Your roof is one of the most important structural elements of your home. It protects your family and all your possessions. A damaged roof can lead to secondary problems, such as water damage and mold damage, both of which are costly and difficult to repair.
If your roof is damaged in a storm, contact Get Paid For Your Claim right away. We will send a licensed public adjuster to your home to meet with you and personally inspect the damage. After reviewing our findings with you, if you retain us, we will contact your insurance company immediately and file a claim on your behalf. At Get Paid For Your Claim, we understand that time is of the essence – most insurance companies have filing deadlines that must be met after your home is damaged. In addition, by filing quickly, you will also benefit by having the insurance company adjuster come evaluate the damage sooner, so you can start the repair process faster.
Next, we will analyze your homeowner’s insurance policy to determine your coverage. The first item is your deductible, which is the amount of money that you are responsible for paying before the insurance company pays anything. For a typical storm, most deductibles are specific dollar amounts between $500 – $5000. For a hurricane, most deductibles are either 2 percent, 5 percent or 10 percent of the Dwelling coverage. This means that most people will have to pay much more out-of-pocket to repair damage caused by a hurricane than a typical storm.
The second item we will determine is whether your policy covers replacement cash value (RCV) or actual cash value (ACV) to repair your roof. RCV means that the insurance company will pay the full cost (minus the deductible) of repairing or replacing the roof. ACV means that the insurance company will factor in the age of the roof and will depreciate the cost of repairing or replacing the roof based on its age.
When the insurance company adjuster comes out, they will closely inspect the roof and determine how much the insurance company should pay out for the damage. One of our public adjusters will attend this inspection and speak directly to the insurance company adjuster to help resolve any differences of opinion about the value of the damage. This can significantly reduce the likelihood that the insurance company will undervalue or deny the claim.
While you are waiting for a resolution to your claim from the insurance company, don’t make any immediate repairs to the damage. However, it’s important to do what you can to prevent the damage from becoming worse. This could include putting up tarps over the damaged areas of the roof, moving furniture away from any wet areas, and putting out buckets to catch leaks. You should also consider hiring a mitigation company to dry the property so as to prevent mold. We have several companies that we can recommend.
Finally, remember that you are not alone as you go through this. At any step in the process, you can contact us with additional questions or concerns. If your roof is leaking after a storm, contact us right away. The sooner you call, the sooner we can help you receive the compensation you are owed.
Insurance companies have their own team of experts and insurance adjusters to advocate on their behalf. At Get Paid For Your Claim, weadvocate for you. As a licensed and bonded Public Adjuster, we help insurance policyholders who have been forced to use insurance to make a claim.
Our service is fast and to the point. We get results. We know how to strategically move the process along, while negotiating on our clients’ behalf toward the best possible outcome — the maximum settlement available.
The earlier a public adjuster is brought into the process, the better the opportunity to help you obtain a more favorable claim settlement. As soon as you engage our team, we swing into action on your behalf. And we support you throughout the entire claim process to achieve the maximum insurance recovery.
For a free inspection and claim consultation, please contact us at any of our convenient Florida locations:
2255 Glades Road
Boca Raton, Florida 33431
Phone: (954) 914-5454
1 SE Ocean Blvd
Stuart, Florida 34994
Phone: (772) 291-1903
9160 Forum Corporate Parkway
Fort Myers, Florida 33905
Phone: (239) 299-4050
12161 Ken Adams Way
Wellington, Florida 33414
Phone: (561) 223-6889
601 21st Street
Vero Beach, Florida 32960
Phone: (772) 206-3310