Understanding insurance claims related to Storm Damage can be complex. But fear not! We've got all the information you need, and we leverage our insider knowledge as former insurance agents to your benefit.
Filing a claim will not result in policy cancellation or rate increases.
You have a one-year window from the day of the storm to file a claim.
High-impact hail can cause damage that might take 3-4 years to surface as interior leaks.
Questions about your claim?
Now, let's walk through our step-by-step Claim Guide:
We'll determine if you qualify for a Hail or Wind damage claim. Ideally, someone should be home at that time.
We'll inspect your roof, gutters, downspouts, siding, screens, windows, garage doors, decks, as well as check for interior leaks.
If you're ready to proceed, we can file your claim immediately, providing all necessary information to the insurance company.
We'll ensure a HAAG certified adjuster is present when the insurance company's adjuster visits. If there's no interior damage, you needn't be home.
In most cases, we'll know on the day of the inspection whether your roof is approved, and what damages the Hail or Wind may have caused.
Never tackle an insurance adjuster alone - lean on the expertise of a professional.
Now, here's what happens next:
Once approved your adjuster will send you the claim via email, and a down payment check. We'll scrutinize every line item to ensure accuracy and compliance with local regulations.
Often, claims miss many items. We'll submit a supplementary claim using software your insurance company accepts.
We manage every aspect of your claim; if the insurance company denies any items, we'll install them at no cost to you.
Next, select your new roof and gutter colors, and we'll pull the permits.
Most of our roof installations are completed in a day! We bring a dumpster the day before and remove it the day after.
When our crew leader does a final walkthrough with you, we make sure the city inspector signs off on your permit. We then send documented photos, along with a Certificate of Completion, to your insurance company. The final payment is released, and your claim is complete. You'll be updated every step of the way. Our team is dedicated to servicing you throughout this process.
You can fill out the form, call us, or text us to schedule your free roof inspection with Roof Smith, Inc.
We take pride in our reputation and integrity. We only file claims when we're confident of securing a full roof replacement for you. Sometimes, we might advise you to wait a little longer or caution you that your roof may be too old for a claim. We're here for your best interests - we don't want unnecessary claims affecting your insurance rates.