How should we get ahold of you ?

I need to filed a claim, what do i do ?

The process begins with a simple phone call to the insurance company. You just inform the person on the phone that you would like to file a hail damage claim. They will ask a few identifying questions, and take your information. An insurance adjuster will be assigned to your claim, and will contact you to set up an appointment. Let us know when the adjuster is coming, and we’ll meet them there to represent you!

Will filing a claim increase my rates ?

You cannot be penalized for a storm damage claim, however, the reality is that a hail storm causes damage to an entire area, which will likely result in increased premiums for all homeowners in the area, it makes sense to take advantage of the coverage provided by the insurance company.

My claim was denied what next ?

Its unlikely but maybe your lucky, Hail doesn’t usually skip houses it covers the entire area. It is very unlikely that your neighbors would have damage, yet your home or business would not. If your claim has been denied, give us a call. We’ll come inspect the property, find any damage that is there, and walk you through the next steps. If the claim was denied, that’s not the end of the story. There are other steps we can take to help get your property restored

INSURANCE CLAIMS

WHAT TO EXPECT AFTER FINDING STORM DAMAGE

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Assess Your Home/Business Damage

We assess the total damage, taking pictures of everything we see so we can review it with you. We walk through the damage that was found and walk you through the process of filing a claim with the insurance company

Meet with Insurance adjuster Onsite

After the claim is filled, your insurance company will schedule an appointment so an adjuster can inspect your property. We meet the adjuster onsite, and offer very professional and helpful explanations, and make sure all damage is documented.

WE REPRESENT YOU to the Insurance Company

Like it or not paperwork drives this process Our experience has shown that errors still occur with the report received from the insurance company. We perform our own, independent inspection and review the insurance reports for any missed items. We work with the insurance company to make sure these items are covered

Schedule and Perform the Repairs

We meet with you to review the claim and schedule the work to be performed. Our crews arrive on the designated date and work professionally to restore your home or business. All trash and debris is removed from the property, and the property is left in great condition when the work is completed.

30 YEAR WORKMANSHIP WARRANTY

Additional Insurance Claim info

Actual Cash Value (ACV) and Replacement Cost Value (RCV) are different types of insurance coverage. The coverage you have under your homeowners insurance policy will determine how much money you get from your insurer for your property damage claim.

 
(ACV) vs.  (RCV)

Actual Cash Value, or ACV, is an insurance term that refers to what a covered item is currently worth, in its present state. This is not to be confused with what the item cost the insured when it was acquired. Insurance companies calculate this difference by taking into account the depreciation of the item.

For example, a brand new roof might have cost a homeowner $10,000 ten years ago when the home was insured. If the expected lifespan of the roof is twenty years, then the homeowner can expect an insurance company to deem the current Actual Cash Value of an undamaged ten year-old roof to be $5,000.

Replacement Cost Value, on the other hand, is 100% of the cost of replacing the damaged property with materials of "like kind and quality". RCV insurance coverage generally costs about 10%-25% more, but provides homeowners with much better coverage for property damage. In the example used above, a homeowner with a damaged 10 year-old roof would have the total cost of a full roof replacement paid for by insurance.


Depreciation ?

Depreciation is the amount that the damaged / aged items installed on your home have decreased over time. This value is calculated by the insurance company based on the age of the items installed (such as roofing materials).

Most insurance policies are Replacement Cost Value (RCV) policies, which means the insurance company will pay for the cost to REPLACE the items, not just their current value. The difference in these amounts is typically held back by the insurance company until the work is completed, at which point it is released to the homeowner to pay the remaining balance for the repairs


Insurance Payments ?

Once a claim has been filed, and an adjuster has confirmed the damage, the insurance company will begin the process of paying for the repairs to your property. The first payment that is made is the owner’s deductible, which is simply deducted from any amount to be paid by the insurance company. The insurance company will then calculate the total replacement cost of the items to be replaced, and will deduct depreciation from this amount. The amount remaining, to be paid by the insurance company, is the net claim amount. This amount is equal to the Actual Cash Value (described above) minus the owner’s deductible. Upon completion of the work, the insurance company will release the depreciation to the owner to complete payment for the work that was performed.
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