HAIL STRIKE APPROX. SIZE 1 INCH, 2-3 DAYS OLD
HAIL STRIKE APPROX. SIZE 1 INCH, 2-3 YEARS OLD
Just think what 2 inch or greater will
do?
Do I need to wait
for my adjuster to come out?
No. You would not go to court
without a lawyer representing you. DO NOT let the
adjuster come to your home without someone
representing you!
You need someone there to make
sure nothing gets overlooked. If not, you could be
drastically underpaid.
Do I need to get several estimates?
No.
Your insurance company is going to pay whomever you
have do the work so to you it is basically free and
you cannot get any cheaper than free.
They may tell you to get estimates but, they already
have a repair price in mind that they "INTEND" to
pay.
If you get a better price you just get less money.
DO NOT sacrifice quality by getting a lower price.
With a good price, a contractor can afford to
install
Good Quality Materials. What you end up with is Good
Quality Materials.
It's a Win Win situation. The only way you can lose
is without proper representation.
Get the best quality for your
insurance settlement not the cheapest price.
You do not need estimates because the insurance
company is going to determine their own price
regardless of any estimates you get.
Your insurance company will give you or send you a
"scope of loss" which explains the adjuster’s
opinion of the value of your loss and what they
intend to pay for those damages.
You need a separate damage assessment from an
insurance recovery professional to see what their opinion of the value
of your loss is and to make sure the
insurance company is paying you for
everything
that has been damaged.
If this is not done, you may find that you have been
drastically underpaid. Prices can only be
determined AFTER everything has been accounted
for.
You can not keep any of the leftover money! An
insured is prohibited from making a profit from a
loss. It may be a FELONY to keep the money.
HOW
THE INSURANCE COMPANIES PAY ON CLAIMS
In most cases, about a
week after the adjuster has assessed your property, you
will receive your first check. This is most commonly
called the ACV. (Actual Cash Value). This check should
represent the actual cost to repair or replace the
damaged areas only, minus depreciation. The age and
condition of the property is taken into account when
calculating this depreciation. After repairs have been
completed, the insurance company will issue a check for
the RECOVERABLE depreciation, provided the cost of the
repairs exceed the amount of your deductible and the
initial claim payment. The amount of recoverable
depreciation will be based on the lesser amount of the
adjuster’s estimate or the actual cost incurred on
damaged areas only. There is a way to receive the total
settlement payment WITHOUT depreciation. Many people
never get the depreciation amount back because they do
not understand the process or the contractor they chose
didn’t follow the proper procedures.
WHEN THIS HAPPENS, YOU
HAVE TO PAY THE DIFFERENCE.
THIS CAN COST YOU
THOUSANDS OF DOLLARS or,
you will have
to suffer with inferior quality, we’ve seen it countless
times.
You have a second check coming!
We can offer a COMPLETE
repair or replacement package at the discretion of your
insurance company without you having to do anything.
Let us handle all the red tape and you just think of one
thing.
“What color would you like?”
By letting us handle the
claims process, everything will go a lot smoother and
you will save yourself countless headaches from
unnecessary stress. Believe us, it is neither fun nor
easy to negotiate from start to finish with any
insurance company, and if you don’t know what you are
doing, you will be sorry that you didn’t let an expert
handle it for you.
All work is guaranteed
and will be performed in accordance with all state and
local laws.
CALL
NOW! (574)
855-7991
Will my insurance
rates go up if I make a claim?
NO. These claims are
considered a catastrophe and your rates are not
affected.
Will my insurance
company cancel my policy if I make a claim?
NO. You cannot be
cancelled for filing a claim especially if it was not
your fault.
Can I wait to file a
claim?
NO. Most insurance
companies only give you a short time in which to file a
claim and after that they are not obligated to fully
indemnify you for your loss. You need to file a claim as
soon as possible in order to ensure that you get
prompt and adequate coverage.
How much will the
entire process cost me?
The entire process will
cost you your deductible amount, usually
$250.00, $500.00 or $1000.00, but 90% of the time we can
even help you with that.
Will my insurance
company give me more money if I spend more than they
have given me?
MAYBE! Your insurance
company will only pay supplements on items that you can
prove they overlooked.
You must get
pre-approval from your insurance carrier before any work
begins if you are going to spend more than they have
offered.
(If you let us work with
them, we will not let them overlook anything!)
THE
INSPECTION
The adjuster will look
at your property during working hours, so you probably
won't be home when the damage assessment is taking
place, which means you have no input in the matter. We
ask that you allow us to represent you during the
inspection. The adjuster will inspect your roof and
exterior of your home for visible signs of damage only.
In most cases the adjuster will measure out a "Test
Square" (10' x 10') on different sections of your roof.
If he can find a sufficient amount of bruises or breaks
for each "Test Square", (usually only 7 or 8 are
required) the insurance company will buy you a new roof.
DISCREPANCIES
Most occur when the
adjuster has not assessed the same amount of damage as
us. Especially if we were not present during the
adjuster’s inspection. Whether it is for the roof,
gutters, siding or other exterior or interior damages,
something was just plain overlooked. Remember, your
adjuster isn’t an installer so he/she may omit something
that is needed to meet code requirements or something
that they didn’t know was needed because they are not
installers. This is another reason that we would like to
represent you during the inspection. We will not let the
adjuster miss anything that is required. In order to
save you time off from work and the headache of the
entire process, we ask that you allow us to represent
you during the inspection process. We will work with
your adjuster to determine the extent of the damage,
clarify pricing and offer a repair price agreeable to
the insurance company. All you pay in most cases is your
deductible, and sometimes we can even help you with
that.
CONSTRUCTION PROCESS
1.
Approval by your insurance company to perform the work.
Pricing will be determined by the insurance company and
House Mechanics through estimate negotiation.
2. After
being approved YOU will select material colors, styles,
scheduling etc.
3. We
will order and deliver materials and begin work shortly
after materials arrive.
4. We
will accept the FIRST check from your insurance company
as a down payment and continue working until job
completion.
5. AFTER
YOU HAVE APPROVED THE WORK AND SIGN THE
"CERTIFICATE OF COMPLETION", we will invoice your
insurance company for final payment.
My
roofer/contractor said “NO DAMAGE”
Most roofers, contractors and home inspectors
don’t
know how to inspect for hail damage. Anyone can see
severe hail damage because it's very obvious but, only a
person that has had the proper training will be able to
detect minor hail damage. Minor hail damage causes the
same amount of damage to your home it just takes longer
to show up.
My adjuster said "NO DAMAGE"
It is
possible that your roof was the only one on the block
that wasn't damaged. However, you are entitled to a
re-inspection by another adjuster.
So if you’re not completely satisfied with the results
of your claim, don't settle. Ask for another inspection.
HAIL DAMAGE FACTS:
Hail
may not show any immediate signs of damage to your roof,
but it will GREATLY reduce it’s useful life.
Without LARGE hailstones,
Hail Damage will not cause leaks,...(yet). Hail bruises shingles
and those bruises will progressively turn into holes,…(which WILL
CAUSE LEAKS).
Hail Damage can create leaks in your roof as the cracks and
bruises caused by the hail
impacts expand and contract over time.
Hail Damage can cause MOLD to start growing when those cracks
start to leak.
Hail Damage can void the manufacturer's and builder’s warranty
of your roofing, siding, and
A/C system.
Hail
Damage causes untold millions of dollars in damaged
roofs, siding, cars, crops and so on.
Hail can cost you time
and money when you are ready to sell your house and the
home inspector finds hail damage to the roofing, siding,
gutters and A/C system and recommends replacement by the
seller.
