Why Your Roofing Contractor Should Work With Your Insurance Company – Mother Nature can wreak havoc to your biggest investment, your home. Storm damage due to hail and windstorms are often hidden and out of sight. This allows the initial problem caused by the storm damage to accumulate over time and get worse until one day…. catastrophe strikes.
Roof related storm damage can cause a host of problems. Structural damage can result from the accumulation of moisture to the roof deck and roof framing when the roofing system is compromised. Leaks caused by storm damage can cause losses to your investments and heirlooms inside your home as well as increasing your risk to health related issues caused by mold.
Let’s face it! You are busy with your life and have many family and work matters demanding your attention. The last thing you may need on your agenda is interviewing multiple contractors, selecting contractors and making sure the contractor does the right job at the right price.
Furthermore, you do not have the time or experience to negotiate back and forth with your insurance company and adjuster. Typically, most homeowners do not realize that their home is damaged. If your roof is over 10 years old, or has any warning signs such as buckling, curling, blistering, missing granules, interior or exterior stains, dark “dirty looking” areas, damaged flashings, excessive energy cost or leakage into your attic after a wind-driven rain, then you may already have a problem. It might be time to consider having your roof looked at before serious problems arise.
How Antebellum Works With Your Insurance Company
My name is Kevin Heithcock and I prepare professional insurance type estimates for homes that have been affected by hail and wind storms. I use the same estimating software that 90% of all adjusters use. This keeps it fair! That is the secret!
My company Antebellum Roofworks Co Inc has been in business since 1995. Since then our reputation has always been based on quality workmanship, timely service, fair pricing, and personal care for each project. Our mission statement to you and all those you may represent is to provide 100% customer satisfaction. Superior customer service pays off. In 2017, 98% of our customers said they would be pleased to refer us to their friends and colleagues.
I meet with adjusters and repair storm damaged homes. Just the presence of an informed individual helps get a better result. Two sets of eyes are always better than one. My friendly manner helps put adjusters at ease and I value my method of friendliness and the results that it bears. I treat my clients the same way also.
How do you really know that you have received all the benefits you’re entitled to? I am very successful in converting denied or partial claims into paid ones. A rule of thumb in insurance catastrophe claims is for insurance companies to pay a third, deny a third and ignore a third of their claims. The ones they pay are often underpaid leaving you monies out of pocket to complete a proper job with the correct scope of work and material specifications.
In a storm damage situation where thousands of properties have sustained millions of dollars in damage – all at the same time, the typical retail contractor, who may be the nicest person in the world but does not understand the insurance claims process or insurance law, is usually unable and incapable of properly handling the property owners claims. After your insurance company has sent you a “scope of loss” which explains what damage they are paying for, that scope of loss needs to be audited by an experienced storm damage insurance recovery and restoration contractor like Antebellum Roofworks Co, Inc to make sure the insurance company is paying you for everything.
If this is not done, you may find that you have been drastically underpaid. Because you pay 100% of your insurance premium, your insurance company should pay you for 100% of the damage – not 80% or 50% or even less. Inexperienced retail contractors focus their energies on underbidding each other (giving estimates) rather than getting the property owner paid for all their damage.
If the true cost to repair the damage to your property is, for example, $12,000 and your insurance company only pay’s you $8,000 – and an inexperienced retail contractor agrees to do the work for $7,500, you will find yourself getting an inferior cheap job costing you time and money long after the storm chasers have gone. You also may find yourself having to pay the difference – $4,500 (the $500 you thought you saved plus the additional $4,000 the insurance company didn’t pay you) out of your own pocket.
ANTEBELLUM INSURANCE RESTORATION PROCESS:
An Antebellum Roofworks Co Inc Field Supervisor will conduct an inspection of your home to determine the extent of damage to your roof, siding, gutters, windows, and the interior of your home. We will ask you to call your insurance company to initiate a claim. (Unfortunately, insurance companies do not allow us to do this for you.) Once you have an insurance claim number, our Field Supervisor will contact the Insurance Adjuster assigned to the claim, and on your behalf, we will begin the restoration process.
Our Field Supervisor will meet with the Adjuster and point out all of the damage. We encourage you to be present during the inspection. However, if it is inconvenient to take time off work and you prefer not having to climb up on your roof, your attendance is not required. If the Adjuster agrees with our assessment, we will notify you immediately. If they disagree or refuse to pay for everything we feel you are entitled to receive, we will notify you immediately. We will then request that a different Adjuster re-inspect your home. If they still refuse to pay you what we honestly feel you are entitled to, we can have an Arbitrator completely re-inspect your home. Once again, you are kept apprised on a daily basis.
Once we receive approval from your insurance company, two things will happen simultaneously. The Insurance Adjuster will tell your insurance company to write you a check for at least half the total cost of the project. While you are waiting for your check, you and our Field Supervisor will pick out building materials and colors.
Next, our Field Supervisor will order the materials needed to replace the damaged areas. When the materials are delivered, our Project Manager will do a thorough inspection and make sure that all of the materials are the right colors and that everything is correct. Also, at that time, our Field Supervisor will collect the first check you have received from the insurance company. In the construction industry, it’s called a “Material Drop Check,” because the materials have been dropped at the work site. Once the Material Drop Check has been picked up, our Production Manager will schedule the work to be done on your house and assign the crews.
On they day of construction, our Project Manager will be at your house to meet the crews and get started. Once everything is completed, you and our Field Supervisor will go over the Inspection Checklist together, point by point, to confirm that everything has been completed to your satisfaction. After completion of the work on your home, we will invoice your insurance company for the remainder of the money due for the project. When you receive final payment from your insurance company, our Field Supervisor will come to your house to pick up the check and do a final inspection to make sure you are completely satisfied.
Pledge of Commitment
Antebellum Roofworks Co Inc specializes in insurance restoration work on roofing and gutters. We will assist you throughout the entire insurance restoration process. Once your insurance company has agreed to replace all that you are entitled to receive, we will complete the work quickly and with a high degree of professionalism. Furthermore, and perhaps most importantly, we realize we’re not just working on your house, it’s your home! We will work hard for you, to help you get everything you are entitled to receive.