The Hail Claim Process
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What to Expect Throughout the Hail Claim Process
While the whole process of filing a roofing hail claim and getting your roof and dwelling’s damages adequately covered and addressed may seem like a daunting process, we at 1A Roofing and Construction are here to help you and take each step with you all the way. Without further ado, here’s what you can expect to happen as we guide you throughout the whole process.
This is a free, no-obligation hail damage inspection where one of our roofing specialists will check the entire exterior of the home for hail damage. They will check the roof, siding, gutters, decks, awnings, fences, storage buildings and anything else that you point out to them. Upon establishing hail damage, the representative will take pictures and diagram all damaged areas. Once this has been completed, the representative will sit down and discuss their findings, answer questions and address any concerns that you and your family may have about your roof and your property.
The subject to agreement that you sign allows us to contact your insurance company on your behalf and set up the initial meeting with the adjuster to show them the hail damage that has occurred on your roof and property. We will set an appointment with your insurance adjuster and meet with them personally. Our roof specialist and adjuster will meet and agree on the damage areas that need to be replaced. The cost of the replacement to replace any damages to your roof and property will be agreed upon at this time.
Once the insurance and our roofing specialist have agreed on the scope of work that needs to be done for your roof and property, or hail damaged shingles and items that need to be repaired, our roofing specialist will contact you for another appointment. At this time, our roofing specialist will bring you samples of the shingles and siding that is best known, and most used in the industry. You may pick from any of the samples that you prefer and deem best for your roof property. The only balance due from you at this time is the deductible that you have with your insurance company.
Once the appropriate roofing material is selected, the order is placed. Once received, the materials will be dropped according to your instructions. Our roof specialist will be out to check that all the materials are there in order to begin the roof installation process. At this time, our roofing specialist will pick up the first check that the insurance company has sent you in order to cover half of the job cost.
Once our expert crew of roofing contractors are on the site they will take notice of anything that will need to be addressed, and notify our roofing specialist to promptly address it. Our roofing specialist will be present at the job site to answer any questions or concerns that may come up, and to ensure that all parts of the roofing installation process are done up to code and standard. Once completed with the roofing job, the site will be cleaned up and your property will be as good as new.
Upon completion of the roofing installation job, our roofing specialist will come out and complete a thorough inspection with you around the property to make sure that you are completely satisfied regarding the roofing installation job that has been completed and to address any other concerns you may have with your roof or property. At this time, our roofing specialist will pick up the final check that the insurance company has sent you for the balance of the work done.
Additional things to know...
Aside from the steps listed above, here are just a few other things you, the property owner, should know:
- If you have not already done so, find your insurance policy and become familiar with it. You may find that you have additional coverage you had forgotten about. Make sure you also are aware of what the policy requires you to do. And, double-check the policy's exclusions, so you will know what is not covered by your policy.
- If you have personal property to be replaced, try to find as many receipts as you can, in order to determine how much you paid for those items. Retain damaged items such as carpet or furniture for the adjuster to examine before discarding them.
- Make sure to check your policy's deductible. Some companies charge a higher deductible for wind and hail damage than for damage caused by other perils. If you believe repairs to your roof will cost less than the amount of your deductible, you may not want to file a claim.
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If, after consulting with your preferred roofing contractor, you find the insurance adjuster's estimate significantly lower than your roofers' estimate, you may let your insurance adjuster know. There may be differences in the roofing material or damages to your property that he or she can explain or resolve for you.
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Depending on your specific insurance policy, the insurance company may pay you the difference between the actual cash value and the cost to repair or replace the damaged area or items after the designated repairs have been made. However, you must make these repairs within a specific amount of time, usually 180 days. Your policy will specify any such time requirements.
- If, after working with your adjuster and insurance company, you believe they have not lived up to the provisions in your insurance policy, you can file a complaint with the Department of Insurance or contact a personal attorney. (Please note, however, that the Department is an administrative agency and not a court of law. Therefore, we are not able to decide questions of fact, such as whether or not damage to your roof was caused by hail or other factors. However, we can review the company's handling of your claim to ensure they complied with Texas insurance laws.)
If you have any questions or concerns about your roof, or would simply like to lern more about the roofing hail claim process, you are more than welcome to call us today at (817)203-4546 to learn more about how we can help add massive value to your home or business, or at the very least provide you and your family peace of mind for your roof and property.
Free Hail Damage Inspection
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Do you suspect significant damage to your roof and dwelling and want to get your roof inspected? Contact us today to be connected with one of our roofing hail specialists, and to claim your free inspection. We look forward to serving you!