McAllen TX Roofing Company, Rhino Tuff Roofing, On Filing A Roofing Insurance Coverage Claim.
When hail/high winds/other storm damage has left you needing a new roof, you are entitled to make a claim on your homeowner’s insurance. Depending on the insurance company, your roofing contractor may have the ability to deal directly with the insurance company. In some cases, you will need to file the claim yourself.
The initial step in making a claim is to call your insurance company. They’ll make an appointment with you to send an adjuster out. Get the adjuster’s contact information. It’s a good idea to have your roofing service provider, like Rhino Tuff Roofing, at the meeting so we can go over the damage directly. If your insurance claims adjustor rules that you have no damage to your roof, you are entitled to a re-inspection by another adjuster. Don’t be shy about asking for this.
Typically, the total price of the replacement roof is covered, minus the deductible. The amount of depreciation based upon the age & condition of the property is taken into account.
The 1st check represents the Actual Value of your current roof. If you have a home loan, the mortgage company will need to endorse the check along with you.
As soon as the replacement has been finished, your insurance company will provide a 2nd check for the recoverable depreciation.
Rhino Tuff Roofing will be instrumental in helping the adjuster to completely assess the damage. This will help you to receive the most appropriate financial solution to your situation.
Hail damage, in particular, may not be noticeable to the untrained eye. If your roof has actually been exposed to a hailstorm of more than a few minutes, even if the hailstones are small, you ought to have a roof inspection by an expert trained in hail assessment, like one of the members of Rhino Tuff Roofing. The adverse results of hail damage may not become apparent for some time, at which point you may no longer be able to file a claim.
Be sure that you completely understand your insurance protection & your duties before you need to place a claim. Read through your insurance coverage agreement & request an explanation for anything you don’t understand. Substantial roof damage can happen easily & replacements can be expensive…so be sure that you have the insurance coverage you need.
McAllen TX Roofing Company President of Rhino Tuff Roofing, Bret Hannah, is a licensed contractor that has been in the business since 1995. Rhino Tuff Roofing is an approved contractor for all insurance companies.