If you’re like many homeowners, you’re reluctant to file an insurance claim even if you have storm damage because you’re concerned about having your rates go up or having to deal with a long, complicated process. Many people are not aware of this, but insurance companies cannot raise your rates due to an Act of God such as a wind or hail storm in your area. At Ridge Valley Exteriors, we don’t believe you should forego a settlement owed to you, so we’ve made it simple for you.
It can take several years for hail and wind damage to cause leaks, but some insurance companies require that you file a claim within six months to a year of the storm. That’s why it’s important to have your roof inspected immediately, whether or not you think you have damage. Also, homeowners that file early typically receive the best settlements.
In most states, your insurance company cannot cancel your policy because you file a storm-related claim, also known as an Act of God claim.
In the aftermath of a storm, your insurance company can’t raise your individual rates for filing a weather-related claim, but they can raise the rates of all homeowners within your geographical area.
“Low Bid” contractors will promise to pay your deductible and you pocket the difference. This is not possible unless this dishonest company produces false contracts! This is also known as insurance fraud.
Shop for the best contractor, NOT the lowest price. “Depreciation” is only paid to cover “incurred cost.” If your estimate is lower, the insurance company will only pay off of your estimate!
1. Call your Insurance Company's claim number and inform them you would like to make a claim on your roof from the storm (provide date of Storm – your Certified Roofer will have this date). Tell them you have had the roof inspected by a professional roofing company who noticed damage to your roof.
2. Most insurance companies will turn the claim over to an insurance adjuster. The adjuster will contact you. Get an exact time and date from the adjuster and tell them you have a roofing representative. REMEMBER to get a claim number from them.
3. Call us so we can have a date and time to represent you with your claim.
Important: Call your local Certified Roofer with adjusters meeting date and time.
Our on-staff insurance claim experts will help you get your roof damage claim filed.
From small repairs to major structural storm damage, we’ll work with your insurance company to expedite your claims.