Contact a Roofer Before Calling The Insurance Company

In the realm of home maintenance and repair, roof issues can often lead to a reflex action of contacting the insurance company. However, as experts in the field advise, reaching out to a roofing contractor first can be a more prudent and cost-effective approach.

Why Contact a Roofer First?

When homeowners notice issues like missing shingles or ceiling stains, their immediate reaction might be to file an insurance claim. However, this can be a costly mistake. Roofing contractors can often address these issues with simple repairs that are more economical than the homeowner’s insurance deductible.

Saving Money and Avoiding Frivolous Claims

In many cases, a roofing contractor can provide a repair quote that is around or just below the insurance deductible. This not only saves money in the short term but also helps in avoiding unnecessary insurance claims, which could negatively impact your insurance record.

The Role of the Roofer in the Insurance Process

When a roofing issue does warrant an insurance claim, having a seasoned roofer by your side can be invaluable. They understand the intricacies of dealing with insurance companies and can guide you through the process.

Filing the Claim with Expert Assistance

A knowledgeable roofer can assist in filing the claim, often initiating a three-way call with the insurance company to explain the roof’s condition accurately. Their expertise ensures the right adjuster is sent out, contributing to a fair and thorough inspection.

Ensuring Fair Treatment and Thorough Inspection

Roofers can play a crucial role in slowing down the process to ensure that every aspect of the roof’s condition is properly documented. This step is vital for a fair assessment by the insurance adjuster.

Understanding Insurance Estimations and Upgrades

Insurance companies use a software system called Xactimate to determine repair costs and necessary upgrades. Experienced roofers are adept at navigating this system to ensure homeowners receive the best possible roof, complete with current code upgrades and additional features like gutter guards or new flashing for skylights.

The Impact of House Bill 423 on Roof Claims in Georgia

House Bill 423 has significantly altered the landscape for roof claims in Georgia. It explicitly states that roofing contractors cannot cover insurance deductibles or provide monetary incentives, which is now considered insurance fraud.

The Three-Check System

Georgia’s insurance operates on a three-check system, taking into account the replacement cost value, depreciation based on the roof’s age, and the homeowner’s deductible. Understanding this system is crucial for homeowners to ensure they’re adequately compensated.

Navigating Deductibles and Actual Cash Value

Roofers can help homeowners understand the breakdown of payments, including the actual cash value of the claim and the subsequent release of depreciation funds to cover the roof replacement cost value.

The Risks of Illegal Practices and Contractor Reliability

Homeowners must be cautious of contractors who offer to waive or absorb deductibles, as this is illegal and constitutes insurance fraud. Working with a reputable company ensures adherence to legal standards and the provision of a reliable manufacturer warranty.

The Importance of Manufacturer Warranties

In an industry without a licensing body in Georgia, a manufacturer warranty becomes even more crucial. It guarantees that the roofing work is up to par and provides a safety net against contractors who might leave the state or go out of business.

Consult Roofing Done Wright Today!

Before reaching out to your insurance company for a roof-related issue, consulting with a skilled roofing contractor is advisable. Their expertise not only saves money but also ensures that any insurance claims filed are justified and handled correctly. This approach helps homeowners navigate the complex insurance process, avoid legal pitfalls, and secure a roofing solution that is both durable and compliant with industry standards. Reach out to Roofing Done Wright today for expert guidance and ensure your roofing needs are met with confidence.