SO YOU BELIEVE YOU HAVE STORM DAMAGE TO YOUR PROPERTY!
What do I do now?
Of course you are concerned but with our help you need not panic ! The process is usually very simple and easy if you take the proper steps. Remember your insurance adjuster wants to be fair and accurate. You are his company's customer and he has a job to fulfill. We find that most all adjusters first and foremost want to settle your claim and make sure you get proper results according to your policy. Remember that insurance companies sell and service many different types of coverage. You should check your policy yearly and make sure you are up to date. Make sure that you have the proper amount of coverage based upon the value of your home.
We are not in business with the insurance companies--we purchase insurance just like you.
REMEMBER---YOU THE CONSUMER ARE OUR CUSTOMER.
No roofing company can get you more money than you have coming. Those that claim they can get you special treatment are not being honest with you. What a certified professional roofing company can do is make sure nothing is missed on your claim. The experienced professional will make a very detailed inspection and provide you with an itemized list of damages. Another thing a professional
company can do is help you file for recoverable depreciation plus notify the adjuster of hidden damages which are uncovered when removing the damaged materials. This is a very simple
step that we take for you. Documentation, meeting adjusters, and making sure you get the proper settlement.
1. Your first step is to your insurance provider and report your claim
2. Next call Barney's to get a detailed itemized scope of the damaged
3. You are responsible to mediate damages--What does that mean---If you have damages which
are not immediately protected further damages may not be covered. In other words you cannot
let the damages continue to increase.
Again, that is where we come in. We can do this for you. This is a very important step for you
to take--You do not want someone trying to prevent further damages actually creating more
4. Your adjuster will give you a print out of the damages, costs, and issue you a check--however
most companies will not pay you in full at that time. You have ACV --recoverable depreciation
which will be paid to you after you have proof of the damages actually being repaired or replaced.
5. If you choose not to replace all of the damages--of course that is your money but legally cannot
be paid for actual work that is not done. Some roofers might try to give you paper work to get
that monies but they are breaking the law and you are involved. We recommend that you never try to do this.
6. We recommend that you do not pay for the repairs until you are fully satisfied. Do not spend
the insurance money and realize that you cannot pay for the contracted work. This happens
very often. Remember do not count your chickens before they hatch is good advise.
7. Any roofing company or general contractor that requires money up front is not a good practice for you the home owner. That company should have the monies to pay for everything involved to complete the contract.
8. Make sure that you have proof of the roofer's insurance, a lien waiver release, and a written
warranty before you pay them in full. It is not uncommon for home owners to end up paying
for a job twice.
. During all of this process--this is the best time to upgrade your home improvement products.
You can increase the value of your home and enjoy special products at the same time.
Lastly: Do not be afraid to ask questions, compare any and all estimates or proposals. Be sure
You understand what you are getting for your hard earned money.