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Roofing and Insurance

 

 

Roofing and Insurance

 

With the right roofing company, you can get the insurance company to pay what they should pay. If your insurance company has denied your claim for roof repair, don’t worry. No is rarely the final answer in these situations.

If you face damage after a storm, whether from wind or hail, the first thing you should do is contact your insurance provider for an estimate on repairs. Replacing your roof is going to be expensive, and if you can get the help of your insurance plan to cover some of the cost, you will be in far better financial shape. However, when it comes to roofing, insurance adjusters are experts at finding reasons to deny the claim. After all, they do not want to pay for the expensive repair any more than you do.

If your claim has been denied by your insurance provider, do not assume that the answer is final. Often, you can get that “no” changed into a “yes” with a little hard work and creativity.

First, choose a roofing company to help with the repairs. Even if the claim is eventually denied again, you will need someone to do the work, so start shopping around for an experienced contractor. Choose one that works with a company who has experience in these negotiations. Don’t take their word for it. Ask for testimonies from past clients that point to the company’s ability to successfully negotiate with insurance providers. Remember, insurance companies are experts at getting out of paying what they should, so you need a skilled negotiator on your side.

Once you have a company in mind, have them come to your home to inspect your roof. The inspector will be able to determine whether or not you actually have damage, and if there is a potential that the insurance could pay for the damage.

If the inspector feels that the roof is damaged, but the insurance adjuster did not, you can request a second inspection from your insurance company. Have the inspector meet the insurance adjuster to discuss the damage. Often they can negotiate better than you can, because a professional roofing contractor has far more knowledge of what a roof should look like than you do, and maybe even than the insurance adjuster does.

Once you have the insurance company’s go ahead for the repairs, you may find that the amount they offer you is insufficient to get the job done. Again, your contractor can help with this. They can negotiate a better price based on fair market value for materials and labor.

Sometimes your insurance company will approve the repair but will suggest the individuals you use for installation. In most states you do not have to use the suggested company. Take the time to shop around for a better roofer who will do the job well with top of the line materials.

 

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