Why You Should Call a Roofer Before Your Insurance Company
After storm or winter damage to roofs, homeowners often call insurance companies for estimates. It may seem like the natural step to take, but it’s not always in the best interest of the homeowner. Before calling your insurance company, it may be best to contact a roofing company directly. You may not have enough damage for a claim and you don’t want that call on your insurance record. Getting a roof inspection first is a more appropriate way to go. Roofing companies frequently work directly with insurance companies and understand their processes for estimates. Also, you will want to choose a Roofing company that is locally owned and operated and will stand by their work and products and provides a good warranty. Beware of storm chasing companies will take over and take advantage as they will use all sorts of unethical tactics to get a claim which later could become a problem and in which many cases is illegal.
Insurance adjusters are not roofing experts. Calling a roofing company out to assess damage will guarantee a thorough and accurate inspection. Roofing experts don’t look for surface damage, but instead dive deeper to find water and other underlying problems. Insurance adjusters often miss deeper issues and the roof’s situation only deteriorates. After a roofing professional has inspected your roof, Lifetime Roofing and Exteriors can help provide you information for your insurance company for a claim.
Deciding Whether to File an Insurance Claim
When a homeowner calls the insurance company after the damage is sustained, the company will send the adjuster out to inspect. If the damage found is under your deductible amount, you will have to pay out of pocket, but the insurance company will still consider it a claim. Even when insurance companies don’t pay a dime of their own money, the claim can increase your insurance policy premium.
Lifetime Roofing and Exteriors will be upfront about the costs and make recommendations to help homeowners decide whether to make an insurance claim.
The best benefit of calling a roofing company to assess damage is accuracy. Insurance adjusters often miss deep water damage. Lifetime Roofing and Exteriors expert will be able to find damage to your roof if there is any. The repairs will include everything, not just surface damage. Too often, insurance companies don’t properly assess the damage and roofing begins to deteriorate. This leads to more insurance claims in the future. Lifetime Roofing and Exteriors will also provide you with an overall assessment of your roofing needs. If your roof will need to be replaced within a few years, we will let you know, so you can make the proper preparations.
Lifetime Roofing and Exteriors
If you are looking for a roofing advocate for recent damage, give us call, we are locally owned and operated. Our experts will visit your home to provide an assessment of damages. After the evaluation, we will provide you with an estimate for repairs and help you decide whether to proceed with an insurance claim. Our business is highly rated and accredited with the Better Business Bureau and we guarantee our work. Check out our reviews on Google and yelp also.
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