A damaged roof after a storm begins what can be an overwhelming process of dealing with your insurance company. Your insurance company will begin the process and then send out an adjuster to inspect your roof. If your claim is approved, you will be provided with an insurance estimate for what your insurance company will cover as far as cost. However, insurance adjusters make mistakes, as we all do, and may leave important components off your estimate.
This is where your trusted, local roofing contractor, like Texan Roofing Pros, comes in and does something called supplementing. The insurance process can be confusing, and if you haven’t had to go through the process before it can be overwhelming. Texan Roofing Pros’ experience and expertise is just what you need to ensure you get everything your roof needs from the insurance company.
Why You Need An Insurance Claim Supplement Once your insurance company approves your claim for a damaged room, they will give you a claim estimate for what work will be required in order to get your roof back to the condition it was before the storm caused damage. Unfortunately, most insurance adjusters leave off line items the claim that is provided to homeowners. Sometimes crucial code upgrades required for state compliance are also omitted. If an insurance adjuster leaves something off your estimate, the insurance company isn’t going to provide enough money to complete your roofing job. This happens more often than most people realize. If this happens to you, your insurance claim will need to be supplemented.
An insurance claim supplement is when your roofing contractor fights for you to ensure every line item, including local and state codes, your roof needs will be covered by the insurance company. If your roofing contractor is not willing to do this or does not know how to do this, do not hire them! Some insurance companies may give your roofing contractor push back on supplementing, but as long as your roofer is willing to fight for you and knows how to deal with insurance adjusters, your roof will get everything it needs. Texan Roofing Pros has years of experience with insurance supplementation.
What To Do If you Have An Insurance Claim In order for your insurance process to go as smoothly as possible you should do a few things.
1. Hire a Roofing Contractor Who Handles Insurance Claims Once your claim is approved you are ready to start the roof replacement or repair process. If you haven’t already hired a reputable, local San Antonio area roofing contractor, now is the time. Anytime you need work done through homeowners insurance, you need to hire a professional roofing contractor with experience handling insurance claims. A roofing contractor with insurance claim experience will know the process, how to correctly read your claim, fight to make sure everything is covered and how to complete the work in compliance with your insurance company.
2. Show Your Insurance Claim to Your Roofing Contractor After you hire a roofing contractor to complete your insurance repairs or replacement, it is crucial to show them your insurance claim paperwork. This paperwork has vital information for them to complete the job properly, including supplementing anything left off the original claim estimate. This also protects you from inadvertently committing insurance fraud by making sure everything your insurance company paid for is completed by your contractor.
3. Do Not Get Multiple Quotes For Your Claim Once your claim is approved, there is no reason to get estimates from different roofing companies, as your insurance company decides the price to repair or replace your roof, not a roofing contractor. Insurance companies use Xactimate, a software that comes up with the price estimate for your roof claim based on the average pricing of materials in your area. Don’t panic if your roofing contractor’s estimate is more than your insurance’s initial estimate. This is where supplementation comes in handy. Your experienced roofing contractor will supplement anything that is not on the claim and submit the itemized list with their cost to complete the job to the insurance company for approval.
While it is not necessary to get multiple estimates, you should do your research and talk to multiple roofing companies to find the best one for you. Look for a roofing company that you trust and are comfortable with, not the first one that comes knocking on your door. It’s also important to hire someone local, licensed and insured.
The roofing company you choose to hire has a huge impact on your entire roofing project. Texan Roofing Pros is ready to complete your roofing repairs or install a new roof today! Call us at 210-850-0100 (San Antonio) or 956-450-3160 (Rio Grande Valley) to set up your appointment!