If you've had hail or high wind in your area, to determine if the shingles have been damaged a close inspection of the shingles has to be made from the roof. Usually you cannot tell from the ground additionally many items in your property could be damaged, only our trained professional property inspectors will be able to tell what type of damage your property has acquired.
Hail damage to the roof accelerates granule loss, shingle aging, voids manufacturer’s warrantees and leads to many other associated problems like leaking.
Hail damage may not pose an immediate threat to the structural integrity of the roof but with time it will lead to many associated problems such as leaking. Unfortunately insurance companies have statutes of limitations on how long the claim is viable for which taking care of the problem right away is crucial.
Simply no. The insurance company is paying for your restoration. Your only cost is your deductible.
No, a contractor that is ready to give you an estimate on your insurance restoration job does not understand the insurance industry. The insurance company is paying for the repairs to your home and they set they price, therefore the only estimate that protects you from out of pocket expenses and guarantees you a complete restoration is one that the insurance company has written and/or approved. All contracts with a contractor should be on an “insurance proceeds” basis.
Big City Construction will review your insurance estimate and compare it to what is actually damaged on your property. If there are changes to be made we will submit photographs and claim supplements with our in-house property public adjuster on your behalf. We will engage in discussions with the insurance company in an effort to gain additional coverage. The insurance company has final say and will communicate changes by way of a new estimate and/or a supplement checks.
There are two types of coverage for your property. One is replacement cost coverage and the other is actual cash value. Replacement cost coverage provides for a damaged item to be replaced for what it costs today, at a fair market price of equal kind and quality, regardless of when it was purchased.
Actual Cash Value provides the compensation of the balance of the life expectancy of a damaged item. For example: your type and style of carpet has a 10-year life expectancy. Insured damage occurs when it is only 5 years old and it needs to be replaced. Your insurance company owes for only the unused portion of the balance of its life. Other parameters may also apply; your adjuster can explain this process in great detail. Replacement Cost Coverage protects your property in today's market place. Please contact your agent and make certain that the coverage you have is the one that is best for you.
We will inspect your property, assess your damage and pursue your best interest with the insurance company for your loss, once we make sure you have the coverage you deserve we will complete the job by bringing your property to a better state than where it was before your loss.