Because wind claims are such a common type of claim, it puts you as a property owner, at a disadvantage.
The insurance companies have a lot of experience with these types of claims, and because of that they are better prepared to control your claim and minimize it as much as possible
It is not rocket science to understand that if a roof has significant and total damage, it needs to be replaced, and if it has little or no damage it does not. Well, it is unfortunate that it is not that easy! It is hard to distinguish whether the wind was the cause of the damage or not, and many times requires a professional opinion. Insurance companies feel that the best person to make the judgment call is the
adjuster.
Sometimes you may have an unfair judgment call. For example: Your neighbor may have his/her adjuster come out to look at his/her roof, and get the whole thing paid for. You on the other hand might have your adjuster come out and say that you are only eligible to receive a couple hundred dollars to do some repairs.
One thing that is very important for you to understand or consider is that once your adjuster has come up with an estimate or a decision regarding what you will be paid for your damages, it is very hard to get things changed. Remember, the adjuster is working for the insurance company and is there to make sure that your claim is minimized as much as possible.
This is where you need to be prepared to stand up against the adjuster and be able to point out the damages to your property. This is why it is very helpful to have someone there who can speak the adjuster’s “lingo”.
At Echo Restoration, we are here to make sure that your insurance company pays you fairly and correctly. We have trained professionals that are there to help you with the entire process, making everything simple and easy for you.
1. If you have composition shingles, collect the shingles blown off the roof.
2. Have the contractor complete a wind damage inspection report.
3. Take advantage of the fact that your neighbors were paid for new roofs.
4. Do not accept an “appearance allowance”.
