Tips for Negotiating a Storm Damage Insurance Settlement

Extreme weather events can harm different parts of your home. You might need to file an insurance claim if your roof develops serious problems. If you are in this scenario and believe that your insurer’s initial offer isn’t reasonable, you don’t have to settle. 

A roof and gutter installation expert gives tips to help you get a fair payout for your insurance claim. 

You Don’t Have to Accept the First Offer

Sometimes, homeowners accept the initial offer because they feel intimidated by adjusters. It shouldn’t be the case because the adjusters’ goal is to close your claim quickly with the least amount of money possible. If you reject the first offer, your insurer likely has a more reasonable price ready for you. Meanwhile, if you accept it, they will save money. 

Work With a Contractor

Unlike many adjusters, experienced contractors have the experience and training to determine the extent of damage on your roof. They also know the best way to address the problem. They can help take photos and videos of the damage to support your storm damage insurance claim. Your roofer will also provide an accurate estimate, giving you an idea about the cost of repairs.

Only Speak to the Adjuster When Necessary

If you believe the negotiations between you and the adjuster are taking too long or there’s no progress with your claim, it’s best to seek assistance from a public adjuster or lawyer. As much as possible, don’t provide the insurance adjuster with a recorded statement. You should also only speak to them when necessary. 

Ask the insurance adjuster to justify their low initial offer by specifying each damage and the estimated amount necessary to fix it. When you’ve reached a final settlement, don’t forget to have it in writing. Also, never sign any document unless you have completely understood its contents. 

Time is of the essence when it comes to dealing with roofing issues. After a harsh weather event strikes your area, schedule an inspection from reputable professionals like STARR Roofing & Gutters. Aside from storm damage repair services, we offer quality gutter installation. Call us at (512) 736-6539 or fill out our online form to get an estimate.