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Roof Insurance Claims
in Athens, Whitehall, Greensboro, Washington, GA and surrounding areas
Insurance claims can be complicated and confusing. Here at Georgia Best we specialize in dealing with your insurance company. We will take the stress off your shoulders and make the process easy and pain-free so you can enjoy the new look of your home without any hassle. Here are a few tips to help you along when filing an insurance claim.
Your insurance company cannot raise your rates due to you filing a claim.
This is not how rates go up. Rates are determined by the amount of claims filed in the area, usually by zip code.
Your insurance company cannot drop your coverage due to filing a claim.
However, they can drop you if you have excessive claims in a certain amount of time. These numbers vary by insurance company but is usually 3 claims in 3 years. Be sure to check your policy to ensure so you do not have a lapse in coverage.
Always have a roofer who specializes in insurance claims inspect your roof before filing a claim.
This will ensure that you do not file an unnecessary claim.
After filing a claim, your insurance company will assign an adjuster to your specific claim.
They will usually call you to setup an adjustment/inspection within 1-3 business days of filing your claim. Always attempt to have your roofer there during your adjustment on your behalf to talk to your adjuster. Your roofer is almost like your lawyer in this situation and they will be there to fight for you
If approved, most insurance companies will send you a packet of information disclosing payment information.
It is imperative that you share this information with your roofer. In some cases, insurance companies do not pay for all that is necessary for the replacement of your roof. Your roofer will be able to assess this information and determine if the amount is correct and if not, they will be able to supplement your insurance company for the additional expenses.
The payment schedule for most insurance companies can be confusing.
In most cases they will issue an Actual Cash Value (ACV) payment in the beginning. This check is written for the number that they determine the roof is worth as is. After the roof is complete your roofer will send your insurance any supplement, code upgrades, and all the pictures of the completed work allowing for the release of the depreciation check.
If you have a mortgage on your home, the checks that you receive from your insurance company may be written out to you and them.
It is important to have your mortgage company sign the check asap to not hold up the process of your new install.
We hope that this has answered any questions or concerns you might have about the claim filing process, but if not please feel free to contact Georgia Best Roofing & Renovations for further information.
