Insurance Claims and what to expect

by Admin on 02/24/11

Insurance Claims

The damage that is present as a result of storm damage (i.e. hail and wind damage) is, in most cases, covered by your homeowner’s insurance policy. It is very important though that you have your property inspected as soon as possible, or your insurance company may not approve your claim.

 

Snap offers a free inspection to determine if your roof has incurred any storm related damage. If we find evidence of damage to your roof, we can lead you through the process of filing your insurance claim. We have helped numerous homeowners in your area with this tedious procedure and many of our customers have stated that our expertise was invaluable to them in obtaining the funds to repair their home and roof.

 

Our Claim Specialist will help with the filing of your claim and will work with your adjuster to insure you receive all that you are entitled to. Our Claim Specialist are trained to check for other damaged areas of your property as well (such as AC units, gutters, garage doors, etc) that may have sustained Hail, Wind, or Storm damage and may have been missed by the adjuster. It is important to have your claim adjusted correctly the first time, instead of prolonging the process by having the adjuster come back out. If you think about it, the insurance company has trained professionals working for them. Shouldn’t you have the same thing?

 

The importance of having your claim adjusted correctly the first time will also affect the funds that the insurance company appropriates for the repair. If you allow us to work on your behalf, we will make sure the insurance company allows enough funds to properly repair your home. The final cost to you is the same, but it is very important to receive the proper amount to handle the project so we can purchase only the best materials for your roof.

 

The insurance industry has worked for years to perfect a system that minimizes their expenses and prevents homeowners from profiting off the proceeds they pay out. Also, if they happen to “accidentally” leave out funds to replace your drip edge, or use an out-dated price list that does not reflect today’s material costs, so what? Unless you have a competent, experienced contractor, who would know? The tragedy is that many homeowners will quickly settle for whatever the insurance company will pay and by doing so, they forfeit many important elements that should have been replaced or covered by their insurer.

 

With Snap you can have your repairs done properly and without having to worry about how the project will be funded. Many contractors do not have the experience or the knowledge required to properly adjust your claim or to negotiate with the insurance company. As a result of this, they end up cutting corners to get the price low enough to win your job. You do not want to do business with a company like that.

 

Insurance companies have developed a complex claim system over the years and it must be followed accurately to insure you receive the funds to repair your home. The Adjuster’s Report alone can be confusing to those who have not dealt with the specifics of this on a regular basis. Snap can help you with this.