Insurance Claims

                                Insurance Claims

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If you live in the Connecticut area, you are well aware of CT’s sometimes harsh weather conditions, and why routine repairs are necessary. A simple repair could potentially save you from a costly replacement or severe property damage. Not only are damaged roofs known for promoting water leakage and mold problems, but they can also cause significant heat loss during the coldest months of the year, which results in unnecessary money spent.

We specialize in emergency roof repair and storm damage control. Don’t wait for the storm to pass. Water can cause serious damage, so the sooner you call the better. Insurance Claims We offer assistance and free information to both home and commercial property owners before and after the Storm. At A Plus we won’t just repair the damage to your roof, we actually work with your insurance company to file the claim as quickly as possible, documenting all the damage and paperwork involved in the process to help ensure you receive the compensation you deserve.

Our Process

1) We ask that you provide us with a copy of your insurance adjusters summary report so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately.

2) We match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something.

3) We fax the signed contract to the insurance company.

4) If there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. Most likely there will be several forms to be filled out and notarized. We provide our Fed Ex account for you to overnight the check for endorsement and forward the documents needed to process.

 

Insurance Claims – FAQ

Q. How do I know if I hail damage?
A. In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause damage that may not be visible and not start to leaking for some time. It’s best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.

Q. The insurance company withheld depreciation on my roof. Will I get that money?
A. Yes. Most all home owners policies cover full replacement value. The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with it’s useful remaining life. The money that was withheld is call the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjusters summary report.

Q. How can I avoid paying the deductible?
A. Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please don’t ask us to do this.

Q. On my paperwork, it looks like my insurance company has already deducted my deductible from the check they sent me?
A. When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the home owners deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible, is the total amount the insurance company will actually pay for the claim.

Q. The insurance is only paying for part of my roof, and my neighbor’s insurance company paid for their entire roof; why is my insurance company only paying for part of my roof?
A. No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. It helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they’re not able to walk on a step roof and photograph certain areas. Excellent Roofing ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.

Q. What if your estimate is greater than the insurance company’s estimate?
A. Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.