Roof Insurance Claims
North Carolina is one of the most affected States by storms, rain, wind, and disasters. It’s therefore essential that you have the right insurance. Roofing is an integral part of your Fuqua Varina Raleigh NC house and the costliest to replace. AMI Roofing recommends homeowners get the insurance that covers everything, starting at the roof.
We are a leader in residential shingle roofing near you, and we know the intricacies involved in an insurance claim. We are committed to providing our customers with all the information they need to ensure that their home renovations are covered by their insurance plan.
We offer a free consultation, and there is no obligation to file a claim. The Redemption roofing company will be happy to assist you if you have received an insurance settlement or are looking to file a claim. Get in touch with us today.
INSURANCE CLAIMS FACTS and MYTHS ABOUT THE INSURANCE CLAIMS PROCESS
Five steps in the insurance claim process
Many consumers have been misinformed when it comes to filing an insurance claim for a roof replacement or repair. These are the facts and myths surrounding the insurance claim process.
Myth: I can make money if I find a roofer that charges less than what my insurance company estimates.
Fact: This is insurance fraud according to Insurance laws. Insurance companies require that the roofing contractor provide them with a final invoice. The insurance company will save money by getting the work done at a lower cost than their estimate. It also does nothing for you. Your insurance company will adjust your final deduction check if the cost of roof replacement is less than what you estimate. This will make your final depreciation lower by the amount.
Myth: My insurance company told me that I must get three estimates before I choose the lowest one.
Fact: The truth is Three estimates are not necessary. You can also choose which company will do the work, and you don’t have to determine the lowest or most expensive estimate to save money on insurance.
Myth: No matter which company I use to fix my roof after a storm, it doesn’t matter.
Fact: Many companies temporarily travel to an area as “storm chasers” during active storm seasons. These companies “work” a place after a storm and then move on to the next room. They will not be available for service calls or warranty work.
Myth: If I file a claim, my insurance company will cancel the policy.
Fact: The Insurance companies can’t cancel your policy in the event of a claim arising from a natural disaster.
Myth: I will raise my rates if I file a claim with my insurance company.
Fact: Regardless of whether you have a new roof or not, your state board may increase the rates for everyone in your area.
There are several common indications that you might need to have your roof inspected:
- Recent Hail and Windstorm
- Water-stains on ceiling
- After heavy winds, roof debris can be seen on the ground
- Existing roof materials are prone to rot, warping, and curling.
- Extreme granule losses from shingles