Roof Damage Insurance Claim Tip #1

If your roof has suffered damage due to wind or hail you will need to contact your insurance company and report a claim as soon as possible. What you say to them during the initial call may have a major impact on the amount of repair money that comes out of your pocket. During a storm a number of factors may have contributed to the damage. The majors are wind, hail and air borne debris. Depending upon who your insurance carrier is and the mood of the claims adjuster with whom you are speaking you may inadvertently misstate the the source of the damage and have to pay your deductable twice for two separate claims.

For instance, the morning after a storm you walk outside and notice a shingle or two on the ground and speculate that the wind from the storm has damaged your roof. You might call the insurance company and make a claim for "Wind Damage". Say the insurance company adjuster inspects the roof for wind damage and issues the determination that the damage caused by wind was not substantial enough to meet your deductable. You then hire a roofing contractor to repair the roof damage and they find that the roof has also sustained major hail damage as well. What do you do? File another claim. Pay close attention to the words you use when speaking with your insurer. You might have been stuck with having filed two separate claims, each with a 1% property value deductable associated with each claim.

Leave the determination of cause to the professionals. You should have a roofing contractor to act as your spokesman when dealing with the insurance company and their agents. This is a clear case of using the words "I Don't Know" when you really don't know! I confess, I'm guilty of thinking I know the truth and speaking about it as if it were the gospel truth! Many times I have later found that I was wrong.

The old adage that someone who represents themselves in court has a fool for an attorney holds true when dealing with insured losses. Basically, the insurance company is obligated to perform upon a contract executed between you and the company. Do you recall all of the details of that agreement? I certainly don't! We at Eclat Roofing have a great working relationship with both insurance companies and adjustors. We strongly recommend to our clients that you have us involved in all discussions with your adjuster. We work on our client's behalf to insure that they receive what they are due from the insurer. With a good, reputable contractor at your side you are assured to get the maximum that the laws allow from your insurer.

Eclat Roofing Blog Developed to Assist Clients

Eclat Roofing of Dallas, Texas begins publishing it's blog today as a service to it's roofing customers to provide them with the latest information affecting them and their roofs. Located in North Texas, our structures are exposed to climatic conditions that can be catastrophic. In the month of April, 2008 alone, storms utterly destroyed hundreds of millions of dollars worth of roofs on residential and commercial structures.

The aim of this blog site is to inform literally thousands of homeowners in the DFW area what to expect from their insurance companies as this year's damages are assessed. Higher deductibles have crept into local policies causing economic hardships among thousands of these affected homeowners. We will examine what you can do after a catastrophe and what you should do to protect yourself in the future. Our experienced team of roofing professionals have assisted thousands in working through the whole re-roofing and repair process with minimal pain.

Please come back, read and contribute to this site.

Best regards,

Eclat Roofing Inc.
www.eclatroofing.com