If My Insurance Company Pays Me To Have Repair Work Done Does It Matter The Contractor I Choose?

Waking up in the morning after a huge storm and finding roof damage is a stressful experience. To add to that stress, yous too accept to phone call your insurance company.

Dealing with insurance isn't a fun experience. But as long as you lot take homeowners insurance, you lot shouldn't take a problem.

Once you get through the claim procedure and it's approved, yous're prepare to become a replacement from the roofing contractor of your choosing. When talking to a potential contractor, I tin can guarantee the commencement thing they're going to enquire is to come across your insurance gauge.

Now you lot're probably wondering, "Should I practice information technology?" and "Why should I do it?". By the end of this article, you'll know the respond to these questions.

The team at Bill Ragan Roofing has helped hundreds of customers in the Nashville area with their storm-damaged roofs since 1990. We exercise everything nosotros tin can to requite you lot the best experience possible during this stressful time. No matter what kind of storm damage your roof has, you tin can count on us to take intendance of your problem.

Educating you on all aspects of roofing (especially insurance work) is one of our principal goals. That'southward why we're going to interruption down why sharing your insurance paperwork with a roofing contractor is important.

iv reasons it's important to prove a roofing contractor your insurance guess

You definitely demand to show a roofing contractor your insurance claim. But why?

Sharing your insurance paperwork lets them know the scope of work, saves you from committing fraud, and more. The rest of this article digs deeper into the four reasons why it'southward important to show your insurance estimate to a roofing contractor.

1. They demand to know the scope of work canonical by the insurance visitor

Without seeing the insurance company'south paperwork, your local covering contractor won't know that you fifty-fifty have an insurance claim. If they don't run across the paperwork, then they won't know what the insurance company included in the estimate or the scope of work required.

When a roofing contractor doesn't know the telescopic of work required, you can see a major problem of the cost being greater than the guess.

For case, some adjusters leave off items required by local codes. If your policy has a code upgrade provision in it, and so your insurance company is responsible for paying for them. If the adjuster leaves all the lawmaking upgrades off, you lot'll become a toll from your contractor that's much higher than the estimate.

Working in sync with your contractor ensures yous get exactly what your damaged roof needs in compliance with your insurance.

two. It'll relieve yous from inadvertently committing fraud

If you take a Replacement Cost Value policy (the insurance company will pay to supplant your roof), showing your paperwork can salvage you lot from insurance fraud. When the piece of work judge is less than what the insurance company agreed to pay, yous don't go to pocket the leftovers

To receive your recoverable depreciation, the items included in the merits must be included in the contractor's scope of work and then you lot don't inadvertently commit insurance fraud.

That'due south why an RCV policy requires proof of completion earlier they ship you a bank check for the recoverable depreciation. If you enquire for the check but didn't get the piece of work washed, your insurance company won't make your life easy.

3. Helps builds trust between yous and the roofing contractor

Once your insurance claim is approved, it makes getting multiple bids pointless. With the sales procedure eliminated, your contractor can concentrate on giving y'all the best quality roof that your insurance allows every bit quickly equally possible.

It also means that a roofer has no incentive to oversell or make promises they can't deliver. This builds trust betwixt yous and your contractor.

You trust the contractor for their honesty and for breaking downwards your insurance claim. The contractor trusts you lot for sharing all relevant information so they can exercise the job right the first time.

When you share your insurance paperwork with your contractor, not only is trust established but a partnership also.

4. Insurance companies tell yous to

When you get your insurance paperwork you should always read the fine impress. In the fine print, most insurance companies literally take a argument telling you to share the claim paperwork with your contractor.

Some examples of this are:

Travelers: "Therefore, you and/or contractor should review this estimate carefully and let u.s. know immediately if you have whatsoever questions prior to kickoff any work."

Liberty Mutual Insurance: "Nosotros encourage you to work with the contractor of your choice in completing the repairs to your home. If you lot or your contractor has any questions or concerns about this guess, please contact me at the number shown to a higher place."

Erie Insurance: "Please show the contractor a copy of our estimate so that they may phone call us should they have whatsoever questions."

If your own insurance company tells you to, then it's safety to say that you should share your paperwork.

Why yous demand to hire a covering contractor who works with insurance claims

Now you know that you should show your insurance estimate to a roofing contractor. You also learned the 4 reasons why information technology'south important.

Afterward reading this article, you're ready to show your paperwork and start the procedure to supersede your tempest damaged roof. Merely it's crucial to notice ane that has experience working with insurance claims.

Considering nosotros want to help every homeowner during a stressful fourth dimension with their insurance claim, we wrote some other article breaking downward why you need to hire a roofing contractor who works with insurance claim.

Since 1990, Neb Ragan Roofing Company has proudly served Nashville and other surrounding areas. Whether you demand repairs, a replacement, maintenance, or even a skylight, nosotros provide you with a positive experience throughout the procedure. And later our job is done, you'll have a lifetime warranty on our workmanship.

To learn why information technology's crucial to hire a roofing company that knows how to handle claims, bank check out Why You Should Rent a Roofing Company That Works with Insurance Claims.

Source: https://www.billraganroofing.com/blog/show-roofing-contractor-insurance-estimate

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