Shouldn’t I be able to trust my insurance company to do the right thing?
In theory, yes. In many cases, property owners do what seems natural after they suspect or realize that their properties have sustained at least some damage – they (following conventional wisdom) call in a claim to their insurance company, ask for an adjuster to assess the damage then ask for several “free” estimates to repair the damage.
Storm damage catastrophes like the recent wind and hail storms that came through the area put tremendous pressure on insurance adjusters as well as the claims departments of property & casualty insurance companies. In order to handle the overwhelming number of claims, they call in teams of “cat” (catastrophe) adjusters to back up local staff adjusters. Unfortunately, due to the tremendous demands put on them (“cat” and staff adjusters alike) by the insurance companies they represent, damage is often overlooked and the policy holders often end up with drastically underpaid or completely denied claims.
In a storm damage situation where thousands of properties have sustained millions of dollars in damage – all at the same time, the typical retail contractor who may be the nicest person in the world but does not understand the insurance claims process or insurance law is usually unable and incapable of properly handling the property owners claims.
After your insurance company has sent you a “scope of loss” which explains what damage they are paying for that scope of loss needs to be audited by an experienced storm damage insurance recovery and restoration contractor like Antebellum Roofing LLC to make sure the insurance company is paying you for everything. If this is not done, you may find that you have been drastically underpaid. Because you pay 100% of your insurance premium, your insurance company should pay you for 100% of the damage – not 80% or 50% or even less.
Inexperienced retail contractors focus their energies on underbidding each other (giving estimates) rather than getting the property owner paid for all the damage. If the true cost to repair the damage to your property is, for example, $12,000 and your insurance company only pay’s you $8,000 – and an inexperienced retail contractor agrees to do the work for $7,500, you will find yourself having to pay the difference – $4,500 (the $500 you thought you saved plus the additional $4,000 the insurance company didn’t pay you) out of your own pocket.
Roofing Insurance Restoration Process
1. A Antebellum Roofing LLC Field Supervisor will conduct an inspection of your home to determine the extent of damage to your roof, siding, gutters, windows, and the interior of your home.
2. We will ask you to call your insurance company to initiate a claim. (Unfortunately, insurance companies do not allow us to do this for you.)
3. Once you have an insurance claim number, our Field Supervisor will contact the Insurance Adjuster
assigned to the claim, and on your behalf, we will begin the restoration process.
4. Our Field Supervisor will meet with the Adjuster and point out all of the damage. We encourage you to be present during the inspection. However, if it is inconvenient to take time off work and you prefer not having to climb up on your roof, your attendance is not required. If the Adjuster agrees with our assessment, we will notify you immediately. If they disagree or refuse to pay for everything we feel you are entitled to receive, we will notify you immediately. We will then request that a different Adjuster re-inspect your home. If they still refuse to pay you what we honestly feel you are entitled to, we can have an Arbitrator completely re-inspect your home. Once again, you are kept apprised on a daily basis.
5. Once we receive approval from your insurance company, two things will happen simultaneously. The Insurance Adjuster will tell your insurance company to write you a check for at least half the total cost of the project. While you are waiting for your check, you and our Field Supervisor will pick out building materials and colors. Also, our Field Supervisor will collect the insurance deductible, which is typically $250. This is typically your only out-of-pocket expense unless you purchased upgrades or other services not covered by your insurance.
6. Next, our Field Supervisor will order the materials needed to replace the damaged areas,
7. When the materials are delivered, our Project Manager will do a thorough inspection and make sure that all of the materials are the right colors and that everything is correct. Also, at that time, our Field Supervisor will collect the first check you have received from the insurance company. In the construction industry, it’s called a “Material Drop Check,” because the materials have been dropped at the work site.
8. Once the Material Drop Check has been picked up, our Production Manager will schedule the work to be done on your house and assign the crews.
9. On they day of construction, our Project Manager will be at your house to meet the crews and get started.
10. Once everything is completed, you and our Field Supervisor will go over the Inspection Checklist together, point by point, to confirm that everything has been completed to your satisfaction.
11. After completion of the work on your home, we will invoice your insurance company for the remainder of the money due for the project. When you receive final payment from your insurance company, our Field Supervisor will come to your house to pick up the check and do a final inspection to make sure you are completely satisfied.
Antebellum Roofing, LLC is committed to providing our customers with quality roof application and construction services. Our reputation and efforts are unparalleled through our commitment to provide customers with superior service, premium products, and quality workmanship.
We will work harder than anyone to earn your roofing business. We do so in order to earn your trust by doing what we say. This will provide us the pleasure and opportunity to gain your respect by delivering a quality project that protect your building and the investments therein.More Roofing Tips