Roof Hail Damage

No. No roofing company can convince an insurance company to pay for damage that doesn’t exist. Your insurer will send out their own representative to inspect your roof to determine if there is damage.

The insured (you) need to seriously consider having YOUR OWN PROFESSIONAL to represent your interests when the insurance company sends out their rep. Remember, while insurance companies are obligated by law honor their contracts with you, they don’t necessarily let go of their money very easily.  A lot of headaches can be avoided if you have your chosen contractor present at the initial meeting with your insurance adjuster.  We can walk the roof together with the adjuster and point out the damage, and come to an agreement with them on what the costs will be for your hail damage roof repair. The claims process usually goes very smoothly when we are present at the initial meeting.

If this happens to you, chances are you did not have a contractor present to represent your interests when the insurance adjuster made is initial visit.  Usually, your contractor can submit his estimate to the insurance company directly. Insurance adjusters are usually not professional roofers.  They inspect all sorts of claim damage (floods, fires, smoke damage, etc.) And generally, they will miss standard details that are required to fix your roof. This costs money, and the insurance company is required to pay for these details (such as painting the facia, replacing vents, pipe jacks, etc).  There is a national standard price list that predetermines the costs of these things. It is all compiled together in a software program called Xactimate, which all insurance companies use, and most professional Gilbert roofing contractors should have this program as well. The problem is, many insurance adjusters miss these details all together, and the average homeowner does not know to include these details. So when they get their claim settlement, the homeowner has no idea they did not get enough money to complete the project properly.  This is why it is important to have your contractor represent you and deal with your insurance company directly.

We firmly believe the BEST way to handle the claims process is to have us handle the whole claim for you. We can even call your insurance company for you to file the claim. We can meet the insurance adjuster at your house and point out the damage. However, if you have already filed a claim, and met with your insurance adjuster yourself, it is not too late. We can take a look at your adjuster’s scope and file for a supplement if there are items the adjuster missed.  Sometimes, we can even do the project for LESS than the amount of the check your insurance company gave you.