Insurance Claims 101

Everything You Need to Know About Roofing Insurance Claims

STEP 1: BEFORE YOU FILE A CLAIM

If you think your roof or property has been damaged by a storm, contact a reputable company, like Premier Home Renovations, to come out and give you a pre-inspection photo report. At this point, you are not filing a claim, just starting the information process. Using a reputable contractor will ensure that any work done is the highest quality with the best warranties.

STEP 2: MEET WITH YOUR CONTRACTOR

Next, schedule an inspection with the selected roofing contractor. You want to do this before an actual claim is filed.

STEP 3: FILE YOUR INSURANCE CLAIM

You will need to call your insurance company and file a claim. Many times, you Premier Home Renovations Representative can sit down and do this with you. At this time you will be assigned a claim number, this will be used to track your claim throughout the claims process. Your insurance company will most likely schedule an adjuster to inspect your roof to approve and process your claim. Schedule a time when your contractor can also attend this inspection. It is very important that a contractor is present with the insurance adjuster. The claims specialists at Premier Home Renovations are your advocates during the insurance inspection.

STEP 4: MEET WITH YOUR ADJUSTER

Insurance adjusters have a home inspection checklist they will follow when determining the damage done to your home. Our representative will be able to represent your needs and make sure that the adjuster is aware of all damaged areas. Having an experienced and professional company represent you during the inspection will increase your claim value and avoid any negative interactions.

STEP 5: CLAIM APPROVAL

Once your insurance claim is approved, go over the details of the insurance coverage with your roofing contractor of choice. This will allow you to ask any questions you need regarding the work and the warranty the contractor will provide. This is where the claims specialists at Premier Home Renovations can help you understand all repairs the insurance company is covering and any they aren’t.

STEP 6: TIME FOR YOUR PROJECT TO BEGIN

When you have received the answers to your questions, sign the contract with the roofing contractor and get your roof work scheduled. Your insurance company will provide payment directly to you. You will be responsible for paying the deductible and upgrades. Your insurance company will require proof the work was performed. Premier Home Renovations will supply any necessary information for you and will file for the extended warranty upon payment.

FILING YOUR CLAIM JUST GOT EASIER.

We work with some of the top insurance companies in the nation so your claim is approved and processed quickly.

Start The Claims Process Today

Frequently Asked Questions:

1Q: How long do I have to submit an insurance claim for hail or wind damage?
A:You have up to two years to submit an insurance claim for hail or wind damage. Roof leaks may take years to show up, so it’s important to have your roof inspected by an expert in hail and wind damage contractor soon after the storm. And your roof may not be the only part of your home that had been compromised. Premier Home Renovations can also inspect your siding, gutters, and fascia for damage.
2Q: How can I tell if my roof has been damaged by hail and wind?
Storms with strong winds and heavy rains may result in loose or missing shingles, cracks, and pock marks. Also, If your metal air vents, gutters, and sidings are dented, you probably have roof damaged as well. Are roofing granules present beneath your downspouts? That is also an indicator of roof damage. But often hail or wind damage is hidden. The shingle mat may be cracked, and hail impact near the edge of a shingle may weaken it, permitting future water leaks. The only way to be absolutely sure us to contact a hail damage repair expert like Premier Home Renovations for an accurate inspection.
3Q: Won’t my insurance adjuster be able to accurately assess the damage?
Adjusters are trained to look for signs of roof damage, but don’t rely on the determination of the insurance company. You’re entitled to a second opinion, and the hail and wind damage expert evaluation. Then we’ll work with you and your adjuster to see that your roof is adequately repaired or replaced.
4Q: We just had a hail storm in my area. I don’t see any damages. Is there possible damage I can’t see?
A: Many homeowners may not realize the extent of property loss they have suffered after a storm. An untrained eye may not see the damage and left unchecked it can be costly. Storm damage actually will reduce the life of the materials and often-void manufacturer warranties. Our Premier Home Renovations Specialists have extensive training to detect storm damage indicators and they are aided by weather maps that identify specific neighborhoods damaged by storms.
5Q: What do I do if my house has storm damage?
A: You have taken the right first step by searching for a qualified contractor. Take a look at our steps for handling an insurance claim for more details.
6Q: I’ve never had to deal with storm damage repairs, what do I need to know to hire the right contractor?

A: To assist in your decision, we suggest asking six basic questions in the event of storm damage:

1. Does the contractor have experience handling insurance claim work after hail and wind storms? How many claims annually?

2. Does the contractor have referrals or testimonials?

3. Is the contractor reputable? Look to see if they are a member of roofing industry associations and listed with BBB.

4. How does the contractor handle warranty work?

7Q: Do I need to find out my local building codes and/or get a permit?
A: Asap has a dedicated team of individuals just for this reason. We always make sure of the codes required on all of our projects and pull the required permits if applicable. In other words we handle the project from beginning to end so you don’t have to.
8Q: I’m getting a leak in my house. What do I do about stopping the leak?
A: The first step is to protect the interior of the home. Get buckets or other suitable objects to collect the drips and move any valuables and electrical equipment away from the leak. Next, call us toll free at 1-855-281-7663 so we can inspect the source of the leak and provide counsel on the appropriate steps to repair or replace your roof.
9Q: How do I determine if a roof should be replaced?

A: Sooner or later, every roof needs to be replaced, usually due to the long-term effects of weathering. If a residential roof is more than 20 years old, it is a prime candidate for reroofing. To determine if you need a new roof:

* On the ground, walk around your home with binoculars and inspect your roof for cracked, curled or missing shingles, as well as any excessive loss of the protective mineral granules. Do not climb on the roof; walking on the roof is dangerous and can cause damage your roof if proper precautions aren’t taken. Call Premier Home Renovations for a free inspection and let a professional help.

* In your attic, take a flashlight and look at the underside of the roof deck and rafters for any stains or wet spots indicating water leaks.

* Call Premier home Renovations for a free assessment today 1-855-281-ROOF (7663)

10Q: How long should my roof last?
A: This depends on the roofing system, the quality of roofing materials, the quality of installation including whether the required installation methods were followed accurately. This can be as little as 10 years or a lifetime. Premier Home Renovations is an expert at installing and repairing all major roofing systems; our professional installers are skilled in every aspect of the materials, systems and process required so you can experience the greatest life expectancy for an Premier Home Renovations installed roof.
11Q: Will my plants and tress be protected during the process?
A: Premier Home renovations will place tarps around your structure to catch anything that may fall from the roof (nails, roofing material, etc). We also use the Equipter, the state-of-the-art equipment that contains the roof waste at its source.
12Q: I am considering installing both roofing and siding. Which should I install first?
A: Your roof should be installed first. First, you want to protect your home from the top down. Second, roofing materials are heavier and it’s much easier to adjust your siding to coordinate with your roof during the installation process.
13Q: What do your customers say about you?
A: We take pride in our work and our customer service is our focal point. We’ve helped thousands of customers and appreciate all those that took the time to let us know how we did. Read what our customer testimonials and surveys say.
14 Q: What Types of Payments do you accept?
A: We accept Visa, Mastercard, American Express, Cash or Check. We also offer flexible financing with approved credit so you can pay over time. Call for details Today 1-855-281-ROOF (7663).