How To Make An Insurance Claim On Your Roof
How To Make An Insurance Claim On Your Roof In Charleston NC
- Contact your Insurance Agent to request a free inspection on your roof by one of their adjusters who are a qualified roofing contractor Charleston NC.
- An adjuster will be sent & assigned to inspect and evaluate your roof.
Make the utmost effort to be present for their inspection to obtain a clear understanding of their evaluation.
- The claims adjuster should & will provide you with an itemized detailed explanation of their inspection on your roof.
- Be aware that your deductible amount will be subtracted from the amount paid on your claim. B. Often your claim will be “Depreciated” to an extent, however, most policies grant full Replacement Cost coverage on your Charleson roof. In this case, the depreciation will be repaid to you upon submitting a paid invoice to your insurance company. C. Frequently your insurance broker draft checks will be issued in the name of the Homeowner and Mortgage company. It will be required to obtain all necessary and madatory endorsements before the checks are valid for payment.
- Contact a roofing professional for a free estimate.
After making your initial call to the insurance company the professionals at Bennett Roofing will be glad to assist you in the claims process(at your request) by providing you with a free estimate, reviewing your claim settlement for accuracy and getting necessary endorsements on your insurance drafts.
At Alpha Omega Roofing Charleston SC we realize that the insurance claims process can be overwhelming. You have a right to have the damage to your home completely repaired and returned back to its original condition. Face it, your insurance company does not have your complete interests at heart. Their primary responsibility is to be profitable for its shareholders. So there is a conflict of interests that can affect your claim settlement.
We have the experience necessary and we have worked hundreds of claims so we know how to make sure that you get the insurance settlement that you are entitled to under your insurance agreement.
Claims Settling Tips For Your Roof:
Track all expenses associated with the loss. They may be reimbursable under your homeowners insurance policy. Examples could include mileage and meal expenses if called into court for the claim or temporary repairs made to protect against additional damage.
Keep copies of all your paperwork for future reference.
Don’t start permanent repairs until the insurance company claims adjuster has assessed the damage and you’ve been given the go-ahead.
You have the right to choose the contractor. Your insurer may provide you with a list of pre-approved contractors to save time and hassle, or you may be asked to obtain written estimates from a few licensed contractors of your own choosing. Regardless of the procedure, the policyholder has the final say in contractor selection.
You have the right to negotiate the settlement amount. If you’re having a difficult time with the adjuster, contact the company directly and be firm and ask to speak with the consumer services department or the claims division manager. If you still find the settlement unacceptable, follow the appraisal procedure outlined in the insurance policy. Most appraisal procedures work by you hiring an independent appraiser at your expense. Once the appraiser reaches an agreement, then the claim is settled at that amount in full.
Get Help With Your Claim On Your Damaged Roof
If you feel that you’ve exhausted all efforts with the insurance company, call the Charlotte NC Department of Insurance Consumer Hotline at 1-512-322-2266. The department, which regulates all insurance agents and companies within the state, will provide you with information and advice on how to proceed.
If you still can not reach an agreement don’t be sad, you always have the option of seeking outside legal advice. Remember, you are responsible for these legal fees. But by obtaining the legal counsel you sacrifice the ability to represent yourself directly with the insurance company. All future correspondence regarding the claim is then handled through your attorney.
Note: Insurance Claims from damage due to natural occurrences such as wind and hail will not affect your premiums.