pictures of people showing the size of the hail. So, save a few to show the agent.
Step 2: Get a Qualified Opinion
If you suspect you have damage to your roof from a hail storm, get several opinions from qualified roofing companies. If you are in an area susceptible to hail, you will most likely find several that list themselves as hail damage specialist. Simply tell them that you suspect you have damage from a recent hail storm and they’ll be more than glad to come and give you an estimate. While searching, try to find the website in San Antonio, TX that specializes in rating home repair agencies. This will give you an opportunity to read reviews about the companies you might select.
Step 3: Meet the Roofing Companies
When the roofing companies come, spend some time getting to know them and ask about the service they provide. Most will spend about 10-20 minutes on your roof accessing the damage. Ask them what they think and if they’d recommend that you call your insurance company to file roof damage insurance claims. Get business cards and any information they provide about the roofing process that they use. Ask them all if they’d be willing to be there when the insurance adjuster comes to access the damage.
Step 4: File the Claim
If the roofing companies recommended you call in a claim, just call your insurance company and tell them you want to file roof damage insurance claims. They will then request all the pertinent dates and data from you and will probably also ask if you have any interior damage. In most states, you have up to one year to file roof damage insurance claims. Although it isn’t recommended you wait that long, just make sure you know what the date of the hail storm was. Also, don’t worry about how old your roof is because it doesn’t matter. The insurance company will look at your claim and settle it if you have damage no matter how old it is. The last thing they want is for your roof to fail (leak) and you put an even larger claim in.
Step 5: Meet the Insurance Adjustor
When the insurance adjuster comes, they will take about a half hour to access and take pictures of any damage and then explain the next steps to you. Some companies may give you a settlement quote right then, but many can take up to a couple weeks. When the adjuster is done, your contractor will probably compare notes with the adjuster mainly to see if the total roof measurements are about the same. In a case where the adjuster states they didn’t think there was any significant damage, ask your contractor to debate it with them. Even if you didn’t have one there at the time, and you later tell your roofing company what the adjuster said, most insurance companies will send their adjuster back to discuss with your contractor.
Step 6: After the Adjuster Leaves
Make sure you get written quotes from the roofing companies you’ve been working with. Start thinking about which one you are going to select, and make sure you take into consideration a company’s reputation and not just the price or discounted rates they’re offering you. Also, ask them for a discount or upgrade if you should bring them more business. If you had hail damage, then it is likely your neighbors had damage, and you might as well benefit by recommending a roofer to them.
Step 7: Repairing Your Roof
If your insurance company approves your claim, you will most likely get less your deductible, but enough compensation to complete the work. If it’s not enough, your contractor should help you dispute the amount based on the work needed. Don’t be alarmed if your insurance company depreciated the amount allocated for repairs because of roof age. They are just holding back some of the money until the work is complete. So, if they hold back $700 for depreciation and the actual cost of work is a little more then they sent you, all you have to do is send them a letter of completion from your contractor with the exact amount when the work is done and they’ll send you the difference. And that’s it; a new roof for the price of your deductible!
If you have any questions about how the roof damage insurance claims process works in San Antonio, TX, we here at San Antonio Roofing Company, Inc. will be happy to help! Call us at (210) 390-0416.
Call For Storm Damage Repairs Today!
Your filing paperwork for the insurance adjuster should include the roof inspection report and the contact information the roofing company. Before and after pictures of your roof system are also important to forward for visible evidence of damage. When done, your adjuster will use their evaluation and write a damage report that is sent to you. You will receive two checks; the first is issued with your damage report to begin your repairs and the second will be granted once repairs are done and the insurance company receives an invoice.
At San Antonio Roofing Company, Inc., our team of certified, expert roofing contractors are always ready to assist you through the procedure of roof damage insurance claims. From the first inspection to roofing repair or replacement, we assist you through every section of this process. No matter what part of the roofing process, we always make sure you are briefed and that your specifications are met in order to assure you the best customer experience. For all of your roof damage insurance claims requirements in San Antonio, TX and the surrounding area, contact San Antonio Roofing Company, Inc. at (210) 390-0416!