Insurance Claim Specialist
American Choice Exteriors, we work with Insurance Adjusters directly to ensure you get what you deserve. Insurance company representatives are trained to approve the minimum and without proper representation by a licensed roofing expert, you may not get what you are entitled to.
It’s like going to a life-sentence hearing without a lawyer! We are your advocates – let American Choice Exteriors ensure your Homeowner’s Insurance holds up to their end, otherwise what are you paying for?!
What Sets Us Apart From The Competition?
We Don't Use Subcontractors
Price Match Guarantee
We get lots of questions from our clients. Below are just a few of the most common ones. But we understand every roof is different, every house is different, and you may have specific questions regarding your specific situation or project. We’d love to answer them for you!
Give our team a call at (301) 687-2345 We look forward to speaking with you.
How do I know if I have storm damage? My roof isn't leaking.
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. This can cause severe damage that may not be readily apparent and may not result in a leak immediately.
It’s best to have your roof inspected by a state licensed roofing contractor such as American Choice Exteriors to determine if you need to file an insurance claim.
The insurance company withheld depreciation on my roof. Will I get that money?
Yes. Most homeowners 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 called the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or in some cases at the time a signed contract with a licensed contractor is submitted to the adjuster.
Why did my insurance company withhold depreciation?
There are two reasons that insurance companies hold some money back.
The first reason is to make sure that you get the work done. Past experience has shown them if they give the customer all the money up front, many people end up spending it on something else.
The second reason is to make sure that you pay your full deductible. The insurance companies are trying to prevent people from trying to find a contractor who would perform the job for the dollar amount in hand. By holding a portion of the claim amount, they can adjust the final payout based on the roofing contractor’s invoice, ensuring the customer pays the deductible.
Why is my insurance company only paying for part of my roof?
No two houses receive the same amount for a claim as a result of storm damage.
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 the insurance company cannot pay for the whole roof.
However, if is it border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof.
Often times, insurance adjusters may not see the damage in the same way a roofing contractor will. In addition, they may not be able to get up on your roof and inspect 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.
Will I pay my deductible to my insurance company or the roofing contractor?
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 homeowners deductible 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 is the total your insurance company will pay for the claim minus the deductible you’ll pay to the contractor directly.
Can I advoid paying my deductible for a roofing claim?
Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices.
However, this is considered insurance fraud and its illegal. Please don’t ask us to do this.