Insurance Claim Process
If you reside in the Denver area, by now you should know that hail and high winds are just a part of life. These two natural factors can cause damage to your home and yet you may be unaware of it. And now you are probably thinking if it is worth making a claim for something that did not cause any obvious damage.
Note that both wind and hail storms can adversely affect the integrity of your windows and roof without leaving any noticeable damage, which may result in a major costly problem as time passes. By then, it would have been too late to have the insurance pay for it. This is because most insurance carriers limit your time to file a claim. You don’t have to wait till you have water dripping through your ceiling or your roof caves before you call your insurance company.
Just as finding out that a roof or window needs to be repaired or replaced can pose great trouble for many homeowners, handling insurance claims, speaking with adjusters and ensuring you are reimbursed for all covered damages can also be but a daunting process. The worst of it all is that most homeowners are simply unsure about how to file a claim and be paid. If you are one of such homeowners, you can protect yourself and your investment by employing the services of a competent contractor to represent your best interests. Bear in mind that you have paid your house insurance, therefore ensure you get the highest worth for your claim .
The adjuster will need permission to climb your roof and inspect it for signs of damage. In the case of hail or wind damage, the adjuster will measure out a “test square” on every slope of your roof. The damage being looked for are breaks, splits or lifted shingles per “square”. Your home owners insurance will pay to repair or replace your roof, less the cost of your deductible. You are entitled to have your contractor-of-choice represent you during the adjustment process. This will save you from time off from work and the general headache of the claims process.
The first thing to do if you noticed that your roof or window has been damaged is to have it inspected. You can do a quick, ground-level assessment yourself, by looking for shingles that have blown off the roof or other obvious damage signs. Even if the damage is not visible, that does not imply it is not there. For a proper assessment, you will need to call in an expert. JRC Exterior Solutions offers free inspections in accordance to what your insurance company will look for in their assessments. We will look for lifted and creased tabs, hail impacts and missing shingles to know if an insurance claim is necessary or not. Thereafter, you will contact your insurance agent.
How to Make a Insurance Claim
Contact your insurance agent or JRC Exterior Solutions if you have had hail or high wind in your neighborhood. You will be assigned a claim number and an adjuster to inspect your property. The adjuster will make an estimate of the damages incurred. JRC Exterior Solutions will work with you as needed to assure you receive a fair insurance claim settlement.
Filing for hail or high wind damage insurance claim can be a frustrating and confusing process. The insurance company will assign you a claim number and an adjuster to inspect your property. The adjuster will need permission to climb your roof and inspect it for signs of damage. In the case of hail or wind damage, the adjuster will measure out a “test square” on every slope of your roof. The damages being looked for include breaks, splits or lifted shingles per “square”. Thereafter, the adjuster will make an estimate of the damages incurred.
Next, the adjuster will submit the claim for approval for repair or complete replacement depending on the extent of the damage. To save you time and the general headache of the claims process, you are permitted to be represented by your choice of contractor during the adjustment process. The contractor will then do the work for that exact amount stated by your insurance company.
Completing the Work
The insurance company provides an estimate for the job, and will pay to repair or replace your roof, less the cost of your deductible. This is very important as it helps to avoid any fraudulent act. Once the estimate is provided, your contractor will write a contract and carry out the task as stated in the estimate. Once done, they will provide a Certificate of Completion which will be sent to the insurance company to pay the last claim amount.
Hire an expert roof and window contractor
The roof damage insurance claim process can be very confusing. However, the expert roofing contractors at JRC Exterior Solutions will make the entire insurance claim process a breeze. We have successfully completed several storm damaged roofing repairs and also have the expertise needed to work on your behalf. Whether you need roof replacement, gutters and siding installation, Awnings and replacement windows among many others, our trusted roof insurance claim experts will help you get the most out of your insurance claims without the complications of doing it alone. Contact JRC Exterior solutions at 303-916-1488 for your free roof inspection or storm and hail damage assessment.