STORM DAMAGE & INSURANCE WORK

Insurance Work

ABC Roofing & Siding are insurance work experts. Our staff has the knowledge and experience to handle your insurance claim.
Since our start in 1991, we have successfully completed thousands of storm damage repair projects.

Start with a Free Inspection

A professionally performed inspection will determine if there is enough storm damage to justify an insurance claim.

Our inspections include roofing, siding, gutters, and all exterior components.
Also, we inspect interiors and attics.

For a Free Inspection, contact ABC.

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, snow/ice build-up, lightning and fire. Statistic information is available at valuepenguin.com

When storm damage has occurred,  your insurance company should know about it. That means, filing a claim with your insurance company.

Storm Damage
Storm Damage
Storm Damage
Storm Damage
Storm Damage
Insurance Work

How to File an Insurance Claim

First of all, filing (opening) an insurance claim is not difficult. In fact, it is almost like ordering a pizza – a fairly simple process, right? To start, contact the insurance claim center and file the claim. This can be done either online or over the phone, or even through your insurance agent. The claim center representative will need to ask a number of questions about the damage. Then, a claim handler (usually and adjuster) will be assigned to manage the new claim. Next, this person will contact you to arrange for an inspection of the damage to the property. 

Do I Need An Estimate Before Filing An Insurance Claim?

No, you are not required to get a repair estimate before filing a claim. However, most insurance agents recommend getting several contractor estimates anyway. Primarily, this is to confirm if the cost of damage will be greater than the amount of the deductible in your policy. If not, then filing a claim would be pointless in the first place. That’s one reason to have an inspection first – to confirm if there is enough damage or not.

ABC Can Help With Your Insurance Claim

As part of our service, we communicate directly with the insurance company on your behalf. Included, is a call to the claim center to file the claim. However, this step has to be done in your presence. Also, we will meet the insurance representative(s) when they come out to inspect your property for the storm damage. 

ABC has a great deal of experience working with insurance companies. Thus, by having one of our own experts review the damage together with the field representative, we make sure that nothing gets over-looked. Also, we’re very familiar with their process and will ensure that all necessary information makes it back to the adjuster. By doing this, approval for full coverage is greatly enhanced. Above all, our goal is to get your claim approved!

For more than 30 years, ABC Roofing & Siding has successfully completed thousands of insurance jobs. We deal directly with insurance companies on behalf of our customers. Then, we expertly perform the repair and replacement work

My Claim is Approved - What's Next?

Upon approval by the insurance company, the first step will be to choose styles and colors of the new replacement materials. Next, the new materials are ordered and your project is placed into the schedule. Additionally, our office will procure any necessary permits. Typically, all new work is completed within the confines of the insurance claim settlement. That means, the scope of work provided by the insurance company. This document is a detailed estimate that describes what work needs to be performed, and the estimated proceeds to pay for it. As the contractor, we perform the repair work within the confines of their estimate.

But, what if their estimate is missing items or is under-valued? Not to worry – part of our job is to catch errors in their estimate. As needed, the estimate will be reconciled and supplemented to ensure proper coverage and funding.

Next step, our office will organize and arrange for the restoration work to be performed. Your ABC Rep will guide you through this proce

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. Basically, a deductible serves two purposes. First, it discourages policy holders from making frivolous or minor claims. Second, it reduces the overall cost 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 the premium. 

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.

What if My Claim is Not Approved?

There are several reasons why a claim does not get approved by an insurance company. Sometimes, it’s only a partial approval.

A common reason for denial, is there is simply not enough damage to materials. If the damage is weak to begin with, then maybe a claim should not have been filed. Consequently, minor damage does not obligate your insurance company to make a pay-out. 

Secondly, there may be qualifying damage, but the adjuster does not think so. An adjuster is a certified representative for the insurance company. As such, the adjuster is in charge of your claim and decides an outcome. By far, most adjusters are competent, professional, and know what they are doing. However, there are some adjusters who fall short. In that case, a re-inspection by a different adjuster is in order.

Sometimes, insurance claims are not approved for pure technical reasons. Possibly, the damage is old and could not have been caused by the recent storm. Or, there may be some form of restriction in your insurance policy. 

ABC Roofing & Siding is a full-service contractor. We bring a wealth of knowledge and experience to our customers regarding insurance work. Feel free to contact us with any questions about the insurance claim process.

ABC Provides Exceptional Service & Value

Perform a Free Inspection and Document the Damage

Assist with Opening the Insurance Claim

Meet with the Insurance Representative to Inspect the Damage

Negotiate a Fair Settlement and Ensure Proper Coverage

Professionally Perform & Complete the Repair Work

Deal Directly with Insurance Company on Your Behalf

More than 30 years of Insurance Work Experience

GET A FREE INSPECTION BY AN EXPERIENCED PROFESSIONAL

Contact us to Set-Up an Appointment