Colorado’s unpredictable and, at times, damaging weather can often leave your home with a roof in need of repair. These high winds, hail and other storm-related damages are considered an insurance loss on your homeowner’s policy. Insurance companies are liable to pay to have the damages repaired minus your deductible and non-recoverable depreciation per the terms of your policy. Often times you don’t just need roof repairs, but also need repairs on your paint, fencing, gutters, and siding as well. A storm or hail damage insurance claim is considered a natural disaster and that means making a claim for home repairs should not count against you for any potential rate increases no matter how large your claim.
To ensure you get your home fixed for the full value of damage, and, more importantly, that your home is repaired properly, you must file an insurance claim. The process can be confusing and frustrating on your own, but National Home Improvement has experience in helping homeowners get their homes repaired properly. Our insurance claim specialists have helped many homeowners like yourself get their claims correctly submitted to their insurance company, and receive the maximum amount needed to properly protect your home from future Colorado storms.
***If for any reason you need immediate repairs because of leaks call one of our representatives to get those leaks taken care of so you can avoid more substantial damages.
Get a Claim number from your insurance company and write this down. This number will be what is associated with the entire process of the hail damage insurance claim. Now, you will need accurate estimates on the damage severity and the cost of the repairs.
Once you have a claim number, the insurance company will arrange for an adjuster to inspect your home and give you a written estimate of needed repairs. When we work with insurance claims, our experts double check that written estimate. We look to verify that all damage was recorded, measurements are correct and that any required updates to building codes have been included. We thoroughly inspect the roof and the perimeter of your home for damages, including gutters, chipped paint, and damaged window frames & screens. When we identify changes that need to be made or items that were missed, we are equipped to re-write that initial estimate to include the new items, along with the proper documentation and re-submit that to your claims adjuster for approval as required, before work begins.
GET HELP WITH YOUR INSURANCE CLAIM
Once you have chosen an estimate or a company to work with, make sure you have them sign as a representative to help handle your insurance claim. By choosing an experienced insurance claim representative, you have the advantage of the representative having had already worked with successful insurance claims. The experience in the process will help you get the best evaluation for your repairs to make sure your home is repaired correctly and completely for the damages sustained.
After having accepted an estimate for the damages and work needing to be carried out, your representative will be tasked with filing the claim. It is very important that they have the claim filed with as many relevant details as possible. Having good detail will help to make sure your claim is settled for the needed repair value. Our insurance claim specialists make sure the damage and repairs are detailed down to the last shingle to make sure your claim is accurate.
Our insurance claim specialists work directly with the insurance companies and this speeds the process and gets your claim settled faster. Our representatives must work with adjusters to make sure the maximum evaluation is accepted to get your home repaired. Having experience with the insurance companies and knowing the process will help to expedite the claim being settled.
Finally, home repairs can begin after the insurance claim has been settled. The payouts during this process can be complicated as well, especially when a mortgage company is involved, and we help guide you through that process as well, but our focus stays on getting your home repaired to the best extent possible and in the shortest feasible time period.
Call us today or contact us online to get the process started: (303) 979-4444
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