Insurance Claim SpecialistRESIDENTIAL & COMMERCIAL CLAIMS
Your Local, Full-Service Siding Contractor.
Hail, Wind, and Storm Damage Is Considered An Insurance Loss
On Your Homeowner’s Policy!
When it comes to roofing insurance claims, most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged due to a storm or natural causes. The claim is also considered a natural disaster and does not count against you for future rate increases. So, If you have storm damage on your roof, don’t make the mistake of paying out of pocket and make the right choice by contacting the team at American Choice Exteriors. We work hand-in-hand with all home insurance carriers and specialize in the insurance claims process.
Free Roofing Inspection
An Epert Team of Highly-Qualified Roofing Pros
Superior Customer Service
The Maryalnd Roofing Insurance Claims Process
If you own a home or business in Maryland, then you are no stranger to storms and the potential damage they can cause.
Between our usual rains, and the seasonal threats of storms, preparation and recovery from these situations are a regular part of the changing seasons.
But what about when it comes to your exterior and roof? Like most Maryland residents, you probably plan on leaving any roof-related damage in the hands of your insurance provider. Although, they are not the ones fixing your roof — they’re just helping pay for it.
You still need to find a contractor you can trust. A contractor that knows how to work with your insurance company to ensure your damages get covered. The Maryalnd roofing insurance claims process involves:
Contacting American Choice Exteriors for a Free Roof Inspection.
If we find your home qualifies for storm damage we will document all damage with photos and provide a written inspection report. Than protect the damage. We will than guide you through the claims process and help you open your claim with your insurance company.
Remember that a contractor like American Choice Exteriors works for you, while an adjuster works for your insurance agency. That’s why you need to know you can trust your contractor. We will meet with your adjuster on the scheduled adjustment date and work closely with the adjuster as they inspect the damage, ensuring they take detailed notes of all the damage to make sure you get everything you deserve and more! (Most insurance companies only pay for what is on your roof and we at American Choice Exteriors will upgrade your materials at no cost!)
If you already have a claim open, we ask that you provide us with a copy of your insurance adjusters summary report so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately
Second, we match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something.
Third, we email the signed contract to the insurance company.
We will create a work order with all the specifications of the project for you to sign.
You will recieve the intial check from the insurance. We will collect this check for your deposit.
Materials will be ordered, delivered and an installation date will be scheduled.
The jobsite will be protected. Your new roof will be installed while you stay safe indoors. All debris will be cleaned and and your home will be left in the original condition before we started.
We will do a walk around your home and sign the Certificate of Completion which will be sent to the insurance company for them to release depreciation directly to you.
Once you recieve your Final Check you will recieve your final invoice and we will collect final payment.
Your Lifetime Warranty will be issued.
DON’T WAIT UNTIL IT’S TOO LATE
After a storm, it is important to note the condition of your roof immediately. A damaged roof means your house or structure is vulnerable to even more damage; and if the issue isn’t resolved quickly, you’ll find far more costly repairs headed your way. This is why you should contact a roofing inspector immediately after the storm; if not, as soon as possible.
If your home or business has been hit hard, give us a call at (301) 687-2345, and we’ll send one of our roofing experts out to help.
OUR CLIENT IS OUR #1 PRIORITY!
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.
We love hearing from our customers! We invite you to read many more 5-Star reviews and testimonials from our clients.