The first step in step in determining whether you should file an insurance claim from storm damage is to properly have your roof and exterior inspected by an experienced contractor with a trained eye for storm damage. Knowing what to look for and where to look is what our representatives have been trained to do and just because you may have SOME damage doesn’t necessarily mean that you should file a claim. Insurance companies require a certain amount of damage to your roof before they will determine it as a loss for replacement but if there is enough damage then you only have a certain amount of time to file a claim.
Now, no one likes dealing with insurance companies but sometimes it’s a MUST! DO NOT make the mistake and do it alone! Knowing how to properly work with your insurance company is critically important to receiving a fair settlement to restore the exterior items (roof, skylights, gutters, siding, windows & window screens, fences, garage doors, patio furniture, etc.) and possible interior items as well that have been damaged by a storm. It all starts when you file an insurance claim and what you say, what you don’t say, and while not all insurance companies are the same, they don’t have open checkbooks and are a for-profit business for a reason.
Think about it, there’s been a hail or wind storm where you live, and your roof and other exterior items around your property have sustained damage….
Q: How many other people around you have roofs and exterior items that have also been damaged?
A: If the damage was significant enough at your property, the storm also damaged other properties in your area and the total number a claims filed could be significant.
Q: How many people have the same insurance company as you do?
A: You’re not the only one and Insurance claims are processed on a first-come, first-serve basis to schedule an inspection by one of their adjusters (internal or 3rd party), so don’t get stuck in the back of the line.
Q: How many claims will be filed?
A: Depending on the strength and size of the storm and the number of homes damaged, 100’s to 1,000’s of properties could have damage depending on where you live.
Q: Did you know that when you file a claim, Insurance Adjusters (Company or Independent) have to respond in a timely manner due to language in your insurance policy?
A: Read your Insurance Policy language and be aware of your deductible (your out-of-pocket costs) and their responsibilities. Your insurance policy is a contractual agreement between you and the insurance company.
Q: Does that mean they have to settle your claim and 100’s or 1,000’s of others in timely manner?
A: Yes, and they make mistakes, their busy, they’re human, they may overlook items that should be covered and paid to restore your property to pre-storm conditions. Our Customer Care & Supplement team takes care of this for you so you can have peace of mind knowing your claim is properly paid to restore your home.
So what are the next Steps? We can help no matter where you are in the Insurance Claims process:
Q: Haven’t filed a claim?
A: Complete the form below and let’s schedule your inspection appointment asap!
Q: Has your claim been approved and all items damaged have been paid for by insurance?
A: Great! Let’s pick colors, style, upgrades and get your project on the production schedule!
Q: Has your claim been approved for partial coverage for repairs but not a full replacement?
A: Let’s see what’s been paid for and what has not been covered. We can help you understand your options to get your claim properly paid.
Q: Has your claim been denied?
A: Let us do a complimentary inspection to determine the amount of damage you have. We can either help validate the denial or you may need request for a second inspection, or hire a Public Adjuster, or hire an Attorney to help? We can educate you on your options and have relationships with the best Public Adjusters and Storm Restoration Attorney’s in Texas.
Complete the form below and let us give your project the attention, skill, and expertise it deserves. Experience the Affluent Way!