Insurance Claims
After a storm rolls through your neighborhood you may be left with visible roof damage, but sometimes to the untrained eye storm damage can be overlooked. Dealing with an insurance claim can be stressful, and it is best to have a reputable roofing company check your roof for damage. AC Roofing Solutions knows what to look for and can help guide you through the insurance process. We have worked with, and are recommended by, insurance companies in the area.
FAQs - Insurance Claims
I don't see any roof damage from the ground. Should I be concerned after last night's hail storm?
If hail is accompanied by high winds, or lasts more than a few minutes, even small-sized hail can damage your roof or cause shingles to have loss of their protective granules. Sometimes these damages do not show up quickly, or can be easily overlooked. Loss of granule layers on your shingles can greatly shorten the life of your roof. You should have it inspected by an experienced roofing professional.
I'll have the insurance adjuster look at my roof. Why do I need a roofing company to look at it too?
The insurance adjuster may not do as thorough of an inspection as a roofing professional would do, and may overlook some of the hard to see damages that can be caused by wind and hail. We are trained to look for storm damage and have the ability to help negotiate the proper claim settlement. We know what it takes to complete the roofing project and will be sure the settlement includes everything needed to restore your home to pre-storm condition.
How long after a storm do I have to file an insurance claim?
This will vary by insurance company, but typically you can file a claim up to 12 to 24 months after the damage occurs. Contact your insurance agent for more information about this time period.
Do I have to go with the lowest bidder for my roofing repair?
No, your decision should be based on hiring the contractor that you feel most comfortable with and whom you feel will perform the best work. The insurance company will allow up to a certain amount, but they will only pay up to the amount on the invoice. Be sure you are comparing apples to apples when reviewing the estimates. There is probably a good reason if there is a large cost difference (quality of materials, experienced roofing crew, workmanship warranty, etc.).
What if your estimate is more than the insurance adjuster's estimate?
If our estimate exceeds what the insurance adjuster quoted, it is typically because the adjuster overlooked something in their inspection. We are highly trained and experienced, and in almost all cases we can work out the difference with the insurance company by submitting documentation of the additional damage we have accessed.