Contact us and hiring us as your Lino Lakes roofing company is the easy part. It is your insurance company that may bring about a challenge. You may wonder why your neighbor was able to receive a full roof replacement because of the settlement they received from their insurance company, but your friend down the street did not. This fact may make you a little nervous about contacting your insurance company in regards to the damage done to your home by the weather.
However, the reason for this inconsistency is because not all insurance adjusters are made the same. Some work as independents on a national level, while others are local staff adjusters. The contracted adjusters will come and assess damage when the local staff adjusters are not available to do so. Who you get will be a factor in the result.
Dealing With Adjusters
Local adjusters are employees of the insurance company and they are more likely to provide estimates for repairs than replacements. Independent contractors, however, tend to be more liberal in that they are paid a percentage of the damage that they find done to the home. They are more likely to provide an estimate that will support replacement rather than repair if the repairs are extensive. They also tend to be a little more knowledgeable in the areas of hail and wind damage, as well as the identification of damage since they operate on such a wide geographic scale.
The best way to deal with adjusters and negotiate your repair claim is to call your Lino Lakes roofing contractor to do an estimate and point out those areas of damage that the adjuster may not see. If the adjuster has an idea of where to look, they are more likely to record the damage than if they are left to their own devices.
Having a claim denied can be very frustrating. Your home is your haven and it keeps you safe. You have to have your roof repaired so that your home is not damaged further. If you don’t have the money to fix it, then you are going to rely on the insurance that you pay for every year to do it for you. Usually, an adjuster will not fund a claim unless there are certain conditions that apply. Fortunately, your roofing contractor does have an understanding of what these conditions are and that is why it is very important to have that inspection done before the adjuster arrives to perform their assessment. Even if the claim is denied, your claim can go to arbitration so you can show the legitimacy of your claim. You can use the information we give you to re-open your closed claim and have it funded.
Contact A Lino Lakes Roofing Contractor
The insurance companies can make things difficult, but matters are not always impossible. Of course, where the insurance adjuster comes from will be a factor, as well as insuring you have your own inspection done before they come. To schedule your free in-home consultation, call 651-436-6916 or fill out the contact form and learn about what we can do for you in regards to inspections, roof repair, and many other services that will benefit you and your home.