A lot of roofing systems have one to three decades of warranty. However, insuring your residence is still essential because the warranties for roofing do not deal with occurrences like fire and hail storms that can greatly harm the roof. When it comes to house insurance claims, the insurers will normally attempt to reduce the replacement estimate. Make sure that you get the correct estimation. Here are some tips to make sure you do.
When you file a claim, the insurance company may send an adjustor who might undervalue the expense of fixing a damaged roof. Numerous insurance companies are guilty of this and it is not right. In some cases, the insurance company will also send an adjustor for the 2nd time with a bit greater estimate but still remarkably low estimation. Keep in mind the adjustor is employed by the insurance company.
It is easy to know if the insurance company’s adjustor is guessing or if he currently has an amount in mind even before he leaves the office. An actual adjustor who desires to provide an honest estimate will climb up to see the roof damage. Nonetheless, whether or not he climbed up on the roofing to check for damage only matters just a little. What you want to do is call a professional roofing company to look at the damage. It will also help if you can get estimates from different roofing specialists. It is good if the roofing service providers have close estimations that are higher than the insurance company’s estimation.
Occasionally, the insurance company will agree to increase the repair estimate. Some times, they may not unless the case winds up in a legal action. If you feel they are low balling you find an attorney who is an expert in insurance situations. Many attorneys offer a no claim-no charge payment system so the high fee of hiring a lawyer is not a problem.
Other things you can do if you think the insurance adjustor low balls the replacement cost estimate is to take some photos of the roofing from different angles. You ought to also take a picture of just what damaged the roof such as hail. It is best if you could make use of a date stamp in taking photos.
Normally, fixing a roof can be expensive however there are lots of elements that determine the repair expense. A couple of the aspects that the roofing service providers check when giving an estimate are the measurements, roof slope, difficulty level, layers that need to be torn off, product, and ridge vent. The cost increases if you have skylights and chimneys, too. So making sure your insurance company will definitely deal with as much of the cost as possible is something you want to do.