Often when we do an assessment for a client and find ourselves suggesting that they contact their insurance agency, you can see the fear creep into their eyes. Many anecdotal horror stories have homeowners assuming the worst before the process even begins. But as a company that has assisted many homeowners and insurance companies alike, we can say that the process is fairly quick and painless if you're prepared up front. Which is why Farmington Hills Roofing offers you assistance every step of the way.
Damage to Your Home
Sadly, this situation all starts with damage incurred to your roof. A particularly nasty storm, or a toppled tree, and you find yourself with a repair that exceeds your financial capabilities. This is precisely the reason your homeowners insurance is there. Ensuring that you have a windfall in place if situations like these arise, and you find yourself contemplating whether to get repairs or pay your mortgage. At this point, contacting Farmington Hills Roofing will get you a professional roofer on site to begin the steps necessary to tap into your homeowners insurance and have it pay back.
Our first step in the process is delivering a professional assessment to your roof. Our contractor will inspect your roof from edge to edge and survey the exact extent of damages. After this assessment is done, they will provide you with all the necessary information, and give you a rough estimate on what you will be looking at for total cost on repairs. This will include materials, man hours, and other necessities. This figure is of course rough, and based on predetermined criteria to formulate a fair market price of repairs, which is the same calculations your insurance company will use.
Filing Your Claim
At this point, your insurance company will often want to have one of their own assessors do an inspection as well. This isn't for any other reason than the fact that they need the exact information for themselves, rather than relying on what information they're given. Often times you will find that the assessment performed by your company will match the one performed by a Farmington Hills Roofing contractor. This will give your insurance company the necessary information for them to deduce your costs and how much they will pay. Often it can be full coverage, sometimes you have a percentile to pay in as well.
Receiving Your Repairs
Once the estimates and financial matters are out of the way, comes your physical repairs. This will be carried out by Farmington Hills Roofing professionals who will bring your roof back to its former state and looking as great as ever. Once the repairs have been completed, then there is some finalizing paperwork that needs to be done by all three parties, and the process is complete. You get your repairs, assistance along the way, and aren't stuck footing the bill. If you were to ask us, that's nothing really to be afraid of.
To learn more about the process or get started today, pick up the phone and give us a call!