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Insurance Claims

Helping Clients With Insurance Claims

HOW TO HANDLE YOUR INSURANCE CLAIM
WITH AFFORDABLE ROOFING & HOME IMPROVEMENTS LLC
Serving The Greater Memphis, Tennessee And Midsouth Area

Hail, wind and storm damage are considered an insurance loss through your homeowners policy. Most insurance companies will pay for all damage that is storm related, less your deductible. Storm related damage is considered a natural disaster and does not count against you towards your premium or any cancellation.

Affordable Roofing & Home Improvements specializes in weather related damage, including roof repair or replacement, gutters, siding, and interior painting & drywall. We can meet with your insurance companies adjuster to prevent you from not receiving enough money to cover your damage or worse getting denied.

With Affordable Roofing & Home Improvements you pay no out of pocket expense other than your deductible. We agree to do the scope of work your insurance company list and accept the amount they pay to have the work done.

OUR PROCESS

First, we double check the adjusters summary report to ensure the measurements and damage are reported correctly.

Second, we include on the contract every specified item the insurance company has paid for on there summary.

Third, your mortgage company maybe listed on the check sent by your insurance company. If that's the case, we will help you fill out any necessary forms and overnight them for endorsement.

Fourth, install your beautiful new roof and send a letter of completion to your insurance company for the remainder of the funds to finish paying for your new roof.

FREQUENTLY ASKED QUESTIONS

Insurance Deductibles

Insurance is only paying for part of my roof and my neighbor had his fully paid for;why is that? Well, no two houses receive the same amount of storm damage. The insurance company will only pay for the actual damage incurred. However, if it is border line, it is always beneficial to have a contractor inspect the roof with the insurance adjuster because they could overlook some of the damage.

Insurance Depreciation

Insurance withheld money back from the estimate on my roof. Most all policies cover full replacement value of a loss. The first check is the actual cash value of the roof, what the roof is worth today with its remaining life. The depreciation or replacement cost value will be paid to you when the work on the roof is finished and a letter of completion is submitted to the insurance company.

Insurance Premium

People tell me all the time, I don't want to file a claim because my premium will go up or worse they will cancel my policy. This is not true. Storm damage to your property is considered an act of God and the insurance companies cannot cancel you or raise your rate, it is against the law for them to do so.

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