Roof storm damage can be difficult to deal with, especially when it is extensive and needs to be immediately addressed. Though most insurance companies can send their own roofing contractors to inspect and deal with your roof’s storm damage, you should consider getting a second opinion before signing anything to get the most out of your claims.
Why Should You Get a Second Opinion?
Most roof insurance policies have terms stating that their assigned roofing contractor will provide a free roofing inspection after you file a claim. However, some of these contractors have the insurance firm’s best interest in mind and may downplay the extent of the storm damage on your roof. This is sometimes done to reduce the amount the insurance firm needs to shell out for your claim. It helps to have a second opinion on a storm damage roof inspection so that you can be sure you’re getting the payout you deserve from your insurer.
Common Tactics Used by Roof Insurance Companies to Reduce or Deny Claims
The amount that roofing insurance companies cover for storm damage repairs depends on the results of the inspection of their assigned roofing contractor. Here are some of the most common tactics used to justify a smaller payout:
- Not reporting the true extent of the damage. The assigned contractors will most likely say that the damage is not as bad as it seems and will require less than the standard amount needed to address the problem. For example, they might say that the damage only requires a few shingles to be replaced or patching up a few holes. However, the truth is that the damage is severe and might require roof replacement.
- Claiming lack of maintenance or existing damage. This is a tactic insurance adjusters use to shift the blame to the homeowner. They may claim that due to a lack of regular maintenance, existing damage worsened during the storm. This enables the insurer to reduce or deny your storm damage claims.
AQ Roofing LLC is a roofing company that also provides reliable gutter installation services. We are passionate about what we do; that’s why we provide our residential and commercial roofing customers with high-quality workmanship that is sure to provide them with the results they need. Learn more about our services by calling us at (501) 951-1683 or filling out our contact form.