Complete Insurance Claims Assistance
The exterior of your home is vulnerable to the weather. That's especially true if you live in Texas where storms are frequent. With that being said, it's important to have your home properly insured and protected from damage caused by storms.
When storm damage does happen, you will want to read your policy, know your deductible, and the limitations of your policy, and then choose a contractor who understands the insurance claim process.
You'll be happy to know that the entire staff at Beinert Roofing & Restoration LLC is trained with storm damage insurance claims and can provide you with the best representation and assistance possible.
Get the Most Compensation for Your Damage
Beinert Roofing & Restoration LLC works efficiently with insurance companies to take care of storm damage claims. Whether your damage is caused by hail, wind, or a hurricane, our team is familiar with what insurance companies can cover as well as the regulations each has for a roof to be considered totaled, and therefore, replaced.
Our team has worked with many insurance adjusters over the years and has established a good working relationship with them.
Even if your claim process ends up being complicated, we'll make sure that every area of your property has been surveyed thoroughly and that you get the most compensation possible.
Getting the Claim Process Started
The first thing you need to do when your roof has been damaged by a storm is to contact your insurance company to make a claim.
It's critical that you tell your agent if you need immediate repairs of things like roof leaks to avoid further damage to the interior of your home.
Soon after that, you'll want to contact a trusted roofing contractor who can fully inspect your roof and let you know how much damage has occurred. Beinert
Roofing & Restoration LLC is a great choice for that.
We will make a diagram of your roofing project and, if necessary, take photos of any damage, including all roofing accessories, like vents, ventilation systems, flashing, turtle backs, pipes, gutters, soffits, fascia, and wood decking underlay.
Your insurance company will then send out an insurance adjuster. At no cost to you, we will meet with your insurance adjuster at your home, as long as you have signed a contingent contract with our company. This is contingent on us getting the insurance company to pay for your new roof after reviewing and pointing out the damage we documented during our inspection.
What Your Insurance Will Cover
After the insurance adjuster has assessed the extent of damage to your home, he or she will provide you with a claim summary that details the scope of repairs or of the full replacement. This will list everything that your insurance policy covers.
Once you have received the adjuster’s claim summary, our team will compare it with our own. If we notice that something has been omitted by the adjuster, we will file what is known as a supplemental claim to see if it's something they're willing to cover.
When making repairs to a storm-damaged home, sometimes other repairs and additional work may be necessary, thus increasing expenses.
If this does happen, Beinert Roofing & Restoration LLC will contact the insurance company adjuster to file an additional supplemental claim.
The Final Insurance Claim Details and Payment
Whatever is allowed and covered by the insurance company - our contract price will be equal to it. That does exclude your deductible and any supplemental claims made that end up not being covered by the insurance company.
Because we are working for insurance company compensation, you won't need to pay a deposit. Your first check from the insurance company is normally received in about a week.
The check may end up being made out to you, but it could also be made out to your mortgage company. If it is made out to your mortgage company, it will need to be sent to them for endorsement. We can also help you with this process.
If a supplemental check is issued, it's possible it could be made out to the mortgage company. The same procedure mentioned above would have to be followed.
The initial check might end up being smaller than you expect when considering the full amount of your roof. This can be due to your deductible and any depreciation.
There are 2 types of coverage options - replacement cost coverage and actual cost value coverage. Most homeowners choose the former.
With a replacement cost policy, we will recover and receive the depreciation withheld by the insurance company. This is after the work has been completed and our final invoice has been submitted to them.
The deductible is the portion that you are responsible for. It is withheld by the insurance company and won't be paid out to you. That deductible is something you pay out-of-pocket directly to Beinert Roofing & Restoration LLC.
You can pay your deductible via personal check or by credit card. If you pay with a credit card, you'll need to add an additional 4 % to the amount.
Your roof replacement's complete cost is the total of the first insurance check, your deductible, the amount of depreciation, and any supplemental charges.
By relying on a knowledgeable contractor like Beinert Roofing & Restoration LLC to handle the insurance claim and the work, you'll know your roof is in the best hands possible.