ROOF INSURANCE CLAIMS

Fact: Your Insurance company interest are not the same as your interests

Imagine this: a nasty storm tears through Houston and leaves your roof looking worse for wear. Luckily, homeowner's insurance should cover the repairs to get your roof back in tip-top shape, minus your deductible. Sounds simple, right? Well, hold on to your hat.

Insurance companies, bless their profit-making hearts, want to keep their costs down. That might mean they offer you an amount to fix your roof that's a little, well, skimpy. You, on the other hand, want your roof completely restored, not just a temporary fix. Here's the catch:

Your priorities and the insurance company's priorities aren't always on the same page. You want enough money to make your roof good as new again. The insurance company wants to pay the least they can get away with. Now, that doesn't necessarily mean they're out to rip you off, but it does mean you need to be in the know.

The person who decides how much money you get for repairs is called a claims adjuster. They're basically insurance claim ninjas – they know the ins and outs of the process better than most homeowners. That's why it's important to go into this process with your eyes wide open.

By understanding this, you'll be better equipped to work with your insurance company and get a fair settlement to get your roof back to its pre-storm glory.

THATS WHERE WE COME IN! 

Handling a roof insurance claim by yourself can be like navigating a legal maze without an attorney. You're unfamiliar with the procedures, lack the know-how to ask the key questions, and the insurance company has the upper hand.

To make matters more complex, the adjuster acts as both judge and jury in this process. Their decisions on claim approval or payout amounts are difficult to challenge without a strong understanding of the system.

In short, filing a roof insurance claim is a frustrating and confusing ordeal. Expert assistance is crucial to ensure you receive the full compensation you deserve under your homeowner's policy.

It's surprising how common it is for insurance companies to send adjusters who lack roofing expertise to handle roof damage claims. This can lead to problems. For instance, some adjusters might mistake hail damage, which is covered by insurance, for heat-related wear and tear, which isn't. Additionally, during storms, insurance companies might bring in adjusters from other departments with no roofing experience to manage the high volume of claims.  Even worse, we've encountered a brand new adjuster on his first day, lacking proper training and guidance, who struggled to even climb a ladder!  Given these scenarios, wouldn't you feel more confident having a knowledgeable professional on your side when filing a claim?