Many Columbus roofing companies help with insurance during the claims process, including Able Roofing. Roofing companies can help you avoid the headache of negotiating with insurance companies by acting as the middleman. Most clients who file claims with insurance work directly through us to avoid the hassle. If your roof has been damaged, we may be able to help you deal with insurance companies.
How the Process Works
If your roof is damaged by weather, fire, vandalism, or an act of God, call us first. Many homeowners mistakenly call the insurance company first, which can work against them in the long run. Contacting a roofing company first is always a good idea. Roofing professionals are better suited than insurance adjusters in finding deep damage from water and weather. Once we visit your home, we will provide you will an evaluation of damages and an estimate for repairs. If the damage costs are higher than your insurance deductible, we can work directly with the insurance company to file a claim.
Benefits of Receiving Help
Roofing companies work with insurance companies every day. Here at Able Roofing, we understand the claims process and work tirelessly to ensure our clients receive due compensation. When roofing companies work directly with insurance, homeowners don’t have to discuss or negotiate with insurance. The roofing company will take care of all the claim concerns and provide thorough estimates to guarantee your roof is fixed properly. Insurance adjusters are simply not trained to properly evaluate roofing damage and often leave damages unfixed. When you call us first, we will provide you with an accurate estimate. The insurance company can then pay the claim accordingly.
A roofing company can also help you decide if it’s best to go through your insurance company to file a claim. Sometimes, insurance companies will increase policy costs after claims are made. If you know your insurance company plans on a rate increase, it may be best to pay out of pocket. Many roofing companies offer financing, which can be cheaper in the long run.
What Type of Damage Do Insurance Companies Cover?
The question of insurance coverage is common for roofing damage. Each insurance company is different, but there are a few types of damage covered by major insurance groups.
If your roof is damaged due to wind, rain, hail, or snow, your insurance company will likely pay for it. Homeowners who have been neglectful with removing debris or keeping the roof free of water may not receive compensation. Insurance companies will have to prove the roofing damage was only due to weather, not neglect.
Act of God
Lightning strikes, forest fires, and natural disasters are often considered an act of God by insurance companies. This type of damage is not preventable or predictable. Insurance companies will cover these catastrophes.
Working with a Roofing Company First
When homeowners choose to work with a roofing company first, it prevents unnecessary contact with the insurance company. If your roof is damaged due to your own neglect, we will let you know. Often, when insurance agents discover this type of damage it’s filed as a claim, even when they don’t pay for it. The claim will cause your insurance policy premium to increase after you pay for the damages out of pocket. Remember, insurance companies are based solely on profit.