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INSURANCE

HOW TO DEAL WITH INSURANCE CLAIMS

1) AFTER ADJUSTER INSPECTION

Once an adjuster has performed their inspection, they issue a proposal to the homeowner that should act as a guide for handling the claim. This is not a final settlement and in certain cases it is necessary to resubmit a counter proposal or call for a re-inspection if the type or scope of work differs significantly.

2) POLICY Cancellations & Rates

Please be aware that your insurance company cannot cancel your policy or raise your rates for having to file a claim against your homeowner’s policy. If you're having issues with your insurance company, please contact us immediately for advice & guidance.

3) BE AWARE OF LOWER ESTIMATES

Oftentimes, insurance carriers will ask you to get three estimates for roof repair or replacement. This is not necessarily in your best interest. Though there are certain contractors that can do work for less than the fair market price, often someone must cut corners somewhere to make a profit. The savings by accepting a lower than market value bid is not money that can be applied towards your deductible. The savings is passed on to the insurance company.

You do not have to have an estimate. It is your insurance company’s responsibility to send a licensed adjuster to you home to do an inspection.

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MAKING A CLAIM

Have these things handy when making a claim with your insurance company:

1) POLICY NUMBER

2) DATE OF LOSS

3) TYPE OF LOSS

4) COPY OF POLICY

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