Property insurance claim experts in Charlotte, NC, explain that it might be challenging to file a claim with your homeowner’s insurance after your roof was damaged from a recent storm. Unfortunately, most of our consumers are unaware of how this procedure works. As experts in this area, we would like to provide helpful information to people needing a roof fixed or replaced and who are struggling with the property insurance claim process.
Insurance claims and roof replacements
Property insurance claim professionals say that if you’re a new homeowner, you may be unsure what to do if you fear your roof has been damaged by the weather. When wind or hail damage to the roof is suspected, the first action should be to contact your insurance carrier and file a claim.
Filling out the insurance claim process
Property insurance claims are taken extremely seriously by all insurance providers. They come out to evaluate the roof for hail or wind damage and schedule a roof inspection within 24 to 48 hours to avoid any more damage to the inside. When the insurance adjuster comes out to assess the roof, he will either accept or refuse the roof replacement based on the amount of hail or wind damage.
How does the roofing company come in?
Property insurance claim professionals explain that the roofing business should utilize that money to acquire all necessary materials. At this stage, the homeowner should have a roofer lined up to repair the roof. After the roof is rebuilt, the roofing business will submit a Form of Completion and a Final Invoice to the homeowner’s insurance carrier.
All of the money left over after the insurance company has paid for the roof replacement goes to the roofer who is doing it. As a result, as soon as the replacement is finished, the homeowner is responsible for paying the roofer both insurance checks and a deductible. Unfortunately, there are people who, after getting their first insurance reimbursement, begin requesting several roofing quotations from other roofing companies. The rationale for this is that they want to retain part of the roofing funds and go with the lowest bid.
Best property insurance claim expert for homeowners in Charlotte, NC
If you reside in the Charlotte, North Carolina region and believe your roof has been damaged by hail or wind, contact Steele Restoration. We have highly skilled personnel at Steele Restoration who will come out and evaluate your roof for any weather-related damage.
Steele Restoration is a fully licensed and insured Charlotte NC and Greenville SC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney, along with Greenville and Spartanburg SC areas.