When your property is compromised, it’s good to have insurance protection. Likewise, it’s good to have a reputable company like ABC Roofing & Siding by your side.
As a full service remodeling and restoration company, we deal directly with the insurance company. We work on your behalf to ensure proper coverage of the damage. Then, we complete the repairs to the highest of quality standards. For more information – call 630-566-2909
How do I Know if There's Damage?
If you’re not sure about damage to your property, contact ABC Roofing & Siding. You are welcome to take advantage of our Free No Obligation Inspection offer.
We’ll send out one of our experienced professionals to perform a comprehensive review. This includes – roofing, siding, gutters and other exterior components.
If there’s little to no damage – then that is good news and there is less to worry about.
But what if there is legitimate damage and materials are compromised? Well – the next logical step would be to let your insurance company know about it.
There is Damage - What's the Next Step?
Most causes of damage to a building’s exterior are from severe weather incidents. These include windstorms, hail impacts, heavy snow and ice build-up, lightning and fire. As such, these perils are considered an “Act of God”.
When damage is caused by severe weather, your insurance policy is there to protect the value of your property.
Having a professional inspection performed, will determine if there is enough damage to justify a claim. Consequently, if there is damage, then we will recommend opening a claim. As needed, one of our experienced representatives can help you get started.
How Do I Open an Insurance Claim?
Opening a claim is a straight forward process. It’s a matter of contacting your insurance company to let them know you have damage to your property.
There are several ways to achieve this. First, you can contact the insuranace company claim center yourself – by phone or on-line. Secondly, you can call your insurance agents office – and they can assist you. Lastly, one of our experienced staff can help you open the claim.
It’s important to give the claim center correct information about the damage that occurred. Also, they’ll need to know the date and time the storm occurred. As a result, giving them accurate information will get the claim going on the right track.
Before opening a claim, we recommend reviewing your policy to confirm the coverage. Additionally, it would be good to know the amount of your deductible.
For more information, contact your insurance agent’s office, or click here
Do I Need An Estimate First?
It is not required that you produce a repair estimate before opening a claim. However, most insurance agents will recommend getting several contractor estimates anyway.
They just want to make sure that the damage cost will be greater than the amount of your deductible. Otherwise, it would be pointless to open a claim.
When a claim is approved by the insurance company, they will create an estimate for the repairs. Additionally, they will provide funding to pay for the damage – which is based primarily on their estimate.
However, it is not uncommon for an estimate to have errors and miscalculations. As the contractor performing the work, part of our job is to catch mistakes and shortages in their estimate. As needed, the estimate will be reconciled and changed. That way, the repair work will be properly funded.
In the end, your insurance comapny is required to pay a “fair market value” for the cost to repair the damage. So, whatever the final amount ends up being – the only thing you are required to pay is your deductible.
What About My Deductible?
A deductible is an out-of-pocket cost paid by the policy holder (you) – should a claim be approved by the insurance company. The deductible serves two purposes. First, it discourages policy holders from making frivolous or minor claims. Second, it reduces the full cost of repair to be paid by the insurance company.
The amount of the deductible is determined when the insurance policy is written. Usually, it is influenced by the cost of the premium. A high deductible will lower the premium. Alternatively, a low deductible will raise it.
Your deductible is part of the overall estimated cost of completing the repairs. Therefore, you are required to pay the amount of the deductible to the company that performs the work.
How ABC Roofing & Siding can Help with Your Insurance Claim
Since 1991, ABC Roofing & Siding has completed thousands of insurance jobs. We bring a wealth of knowledge and experience to our customers.
By working on your behalf, we represent your best interests with your insurance company. In part, this includes communicating and negotiating directly with their representatives. Also, we will guide you through the entire insurance claim process, and make it as hassle-free as possible.
It starts with inspecting and documenting the damage, then helping you open a new claim. Next, we will meet with the insurance adjuster to inspect and confirm the damage. Then, as damages are approved, we will negotiate a fair settlement with the adjuster.
The next step is to arrange and perform the repair work – for the settlement amount. We work with the insurance company through this process, and ensure a successful conclusion.
We Work with All Insurance Companies
Our experienced staff is very familiar with the insurance claim process. On a regular basis, we work with all major insurance companies. Moreover, we know how to perform the necessary tasks to ensure a smooth process for our customers. Click on an insurance icon to open a claim with that company:
ABC Roofing & Siding Provides Exceptional Service & Value
Call ABC Roofing & Siding today for more information 630-566-2909