Get The Most From Your Insurance Claim
Your Partner For Insurance Claims
Before we go any further, I want to point out a very important fact - when it comes to roof repair insurance claims you don’t have to use the roofing company that was sent by the insurance company. You have the right to choose a roofing company that you know has your best interests in mind.
Many roof repairs and replacements are done through insurance. In fact, sometimes people aren’t even aware that they can have some or all of their roofing costs covered by their insurance. If there was a weather event or wind storm that caused the damage to your roof you should check with your insurance company and be sure to give them specifics regarding the weather event, it might help you in getting a better settlement.
If it’s time to replace your roof, you’ll need to decide if it’s best for you to pay out of pocket or to make an insurance claim to cover some or all of the cost. There are several factors involved including the size of your deductible, how much you would be covered by an insurance claim and what effect making a claim might have on your insurance costs moving forward should you go that route. Below are some of the frequent questions that come up regarding roof replacement insurance claims.
Do I Need To Use My Insurance Companies Recommended Roofing Company?
No, you can choose to use whatever roofing company you like? Why go with the roofing company that is partnered with the insurance company when you can choose a company that you are 100% comfortable with and can be sure is working for your best interests?
Why Is My Cheque Less Than The Cost To Replace My Roof?
Your insurance company will typically send an adjuster who will provide an estimate for the cost to repair and/or replace your roof. From that they will adjust the value of your potential insurance settlement to take into account your deductible. Another factor in the final bottom line is depreciation, which is the loss in value over time of your roof due to wear & tear as well as age. Let’s say for example that a tree fell on your roof and it needs to be completely replaced. Depending on how old your roof is, and also on the specifics of your insurance policy, your insurance company may determine that your roof had already depreciated 50% before the tree fell through the roof. This would then reflect in the amount that your insurance company awards you in your claim.
Can I Dispute The Adjuster’s Estimate?
Yes, you can dispute the adjuster’s estimate. It’s best to rely on your roofing contractor to make the case for you. Have them communicate directly with the insurance adjuster on your behalf. Contact us if you’d like to talk more about this process.
Trust Dependable Roofing to work with your best interests in mind when it comes to roof repair or replacements through insurance claims. We’ll guide you through the process so that you get the best result for your home.
Contact Dependable Roofing
If you are looking for a professional and efficient roofing company and are located in Southern Ontario as far east as Mississauga and Brampton, as far west as Kitchener, Cambridge and Brantford and as far south as Hamilton and Stoney Creek, you can count on Dependable Roofing, we'll get the job done right.
Call us toll free at 866-322-6268 or fill in our contact form and we can tell you more.