The insurance claim process can be very difficult if you are unaware of policy and procedures. The insurance adjusters are usually less educated about the rights of a homeowner. The insurance company usually outsources the insurance claim process to a third-party company. It is not uncommon that the third-party company does not understand your rights as a policyholder.
The one the mistake is see homeowners make is requesting estimates from roofing contractors. The insurance company will take these estimates and use them to adjust their prices accordingly. An estimate from the homeowner is not required to mitigate the claim.
A savvy roofing contractor will advise the homeowner that it is the responsibility of the insurance adjuster to provide you with a loss report statement. This report will include the amount of materials and damage to the homeowners property that will be replaced and covered under the insurance policy.
The adjuster often makes mistakes when completing their estimate of damage to property. A roofing contractor can redraw the home, take pictures, and resubmit the claim to the insurance company for the additional damages. This process is known as resubmitting a supplement for approval and payment.
If you have submitted a proposal in the beginning from a roofing contractor, the insurance company has the option of not paying you the money for any additional damages that may be found during the repair process. At lease three out of four insurance claims will require additional monies to finish the project.
When dealing with a residential insurance claim it is of the utmost importance that you find a roofing contractor or general contractor who understands the insurers process from the beginning to the end. The contractor will need to be a very strong advocate for the customer. Insurance companies have a tendency to to do as little as possible when it comes to the reimbursement of any damage to a homeowners residence.
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