It is devastating when a huge storm damages your home. Hail and wind storms affect thousands of American homes every year. Tornados produce large hail and severe fast-moving winds. Once you know you and your family are safe, the after effects can still be disheartening. How will you pay to repair the roof, siding, and broken glass? A storm damage roofer in Lincolnton NC can help walk you through the insurance claims office from start to finish.
Filing the Claim
A roofer in Lincolnton, NC can help you file a claim with your insurance. The phone call typically takes 10 to 15 minutes. The insurance company will ask for basic information such as the date and time of the storm date and what was damaged during the storm. Generally, within a few days, the insurance company will send out an adjuster to assess the damage. It is a good idea to have a roofing contractor there for this meeting. Your roofing contractor will advocate for you so you get the most out of the storm damage claim.
The Cost
You will be responsible for paying your deductible. Generally, the insurance company will send out a check made in the homeowner’s name. Sometimes insurance companies include the contractor’s name on the check. The check will not include your deductible. You will have to make up the difference and write a separate check (or other payment) to the contractor.
For example, the insurance company can determine the replacement cost value is ten thousand dollars for your roof. If your roof has not depreciated and your deductible is one thousand dollars, the insurance company will pay nine thousand dollars. You will be responsible for paying the contractor the remaining one thousand dollars.
