Barrelle Roofing has discovered that a high percentage of insurance claims are denied without having a trained eye for storm damage and knowledge onsite to help make sure your property is given a full & fair inspection. If your roof has been damaged, it is recommended that a roofing company first evaluate the damages prior to filing an insurance claim. Once the determination is made that it is best to file claim, you should contact the insurance company directly and not your local agent. Your insurance company will set a date and time to inspect your property. At this meeting it is important that you have an experienced, reputable storm damage restoration firm.
We have found that experience levels of adjusters vary greatly and many times mistakes are made on the scope of work which leads to a payment being too low (see Homeowner Rights D below). However, the insurance adjuster does have the final decision on whether or not your property is partially or fully awarded. There are a few rights that you need to be aware of before the process begins:
A.) You are allowed to have a storm damage contractor present with you at the adjuster meeting. Few homeowners have any experience with hail, wind, or storm damage.
B.) If damages are awarded, you are allowed to select the company to repair the damage. Your insurance company cannot force you to use a contractor you do not know and/or trust.
C.) If your claim is denied, you have a right to appeal for issues such as; the adjuster’s failure to inspect the entire damaged area, inspecting the damage without you or the storm damage contractor being present, or you simply do not agree with the findings of your adjuster.
D.) It is also your right to have a public adjuster in the event that you feel that your insurance company is not offering a fair and adequate settlement of your claim. We have public adjuster claims specialist that we work closely with and recommend if necessary.
Before you call your insurance company, take the time upfront to do your research on which contractor is the best match to work with you during the claims process & more importantly to repair the damage correctly if your claim is awarded.
Selecting your roofing contractor at the beginning of your claim process will save you time and frustration. Let the professionals at Barrelle Roofing assist you in taking care of all of the details.
Contact us now for your FREE ROOF INSPECTION