Hail Damaged Roof? Time To Do A Insurance Claim
Here in the Midwest we have the crazy, bipolar weather changing constantly. So with weather problems, seasons taking their time morphing into the next season, and at the forefront – hail damage, there is plenty of chances to apply for an insurance claim. An insurance claim being, “A formal request to an insurance company asking for a payment based on the terms of the insurance policy. Insurance claims are reviewed by the company for their validity and then paid out to the insured or requesting party (on behalf of the insured) once approved” (Investopedia).
Due Your Du Diligence
Hail damage does not occur with every storm, but when it hits you need to be knowledgeable on how to handle putting the repairs in order. Have you given any thought to what you would do if you have to deal with a hail damaged roof? Do you have a plan? Oh you don’t? Let Lionheart help you get on the right track. Now that we’re on the same page let’s delve into the details of filing for a claim.
The very first thing to do is take note of the time and date of the storm. Your insurance claims manager will inquire after those details to match with reports from the local weather and public safety authorities. Also, take pictures of all damaged areas for reasons of proof if it becomes necessary. Because let’s face it, the insurance company is in business to make money and may try to deny your claim. Before contacting your insurance agent, you should have a reputable roofing contractor inspect your commercial or residential roof for potential hail damage as quickly as possible. The roofing contractor will walk your roof to assess if it has sustained hail damage to reasonably justify an insurance claim. Make sure to read your insurance policy carefully and contact the claims department of your insurance company directly. Be prepared to provide pictures, and the estimate from the contractor you have chosen to work with. Request an insurance adjuster inspection. Insist your contractor is present during the adjuster inspection. Your contractor’s job is to make sure the adjuster plays fair, and provides you with a fair assessment.
Once your claim is approved your insurance company will send you two separate payments. The first payment, or materials deposit, covers the cost of materials. Make sure your contractor orders materials in your name, and uses your check to pay for your materials. After your materials are delivered, your contractor will get to work. Any changes to the written bid should be submitted in writing for your approval. No additional payment is due until all the repairs are complete. Once your project has passed a city inspection, you will have a chance to approve the job before making final payment. Make sure the job is done to your satisfaction and your contractor signs a lien waiver, before handing over the second payment.