Greeley Roofing: Article About Dealing With Adjusters
When it comes time to file an insurance claim, many homeowners sit back and let the professionals do their jobs. This is a great tactic for inspections and repairs, but it's also a great way to get ripped off. Insurance adjusters have an agenda to save the insurance company as much money as possible while still offering you reimbursement for damage. Dishonest or inexperienced contractors who do the repairs may attempt to prey on a homeowner's unfamiliarity with the project by inflating the damage and cost. If you're attempting to restore your Greeley roofing system as the result of an insurance claim, then find out how to deal with the professionals so that you can avoid getting duped.
Before you even contact the insurance company, check your policy for coverage. Insurance companies are very specific about coverage terms, and you want to arm yourself with as much knowledge as possible about things like hail damage, wind damage, roofing repairs and replacement options. For example, do you know how much you're liable for if a tree falls on your roof? How does your insurance company define wind damage as opposed to hail damage? These are the kinds of questions you need to ask and answer before attempting to navigating a claims process.
A roofer from Colorado Roof Toppers of Greeley CO can answer questions you have about skylights or wind damage.
While you're waiting for an adjuster to come and inspect the damage, contact a few local contractors based on reputation and experience with your particular situation. Select a contractor who can adequately answer your questions and who offers a free, no-commitment estimate. When he or she comes to perform the inspection, ask the contractor if he or she would be willing to work with you throughout the claims process.
When the insurance company sends an adjuster, keep in mind that they are there on behalf of the company. Some homeowners choose to hire a public adjuster as an ally against unfair dealings, but that may not be necessary. Instead of assuming the worst, attend the inspection with your adjuster and an experienced contractor at your side. Having a contractor present will ensure that the adjuster examines the same areas and comes to a similar conclusion about the need for repairs.
If your insurance company offers you a lower reimbursement check than you feel is necessary, ask for a second opinion. You may be entitled to a second review from an adjuster at the same company. If this fails, then hire an adjuster who's unaffiliated with your insurance company and who can assess the damage in an unbiased way. You can pursue legal action if you feel that your insurance company is refusing coverage, but it probably won't come to that. As bad as their reputations are, insurance companies are usually willing to work with homeowners to help them recover from damage.