Roofing By Hernandez October 13, 2021
What To Do When You Have A Roofing Insurance Claim
If you’re a homeowner or commercial property owner in the Chicagoland area with a roofing issue you believe to be covered by your insurance policy then what do you do? What steps do you have to take to get the insurance claim roofing you need – and the money to pay for it – in a timely manner? With so many questions, you need expert assistance right away and you can get it from the licensed, insured and experienced insurance claim roofing professionals from Roofing by Hernandez. Our expert team has decades of experience helping property owners just like you get the insurance claim roofing services they need so you can count on us for the right information and recommendations all year round.
Speaking of information, let’s talk about what you’ll need to do when you believe you have a roofing insurance claim. As the process is pretty similar across Chicago-area insurance companies, we thought it would be a good idea to provide a layout of what you should do in order after you discover your roofing issue. Think of these as best practices you can follow to make the best of a bad situation. After all, no one wants to deal with an insurance claim but it’s easier when you work with Roofing by Hernandez from start to finish.
Best Practices To Follow When Making A Roofing Insurance Claim
Okay, let’s run through exactly what a home or business owner should do when they believe they have a legitimate roofing claim to pursue with their insurance carrier. As stated previously, there may be slight discrepancies in your insurance company’s processes or timelines but if you follow these recommendations you should make short work of the process and get the settlement check to get the necessary roof repair or replacement you need. You can always call Roofing by Hernandez at (312) 439-0556 and let us help you with everything – including paperwork and meeting with the adjuster!
Now back to the best practices to follow that we promised when filing a roofing insurance claim with your insurance company. While not all you need to consider, these should help you avoid the pitfalls common to the claims process. These best practices include:
You Need To Get In Touch With Your Insurer As Soon As Possible
Roofing issues that require claims can run the gamut – from simple roof repairs to full-blown roof replacement. In some of these circumstances, your residential or commercial property may not be safe so you may have to evacuate. So getting in touch with your insurance company as soon as it’s safely possible to do so is vital to getting the process started. You can make contact with them in whatever way is convenient for you but make contact nonetheless as quickly as you can. They’ll ask you to provide your name, your policy number, the location of the claim, your contact information and a secondary contact in case they can’t reach you. Have all this available so you’re not at a loss when they ask you for answers.
You can also call on Roofing by Hernandez when you’ve touched base with your insurer or even before if you want our help to ensure your safety or security prior to the insurance company coming through for you. Oftentimes we’re actually faster than they are to respond to our insurance claim roofing customers and we never leave them in a compromising position.
Have Temporary Repairs Performed By Roofing By Hernandez Pros
Having contacted your insurance company – and hopefully Roofing by Hernandez as well – you’ll want to schedule the adjuster visit for as soon as humanly possible. The fact is that the longer it takes for that step to be completed the longer you’ll be waiting for the check to pay for your insurance claim roofing project. And you don’t want to be kept waiting. Try to ensure they come out to your property immediately and barring that soon after. In the interim, you’ll want Roofing by Hernandez there to perform any necessary short-term repairs so your home or business doesn’t suffer further damage.
It’s important to note that many times insurance companies will expect the customer to pay for the temporary repairs and be reimbursed through the claims process. That means you need to save every receipt and invoice attached to that work for when it’s time for the insurance company to pay the bills.
Don’t Forget To Fill Out Roofing Insurance Claim Forms Right Away
One of the most important best practices to follow when filing an insurance claim about your roof is being quick with forms. There’s nothing worse than delays when you’re trying to get your residential or commercial roofing claim paid out and nothing causes more delays in Chicagoland than missed or incomplete paperwork. Our best advice – well, aside from just calling our insurance claim roofing team and letting them help you ensure every single form is filled out to the letter – is to never put off a single form for any reason whatsoever. Treat them like the deed to your property and give them your full attention from the moment you receive them to the moment you turn them in.
You’re not alone when it comes to insurance claim roofing forms. With decades of experience working with every major insurance carrier in Chicagoland, Roofing by Hernandez pros are ready, willing and able to walk you through all the forms your particular insurer will expect and how best to complete them!
Photographic Evidence Is A Key Element In Insurance Roofing Claims
As we discussed above, you’re going to want to have a licensed, reputable roofing contractor on your side during the insurance claim roofing process – for an abundance of reasons. None more important than our help with temporary repairs you’ll need to secure your home or business roofing until the adjuster arrives and the claim is processed. But it’s extremely important that whoever helps you with your temporary repairs takes enough photographic evidence of the problems to convince the insurance adjuster of the seriousness of your claim. Document everything, be redundant, be thorough because it could mean the difference in what you need and what they decide to give you.
Roofing by Hernandez can help you with this best practice as we have the experience to know what to look for, the technology to capture the right imagers and the reputation that gives the adjuster firm belief in what we present. That’s why we’re the #1 insurance claim roofing contractor in all Chicagoland!
Sometimes The First Insurance Check Isn’t For The Full Claim Amount
The final insurance claim roofing best practice we want to discuss is less a best practice and more a forewarning. You see many insurance companies have a two-step or three-step payment process when it comes to roofing claims. In that approach, the first check you receive is what’s considered an “advance” on your claim. This can be used to start repairs or replacement and does not represent all the monies you’ll receive for your roofing needs. We like to warn customers about this because it can be quite a shock to expect a sizable check and not receive that in the mail. Don’t worry, you’ll get the full claim amount in a second or third payment and your roofing company – Roofing by Hernandez – understands how the process works.
One more thing about this – sometimes the insurance adjuster may try to give you a settlement onsite without any processing. While this may seem like a good plan it can backfire if more damage is discovered after they leave because you may have to reopen the original claim at a later date and that’s never an enjoyable experience for property owners.
Remember You’re Not Alone When You Have A Roofing Insurance Claim!
Get the absolute best insurance claim roofing services available in Chicagoland from a five-star rated roofing contractors – Roofing by Hernandez. With the experience and expertise to help you get through the roofing claims process without headaches or regrets, we’re the right team for all your insurance claim roofing needs and we’ll be there for you from the first call you make to (312) 439-0556 to the final inspection of your finished roof repair or replacement. Don’t delay – follow our best practices and make the call today!
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