Insurance claims are always an inconvenience and disrupt our daily lives. In today's busy world
the added frustration of having to deal with contractors, and your insurance adjuster can be
stressful! San Antonio Roofing will help you through the whole process from beginning to end,
as a matter of fact after you file your claim your direct involvement with your insurance
company can be completely hands off.
We will make all necessary appointments with your insurance adjuster when he inspects your
roof. Your roofing claims specialist will meet with your adjuster to ensure that your roof gets
approved, and that all the required components are paid for so that you get a quality roof.
Pricing is never an issue because we use a software pricing program that most insurance
companies use when determining the cost to replace your roof.
Before San Antonio Roofing Company tears off the first shingle from your old roof we make
sure of the following for your peace of mind:
1.Your insurance agrees to the number of squares and components on your roof that will be
2.Your insurance agrees to any special circumstances that may effect the cost of replacing
3.Your insurance has agreed upon a final cost to replace your roof.
4.Your contract reflects the exact same price as your final insurance settlement amount
excluding any upgrades in materials you may have decided upon.
5.Your contract indicates the style, year, and color of the roofing materials you have chosen.
We look forward to discussing your re-roofing project and providing a solution that works for
Call us today at 210-341-7663 to discuss your roofing service needs.
Note the date. If you know for sure that you've recently had a hail storm, note the date. You'll
need this date to file a claim. If you didn't take any picture of the hail storm yourself, do an
Internet search with the name of your city and the keywords, "hail storm." You ought to find a
lot of pictures of people showing the size of the hail. So, save a few to show the agent.
Step 2 Get a qualified opinion. If you suspect you have damage to your roof from a hail storm,
get several opinions from qualified roofing companies. If you are in an area susceptible to hail,
you will most likely find several that list themselves as hail damage specialist. Simply tell them
that you suspect you have damage from a recent hail storm and they'll be more than glad to
come and give you an estimate. While searching, try to find the website in your city that
specializes in rating home repair agencies. This will give you an opportunity to read reviews
about the companies you might select.
Step 3 Meeting the roofing companies. When the roofing companies come, spend some time
getting to know them and ask about the service they provide. Most will spend about 10-20
minutes on your roof accessing the damage. Ask them what they think and if they'd
recommend that you call your insurance company to file a claim. Get business cards and any
information they provide about the roofing process that they use. Ask them all if they'd be
willing to be there when the insurance adjuster comes to access the damage. I think as a
general rule, if they are not willing to be there then they really don't think you have much of a
chance in getting your claim approved.
Step 4 Filing the claim. This is the easy part. If the roofing companies recommended you call
in a claim, just call your insurance company and tell them you want to file a claim for hail
damage. They will then requests all the pertinent dates and data from you and will probably
also ask if you have any interior damage. It's probably not necessary, but when I put in my
claim, I made sure that I told them that I already had several roofing companies who specialize
in hail damage look at my roof and tell me it needed replacing. Also know this, in most states
you have up to one year to file a claim for damage. Although I don't recommend you wait that
long, just make sure you know what the date, or dates, of the hail storms were. Also, don't
worry about how old your roof is because it doesn't matter. The insurance company will look at
your claim and settle it if you have damage no matter how old it is. The last thing they want is
for your roof to fail (leak) and you put an even larger claim in.
Step 5 Meeting the insurance adjuster. When the insurance adjuster comes, there will not be
much for you to do. Hopefully, you'll have a contractor who agreed to meet the adjuster with
you. The adjuster will take about a half hour to access and take picture of any damage and
then explain the next steps to you. Some companies may give you a settlement quote right
then, but many can take up to a couple weeks. When the adjuster is done, you contractor, or
contractors, will probably compare notes with the adjuster mainly to see if the total roof
measurements are about the same. In a case where the adjuster states they didn't think there
was any significant damage, ask your contractor to debate it with them. Even if you didn't have
one there at the time, and you later tell your roofing company what the adjuster said, most
insurance companies will send their adjuster back to discuss with your contractor.
Step 6 When the adjuster leaves. Well hopefully, they gave you a favorable indication about a
settlement, so the next thing you want to do is make sure you get written quotes from the
roofing companies you've been working with. Start thinking about which one you are going to
select, and make sure you take into consideration a company's reputation and not just the price
or discounted rates they're offering you. Also ask them for a discount or upgrade if you should
bring them more business. If you had hail damage, then it is likely your neighbors had damage,
and you might as well benefit by recommending a roofer to them.
Step 7 Getting the work done. If your insurance company approves your claim, you will most
likely get enough, less your deductible, to complete the work. If it's not enough, your contractor
should help you dispute the amount based on the work needed. Don't be alarmed if your
insurance company depreciated the amount allocated for repairs because of roof age. They
are just holding back some of the money until the work is complete. So, if they hold back $700
for depreciation and the actual cost of work is a little more then they sent you, all you have to
do is send them a letter of completion from your contractor with the exact amount when the
work is done and they'll send you the difference. And that's it; a new roof for the price of your
Call San Antonio Roofing Company @ 210-341-7663
|San Antonio Roofing Company