If you live in St Louis, roofing contractors are everywhere and it is hard to know where to start. Whether you are dealing with storm damage or just desiring to replace your sagging old roof with a new one, finding a trustworthy St Louis roofing company is a feat all by itself let alone knowing how to report a loss with your insurance on a damaged roof.
Don’t be shy about calling your agent and telling him/her that you may have damage to your roof — chances are the company will have adjusters in the area anyway. You can even file your claim online!
After you make the call make a list of all the damage you have noticed. Some of the things to inspect and to look for are dents in the gutters, bent fins on the air conditioner, dented roof vents and pipe caps, dents in window wraps and facia, damaged lawn furniture and flower pots. Roof damage is the only thing that can’t be assessed from the ground, just because the damage isn’t visible does not mean that it isn’t there, and extensive.
The one place to look is at the end of downspouts, look for small pieces of roofing and granules. Also inspect your vehicles, any storm that causes vehicle damage usually causes roof damage. After you have made your inspection appointment, make sure you are home when the adjuster comes and call his attention to the things you have noted.
If you feel more comfortable having your roofing contractor there when the adjuster comes, chances are the whole process can be simplified, and repairs can begin sooner.
Shamrock Roofing has been caring for their community for over 40 years. Repairing and replacing roofs is the business they do best. With Locations in 6 different cities, Shamrock has built a reputation for quality roofing and caring customer service.
Shamrock Roofing works with insurance adjusters to get you the best benefit possible. The duty of an insurance adjuster is to give you an accurate accounting of everything that was damaged by the storm and a written estimate of what it will cost to put your property back to the condition it was in prior to the storm. Remember, this is only an estimate and actual costs may vary. This is easily resolved between the adjuster and the contractor. In any case, you are going to be liable for the amount of your deductible and no more. The adjuster will either leave you a statement of loss or you will receive it in the mail in a few days. The statement of loss will itemize your losses and the estimated cost of repair for each.
Most homeowner policies are a replacement cost and will pay that amount even though the actual cost may exceed the adjuster’s estimate. The loss statement will reflect the replacement cost value (RCV), the depreciation, and the actual cash value(ACV) of your loss. The (ACV) column of the statement will reflect the amount of your first check minus your deductible. The depreciation column should be called the deferred column as it reflects the money held back by the insurance company until the work is complete and an invoice is submitted by the contractor for payment. The insurance company will then issue another check to you for the exact amount between the final bill, and (ACV) portion of your first check relating to that particular repair.
The (ACV) and the depreciation columns of your statement will total up to the (RCV) column of the statement. Insurance companies hold back money to track whether or not repairs are made and to insure that they pay no more than the replacement cost of the damage. Most insurance companies send catastrophe teams into storm situations, and the adjusters come from all over the country to work the claims. Although most are well trained and experienced some are not, and would not know hail damage if it hit them on the head. In any case, the adjusters are representing the insurance companies and it is the company’s interest they are hired to protect.
For that reason, they will tell you to get estimates to repair the damage, most will not tell you that you are spending your time shopping for the insurance company, as they have held out money as depreciation and will pay only the (RCV) for the repairs. As time goes on many homeowners will realize that it is reputable companies like Shamrock Roofing & Construction that are actually looking after their interests in the repair process. Call Shamrock today to get a free inspection (314) 380-3028.