Most discrepancies occur when the adjuster has not assessed the same amount or type of damage as the contractor. Whether it is the roof, gutters, siding or other damage. The mistake could be due to the adjuster just being overworked or having an off day. The adjuster will look at your property during business hours. You are not required to be home when the adjustment takes place. This means that you could have little or no input on the matter. This, interior damage or other minor items could be easily overlooked. You are entitled to have the contractor-of-choice represent you during the adjustment process. The insurance company can never require you to work with a specific contractor. The choice is yours.
Make a Claim
Call your insurance agent if you have had hail in your neighborhood. You will be assigned a claim number and an adjuster will be out to inspect your property, and make an estimate of damages incurred. We will work with you as needed to assure a fair claim settlement and a clear understanding of the process.
The adjuster will need to climb your roof to inspect for signs of damage. The adjuster will measure out a “test square” on every slope of your roof. They will circle damage or bruises caused by hail within that square. If the adjuster finds enough damage within those “test squares”, then a new roof is in order. Your Insurance company will pay for your roof, less the cost of your deductible.
My Adjuster said “No Damage”
It is possible that your house was the only home on the block that wasn’t damaged. However, you are entitled to a re-inspection by a different adjuster within the same firm. If you are not completely satisfied with the results of your claim, don’t settle. Often times the expertise we bring to the settlement table makes a difference.
How does the Insurance Company Pay Claims?
You should receive your first check about a week after the adjuster has estimated your damage. This check represents that actual cost to repair or replace your damaged property, less depreciation, and your deductible. The age and condition of your property is taken into account when calculating depreciation. The depreciated amount will be paid when work is completed and the invoice from your contractor is sent to the insurance company.
If your home is mortgaged, the first check you receive from your insurance company should be made out to you and your mortgage company. This check, along with other required documents, will need to be sent your mortgage company. And inspection of the work may be required. We will be happy to assist you in the process, or complete it for you.
How we get paid
Our standard term for an insurance claim is to be paid when the insurance company pays you. The balance of the contract becomes due as soon as you receive final payment from your insurance company.