Roofing & Property Insurance Claims
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Insurance Roofing Claims For Replacements & Repairs From Storm Damage
Let 5RG Roofing & Gutters show you how to get back to pre-loss condition.
Get back to normal quickly and hassle-free with our expert insurance claims assistance. Our team of professionals will guide you through the process, ensuring you receive the maximum reimbursement for your storm-damaged roofing replacements. From assessing the damage to negotiating with your insurance provider, we've got you covered. Trust us to handle the paperwork, so you can focus on rebuilding.
Hail Inspections & Reports
At 5RG Roofing & Gutters, our expert team provides comprehensive roof inspections to identify signs of hail damage. We meticulously examine your roof and property for specific indicators, including:
* Bruising on shingles that can lead to mat damage and granule loss
* Soft metal damage, such as dents on vents, gutters, and downspouts
* Exterior damage around your home, verified against storm data
Our thorough inspections ensure that any hail-related damage is detected and addressed, protecting your investment and providing peace of mind. Contact us today to schedule your inspection.
Dealing With Insurance Claims
Navigating a roof insurance claim requires prompt and meticulous action. To ensure a smooth process, it's essential to document all damage with clear photos and videos, and mitigate further harm with temporary repairs. Notify your insurance company, review your policy, and consider consulting a professional roofer to compile a comprehensive claim package. This collaborative approach will help you achieve a fair settlement, minimizing stress and financial burden.
1. Understand Your Policy: Know your policy's coverage, especially if it's Actual Cash Value (ACV), which deducts for depreciation, or Replacement Cost Value (RCV), which covers the cost to replace your roof with a new one.
2. Mitigate Further Damage: Take temporary measures like covering holes in your roof to prevent additional damage from weather, and keep receipts for these repairs to include in your claim.
3. Document Everything: Take detailed photos and videos of the damage, including wide shots and close-ups, and note the date and circumstances of the damage.
4. Contact Your Insurer: Notify your insurance company as soon as possible, as there may be a time limit for filing a claim.
5. Hire a Professional Roofer: A trusted, local roofer can help you by inspecting the damage, providing a detailed report of their findings and the cause of the damage, and preparing a professional estimate for repairs. Working with the Adjuster
6. Be Present for the Inspection: Have yourself or your roofer accompany the adjuster to point out the specific areas of damage and answer any questions.
7. Provide Your Documentation: Give the adjuster your photos, videos, contractor's reports, and repair estimates to support your claim.
8. Negotiate the Payout: Do not accept the first offer if you feel it undervalues the repair costs. A professional roofer or public adjuster can help you negotiate for a fair and accurate payout.
9. Complete the Work: If you have RCV coverage, you generally need to complete the roofing work to receive the full amount.
10. Watch for Fraud: Be cautious of storm chasers or general contractors who pressure you to sign contracts before insurance approval or require large upfront payments.
Your Rights - Insurance Bill of Rights
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