Charlotte’s property insurance claims and adjusters provide insight into filing claims
Charlotte’s property insurance claims and adjusters insist that things happen and, sometimes, it could lead to roof damage that requires you to file a claim. It is particularly true for storm restoration. But this can start a hectic process with your insurance company. It’s even worse when you have never been through a similar situation and don’t know what to expect.
What are the things to expect when filing an insurance claim for roof damage?
- The insurance claim process can be very long
- The policy determines the amount paid
- The insurance adjuster is the only one to approve your roof damage claim
The insurance claim process can be very long
While homeowners often think that their roof will be repaired or replaced immediately, they file their claim, and that is rarely the case. Instead, expect the insurance claim process to be long and move slowly. This is due to the different people involved in making the process a success.
The process of filing property insurance claims incorporates the following:
- Call your insurance company.
- An adjuster will be sent for an inspection.
- The adjuster will write up a claim after approval.
- Find a reputable roofing contractor.
- The contractor will go over the claim to supplement anything missing.
- Send the supplemented claim back to the insurance provider for approval.
- Once approved, your roof replacement will be fully covered by the company.
Note that the above process can be different based on your insurance company, policy, and roofing contractor.
The policy determines the amount paid
Your roof is typically covered by homeowners insurance. But the exact payout you get depends on the type of policy you have. It’s advisable to examine your policy as soon as you suspect roof damage to know the payout to expect. You either have an Actual Cash Value policy or a Replacement Cost Value policy. Both will get you a payout from your insurance provider, but they have different values. You’ll get the depreciated value of your roof if you have an Actual Cash Value. It means the insurance company will only pay for what your roof is valued at today. In contrast, you’ll get what it costs to replace your whole roof with the latter.
The insurance adjuster is the only one to approve your roof damage claim
First, you must call your insurance company once you suspect roof damage. They may tell you to call a roofing contractor or send you an adjuster. If the former applies, you should find one that you can trust to carry out a detailed inspection. They’ll search for and document storm damage signs before sending them to your insurance company for review. Keep in mind that your claim is not automatically approved since the roofing contractor found storm damage. The insurance adjuster is the only one who can approve your claim. That makes property insurance claims and working with adjusters an important part of the process. That said, your roof damage claim can always be denied.
Choose Charlotte’s best property insurance claims and adjusters
Insurance restoration is not guaranteed. But working with Charlotte’s best property insurance claims and adjusters can help. 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.