Understanding Insurance Claims/Process
At NationWideRoofing, one of our goals is to educate the business owner through the process. Our goal is to have well informed customers who know what is best for their investment.
Hail damage may or may not be visible from the ground. If you own a commercial property in an area where hail broke through the decking or broke out skylights, that’s more obvious. But always lean on the side of caution. You will want a professional inspection to find out the extent of the damage.
Your insurance company should pay for everything if you carry property insurance. But, be aware there is a TIME LIMIT on the claims process. If you miss the deadline, you’re left with a compromised roof that you will have to pay 100% out of pocket to replace. Understand how you will pay your deductible before you sign with anyone. Insurance Fraud is very real and the property owner is the one who gets hurt. This is why many roofers will offer to pay your deductible, because then you are committing fraud, not them.
The report you receive from your insurance company includes an estimate for your roof. If the check isn’t big enough to get your roof replaced, don’t be alarmed, it is only an estimate, there will be time to make changes later.
Don’t use a roofer without doing a thorough look in to their background… and most importantly don’t ever agree to pay a roofer upfront for the work they “promise” to do.
Also know, that if your roof isn’t leaking, it doesn’t mean you don’t have damage. It could still be damaged and may leak soon. So, though a repair or replacement may not need to happen ASAP, it will be better to act sooner than later.