When your property is compromised, it’s good to have insurance protection. It is also good to have an experienced company like ABC Roofing & Siding by your side.
As a full service remodeling and restoration company, we deal directly with insurance companies on behalf of our customers. We ensure proper coverage of the damage, then we complete the repairs to the highest of quality standards.
How Do I Know If There's Damage?
If you’re not sure about damage to your property, contact ABC Roofing & Siding for a Free No Obligation Inspection.
We’ll send out one of our experienced professionals to review your property. This includes roofing, siding, gutters and other exterior components.
If we find little to no damage – then that’s good news and there’s no need to worry.
But if there is legitimate damage and materials are compromised, then we will recommend filing a claim and letting your insurance company know about it.
There is Damage - What's the Next Step?
Most causes of damage to a building’s exterior come from severe weather incidents. These include windstorms, hail impacts, heavy snow and ice build-up, lightning and fire. As such, these perils are considered to be an “Act of God”.
When damage is caused by severe weather, your insurance policy is there to protect the value of your property.
A professionally performed inspection can determine if there’s enough damage to justify a claim. Consequently, if there is damage – then we will recommend opening a claim. Upon request, one of our expert 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 recommend getting several contractor estimates anyway.
They just want to make sure that the cost of damage 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 supplemented to ensure proper coverage and funding.
In the end, your insurance comapny is required to pay “fair market value” for the cost to repair the damage. So, whatever that 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 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.
If you wish, click on an insurance icon below to open a claim with that company:
ABC Roofing & Siding Provides Exceptional Service & Value
ABC Roofing & Siding Inc. is a trusted name in the Exterior Remodeling & Restoration Industry.
Check out reviews at HomeAdvisor from some of our satisfied customers.
Call ABC Roofing & Siding today 630-566-2909