Is it really necessary for your roofing contractor to meet with your insurance adjuster? Yes! Have you ever had to file a roof claim with your insurance company to get your roof repaired only to find out later that your deck, fence and house paint were also damaged and it was too late to include it in the unfiled claim? a new claim with a new deductible? don’t feel too bad this has happened to thousands! When a homeowner files a claim for hail or wind damage to their home, the next step in the process is to have a representative from the insurance company or an independent adjuster come to the property and assess the damage. . The adjuster typically investigates the roof and surrounding property for hail or wind damage. they then write a report or estimate to repair any damage that may have occurred due to a particular storm that occurred on a certain date. then they either give you the quote on the spot or mail or email it to you, usually within 24 hours to 2 weeks. This will come with an AVC check for the homeowner to use to pay roofing companies or the general contractor to start restoring the property. this seems pretty simple right? not so fast! When a “cat” storm, also known as a catastrophic storm, hits, it means that a major storm has damaged many homes. depending on the cat number like 1,2,3,4,5 it will determine the strength and amount of damage the storm caused to properties in that area or city. the lower the number, the less storm damage. a category 5 storm is really big with a lot of damage. when these size storms hit, local insurance companies are inundated with calls from their policyholders. local representatives will do their best to provide estimates on damaged properties, but generally hire independent adjusters to help with claim volume.
many of these adjusters are up to 8-10 roofs a day. if it takes an hour to do a quality assessment, that’s 10 hours a day not including driving, meals, or even bathroom breaks. that’s a long day every day, plus at night they have to do all the paperwork. I don’t envy these guys/girls who do this job. it is hard and very demanding physically. however, with this type of workload, they can be in a hurry. they could possibly overlook items that were damaged just because their workload is so stacked that they need to move on to the next roof claim.
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This is where a great roofing company is worth its weight in gold! Licensed roofing contractors will meet the adjuster at your property and walk through the roof and property with the adjuster. this tends to slow down the adjuster in locating all existing damage throughout the property. many times they will ask roofers for help or opinions about property damage. Roofing companies like Klaus Roofing are experts in insurance claims and in no way tell the adjuster how to do their job, but instead act as assistants to help find all the damages to be listed on the claim. Because let’s face it, if you’re going to drop $1000 or more for a deductible, you might as well get your money’s worth to repair everything that was damaged. Common items that go missing are gutters, awnings, decks, stucco or siding, paint, windows and screens, play equipment, patio furniture, and barbecue grills. That said, it is a lot of work and time spent by the roofing company on the owner and their property, so at that point the owner has usually signed an agreement with them to do the job. however, it is important to have researched the roofing company and feel comfortable with their terms and guarantees and bbb or ratings before going this far with them. take your time, interview multiple roofing companies, check them out on social media and you make your decision, thank them for helping you find all the damage and restore your property, all for just your out-of-pocket deductible. us at www.klausroofing.com feel free to share this article and comment below!