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The mitigation process of a residential Insurance claim can be very stressful. The insurance companies rarely inform the homeowner of their rights or responsibilities. The insurance adjuster may be a third-party contractor working on behalf of insurance company. This means that the adjuster may or may not know the policy and procedures of the insurance provider. Many of the insurance adjusters request that the homeowner have any contractor to provide them with an estimate of the damage. This is a big no-no and you should advise him or her that they need to do their own assessment and proposal for the projected damage to your home and or personal property. Do not be intimidated by the insurance adjuster into doing something that is not your responsibility. A savvy roofing contractor will advise the homeowner that it is the responsibility of the insurance adjuster to provide you with a loss report statement. This report will include the amount of materials and damage to the homeowners property that will be replaced and covered under the insurance policy. The adjuster often makes mistakes when completing their estimate of damage to property. A roofing contractor can redraw the home, take pictures, and resubmit the claim to the insurance company for the additional damages. This process is known as resubmitting a supplement for approval and payment. From the beginning we advised against giving the insurance company an estimate from a contractor. This prevents the insurance company from saying they are not going to give you additional money to complete your repairs due to the inadequacy of the calculation from your contractor. That is why it is so important to let the insurance adjuster complete his assessment so that you may have recourse if the job runs short on materials. When dealing with a residential insurance claim it is of the utmost importance that you find a roofing contractor or general contractor who understands the insurers process from the beginning to the end. The contractor will need to be a very strong advocate for the customer. Insurance companies have a tendency to to do as little as possible when it comes to the reimbursement of any damage to a homeowners residence. About the Author:
As a homeowner, it may be in your best interest to hire a roofing specialist to help you with your insurance claim. We have vast amounts of experience in processing claims insurance claims. If you need an Atlanta roofing company, then we are your company.
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