No homeowner would want to deal with significant roof damage caused by severe weather. But if it ever happens, it must be addressed as soon as possible. It all starts with filing a storm damage insurance claim. Before tackling this, you must be aware of the full extent of damage via a roof inspection. However, there are instances where the assessment of the roof damage isn’t satisfactory. This can lead to your claim being reduced by a lot or getting denied outright.
How Do Adjusters Reduce Your Insurance Claim?
Roof insurance coverage may vary based on the details of the policy. The coverage you get may also depend on which insurance company protects your home. Some providers typically employ several tactics to prevent you from getting enough compensation for your roof repairs. It helps to be aware of these tactics so you’ll know what to expect when filing a roof insurance claim.
When an adjuster represented by your provider inspects your roof and gutter installation in person, they may think of ways to avoid paying for the repairs. For instance, they may claim the roof damage was already pre-existing and only worsened after being hit by severe weather. They may also downplay the damage and scale of repairs your roof needs by claiming it as minor damage. They’ll do these tactics just to justify their reduced compensation and ignore the entire cost of the repairs.
Why You Should Get a Second Opinion
A second opinion from an independent contractor is necessary to avoid insurance adjusters underestimating roofing materials and labor costs. Their expertise can be crucial when assessing the damage your roof has sustained. Their detailed report can help justify how much coverage you need for your roof repairs.
A second opinion also makes sense if the details of the storm damage inspection provided by the roofer you hire seem to be dubious or vague. Some even take it up a notch by saying that the storm damage is worse than it actually is. To minimize such occurrences and for you to have peace of mind, it would be best to work with a reputable roofing contractor who only has your best interests in mind.
The team at STARR Roofing & Gutters can help you bolster your storm damage insurance claim. Our experienced roofers will offer you a comprehensive roof inspection to document all problems with the roof and provide repair estimates. This will help you make sure you get the coverage you’re entitled to under your insurance policy. Call us today at (512) 736-6539, or reach us online to get a free estimate! We serve homeowners in the Texas Hill Country region, including Highland Lakes and nearby areas.