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You won’t be taken off guard to learn that many of the roofing jobs, gutter repairs, and siding installations we complete are paid for by insurance companies. After all, hail damage and high winds can cause serious damage to roofs, and it only makes sense that homeowners want to make what is one of the few claims they ever make on their homeowners insurance.

One of the best parts about getting roof installation that is paid for by your insurance company: you don’t have to deal with them often! A roofing company will often manage most of the paperwork, and you may only have to have one or two calls with your insurance company. Of course, it’s important for a roofing contractor to have a good relation and a lot of experience with insurance companies to make sure the process goes as swiftly as possible. Let’s take a look at what a roofer needs when negotiating with insurance companies.

A ROOFER SHOULD ALWAYS BE FRIENDLY

Cordiality will go a long way in the business world. We’re not just friendly with our clients but also with the insurance company. It can go a long way to making the entire process go swiftly and efficiently.

THEY NEED TO BE WILLING TO STAND UP

You won’t be surprised to know that an insurance company will do what they can to pay as little as possible for a roofing job. They’re in the business to maximize profits, and they won’t do that by blindly overpaying for a roof.

A roofing company should be prompt to stand up for you so that you get a roof that is at least as good as the previous one.

A ROOFER NEEDS TO ADVISE

It’s unlikely we’ll be dealing with your hometown insurance agent. The roofing company will be dealing with the national home office and their adjustors. The problem is that many of these adjustors will not know local codes when it comes to roofing, and sometimes we need to let them know that a line item they tried to deny might actually be a legal requirement in your city or town. That’s when a roofer needs to inform and fight if necessary.

THEY NEED TO BE PERSISTENT

We want to get to work! The sooner we get to work, the sooner we get paid and can get along to helping the next person with a leaky roof. Regrettably, insurance companies can drag their feet, so it’s important for a roofing company to be persistent.

There you have them, four attributes that you’ll want to find in a roofing contractor. They’re also the four attributes that you’ll find at Innovative Roofing, and we can help you handle insurance problems. Contact us today to get the process started!

 

Consumers often have been misinformed about filing an insurance claim to replace or repair their damaged roof.

Here are some facts and myths about the insurance claim process:

Myth: If I find a roofer who does the work cheaper than my insurance company estimated, then I can pocket the difference and make some money.

Fact: According to Insurance laws, this is considered insurance fraud. insurance companies require the roofing contractor to provide afinal invoice to them. Getting the work done cheaper than the insurance estimate actually saves the insurance company money and does nothing for you. If the price of the roof replacement is lower than the insurance company estimate, your insurance company will in turn, adjust your final depreciation check accordingly, making the final depreciation check less by that amount.

Myth: My insurance company says I have to get three estimates and go with the lowest estimate.

Fact: You are not required to get three estimates. Plus you candetermine which company you want to have perform the work for you. Even though the insurance is paying, this does not mean that you have to go with the lowest or cheapest estimate just to save the insurance company money.

Myth: It doesn’t matter what company I have fix my roof after a storm.

Fact: Unfortunately during an active storm season, many companies come into an area temporarily as “storm chasers”. These companies ‘work’ an area after a storm then leave to go on to the next storm area. This means that they will not be here to contact for warranty work and/or for service calls.

Myth: My insurance company will cancel my policy if I file a claim.

Fact: Insurance companies cannot cancel your policy for a disaster related claim.

Myth: If I file a claim, my insurance company will raise my rates.

Fact: After a disaster, whether you get a new roof or not, the state board of insurance may raise everyone’s rates in your area.

Common Indications that you may need a roof inspection:

Recent Hail or Wind storm

Water-stains on the ceiling

Roof debris on the ground after heavy winds

Rotted, warping, or curling of existing roof material

Extreme granule loss from shingles