Insurance Claim Assistance

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Insurance Claim Assistance

Filing a Homeowners Insurance ClaimNever processed a claim before? We can help. Large claims will most likely require the completion of several forms, which have to be notarized. We have a licensed notary on staff, and we offer this service free to our clients. Your only out-of-pocket cost will be your insurance deductible.

Here is a list of answers to common questions regarding filing a homeowner’s insurance claim:

A: In most roof claims, hail damage may not cause roof leaks immediately, but that doesn’t mean that you won’t have a leak later if the problem is not addressed. Hail can cause severe damage to your roof that is not always visible from the ground. It is best to have your roof inspected by a licensed and insured roofing contractor to determine if you have enough storm damage to justify filing an insurance claim. Call today and we will be happy to perform a Free Storm Damage Inspection.
A: NO! We will assist you with your claim from start to finish for free! Our roof claim management program is a complimentary service we provide to all of our clients. Call today and we will be happy the help you start your claims process.
A: Usually not. In many cases an insurance company will consider it a roof claim against your policy even if you don’t get a penny. Every time they go out, they count it as a claim. In most cases it is wise to have us take a look at your roof first. We can make sure the roof is eligible for a roof claim before you call your insurance company. If there is damage, we will also be happy to meet your insurance adjuster and make sure the specifications of your roof claim are correct.

The way a claim is filed can very often effect the way it is settled. Please call us before you call your insurance company and we will make sure you get started right.

A: Almost all home owners insurance policies cover full replacement value. When you file your claim, you will most likely receive the first of two checks from your insurance company, which is the amount of the Actual Cash Value (how much the roof is worth today considering it’s remaining life expectancy). The insurance company witholds what is called depreciation from the initial check and will pay it once the work has been completed.

Actual Cash Value + Depreciation + Your Deductible = Replacement Cost Value

A: In most cases, yes. Usually, residential policy claims have depreciation which is initially withheld. Unfortunately, many homeowners never have recoverable depreciation explained to them and as a result, they will commonly miss out on thousands of dollars of their claim. After the work is completed, we will help you work with your insurance company. We will provide them with all the necessary paperwork which will usually allow you to get ALL of the depreciation refunded!

There are many small details and variables which apply to each specific claim. Call today and we’ll make sure you understand your individual claim fully before you call your insurance company.

A: In most cases, yes. Usually, residential policy claims have depreciation which is initially withheld. Unfortunately, many homeowners never have recoverable depreciation explained to them and as a result, they will commonly miss out on thousands of dollars of their claim. After the work is completed, we will help you work with your insurance company. We will provide them with all the necessary paperwork which will usually allow you to get ALL of the depreciation refunded!

There are many small details and variables which apply to each specific claim. Call today and we’ll make sure you understand your individual claim fully before you call your insurance company.

A: While this rarely happens, if it does, we guarantee to install your roof per the insurance company specifications and pricing, so that your only out-of-pocket expense would be your deductible.

Please call us today and see what we can do for you.

A: No. To attempt to do so constitutes criminal insurance fraud.