Insurance Claims Explained
Insurance Claims Explained. Though most people don’t think of it as such, your roofing actually plays an integral role in the overall structural integrity of your home. So, when something bad happens to it, be it from weather or sheer coincidence, it pays to have insurance in place to quickly get the problems solved and your home or business back in tip-top shape. Roofing by Hernandez specializes in assisting our customers with their insurance claims to do what we can to minimize the delays and red tape inherent in dealing with insurance carriers.
Before we get into dealing with the insurance company, it’s important to find out exactly what kind of coverage you have: ACV coverage or RCV coverage. Depreciation means ACV coverage may not pay for the full cost of replacing your roof – especially if it’s older. That’s why a replacement cost coverage policy, which covers everything after your deductible, is always a safer play.
So, knowing what kind of policy you have is only the first step. The next is calling (312) 439-0556 to speak with one of the expert claims specialists from Roofing by Hernandez about your roofing issue. We’ll schedule the earliest opportunity to have a specialist out to your location to assess the damage and provide an estimate for the needed repair or replacement.
With the estimate from our specialist in hand you’ll know whether or not the damage sustained will cost more than you deductible to repair or replace. If so, it’s time to call the insurance company to make a claim. Our expert will stay with you and assist you and your insurer through the process with any roofing information needed to finalize the claims process. This often includes meeting with an insurance adjuster to explain the estimate and any other viable options for addressing the problem.
Once the adjuster has signed off on the estimate, you’ll be sent the first of two checks for the work from your insurance company. This down payment will be used to get the roofing work underway and the second check will pay the outstanding balance when all work has been completed. It’s a complicated and confusing process for many home or business owners, but it doesn’t have to be; not if you partner with Roofing by Hernandez.