Filing an insurance claim for hail damage

A Charlotte house repaired from hailstorm damageDealing with the insurance company

If your roof has been damaged by a hail storm, your insurance company is responsible to pay for the repairs to your roof as part of their policy coverage. The insurance company plays a significant role in making sure that your roof is restored to optimal condition for protecting your home. However, many homeowners believe that storm damage roofing repair or replacement must be addressed by the homeowner and the roofing contractor exclusively.

Determining the damage

After you call your insurance company, they will send out an adjuster to verify the damage and the extent of the damage. The most common scenario is that many homeowners call their roofing contractor to determine if there is enough damage to justify starting an insurance claim. In reality, it is the insurance company who leads the process of verifying the extent of damage and determining what needs to be done to rectify the situation, and establish how much it is going to cost.

The insurance adjuster

The insurance adjuster is sent out by your insurance company to perform extensive evaluation. If hail storm damage is discovered, he or she will put together a comprehensive report that itemizes the scope of work, and also assigns the costs for necessary repair or replacement. The contractor does not have the authority to dictate to the insurance company what has to be done and what it is going to cost.

Experienced roofing contractors

Experienced and competent roofing contractors understand that the insurance process does involve submitting a bid; the insurance company has already provided the working number through the adjuster’s report. The costs have been established by the insurance company and not by the contractor. The Charlotte roofing company is supposed to receive a copy of the complete in order for the contractor to comply with the insurance company specification and to be able to verify that the insurance adjuster included everything that needs to be done.

Rating the roofing companies

This is why it is critical that you choose the most competent and highest rated roofing contractor available. Insurance adjusters are well trained, but they are not roofing contractors, therefore, it is not uncommon for the adjuster to miss a fine point or a process that should be included. To protect your interest, it is very important that your roofing contractor is trustworthy enough to be your advocate throughout the process. Insurance work is no time to look for the contractor who will work cheap. Check the local reviews and the state board of contractors as well as the Better Business bureau to find the most skilled and highly regarded roofing companies to do the work.

A dependable Charlotte roofing contractor

To find the best roofing companies, you should look for the most trustworthy and reputable ones. Advanced Roofing and Exteriors has been serving the Charlotte and Concord areas for over twenty years. They are fully licensed, insured and bonded roofing contractor. They carry an “A” rating with the Better Business Bureau and received multiple years Super Service Award from Angie’s List. Make them your first consideration when you call Charlotte roofing companies about hailstorm damage on your roof.