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Roofing is all about attention to detail, and this begins with appropriate expertise with all types of roofing
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Don't want the roofing project to linger for too long.
Very professional company. Staff are kind and caring. The roofers were very organized and respectful of our property.
Great service. Prompt arrival to inspect, estimate and perform the work. Highly recommended. Thank you.
Excellent work installing a brand new roof on my home. Everyone I met was very nice, the workers were professional and efficient.
Had a peak and roof done. They came out and got it all done in one day very impressed.
Was professionally installed in a timely manner representatives were knowledgeable on all aspects.
Fast service, They gave me pointers on things we need to touch up to protect our roof. Thank you
Ofallon MO Insurance Renovation Contractors
Insurance Restoration For Hail Damage: Understanding The Process
Hail damage is a rough thing, especially when it comes to insurance. Almost everyone knows that hail is responsible for millions of dollars in total property damage each and every year, but many people don’t know that hail damage can often fly under the radar. While you’re going to notice cracked windshields or baseball size hail damage, there are many harder to see damages that aren’t as easy to locate. For example, unseen wear or damage that wears out the roof. Many of these roofs are damaged but since it’s not obvious, they’re not replace, and that will cause increasing damage and issue over time.
Many times insurance will cover the full roof replacement including gutters and siding, but only if you file the claim quickly within the proper claim period.
So how does the process work?
Step #1: The Initial Homeowner Inspection
This is the first inspection, the one that you do yourself. Look for dents, scratches, damage, anything at all that has resulted from recent hail. This can be everything from damaged flower pots and lawn furniture to dents or damage in the gutters and more. If in doubt, put it down. You need to record everything at the beginning.
Step #2: Contractor Inspection
While the initial home inspection is important, following that up with a roofing contractor in Ofallon Missouri is crucial. Contact us Roofing in Gratitude a professional company you can trust to help with the insurance purposes.
Step #3: File Your Claim
This often needs to be done within a limited amount of time after the disaster. Have the information you need not only from your inspection but also the contractor’s and contact your provider. Often this will require going through an agent and making a formal request in writing – which may include a formal estimate (another reason you need a professional eye on things).
Step #4: Insurance Adjustment
This is where insurance companies send out professionals (called adjusters) who look to verify the damage reported before approving the claim. When you are informed of a meeting, you will want the roofer who did the estimate on hand that way if there are disagreements or questions, they can hash it out to get your best interests covered.
Step #5: Receive The Insurance Estimate Report
This is a formal estimate report given to you by the company which is in detail and describes the amount they think it will take for repairs to be done and how much they are willing to cover. This is a crucial report that you need so you can provide it for your contractor so they know exactly what they’re working with.
Step #6: Make a Deal with the Contractor
At this point the ball moves into the contractor’s hands. You will want the roofing contractor to get to work taking care of the damage and restoring your property back to its pre-hail condition. Once the work is done you can pay the contractor with the money from the insurance company although your deductible will be an out of pocket expense that you will need to cover on your own.
Step #7: Wrapping Up the Claim
We will not only work off the estimates, but if there are additional costs or expenses they will help petition the insurance company to let them know. The majority of the time these extra costs are approved without issue by the insurance company.
While hail damage can certainly be frustrating, a good insurance policy, trusted contractor, and understanding the basic process can help you to see things through without any issues!
Contact us today with any questions or concerns!