Many of the large insurance Corporations farm out the insurance claim procedure. The subcontractor is an adjuster and does not work for you the homeowner. He or she works for the insurance Corporation to settle the claim as a 1099 employee. These insurance adjusters are usually inexperienced when it comes to processing or mitigating a claim.

The one the mistake is see homeowners make is requesting estimates from roofing contractors. The insurance company will take these estimates and use them to adjust their prices accordingly. An estimate from the homeowner is not required to mitigate the claim.

Call a local residential roofing contractor to guide you through the process of your insurance claim. The adjuster is employed to do the insurance claim mitigation. His report will have the amount of damage incurred to the property from the storm. The insurance company has the burden of finding and compensating you for any damage that occurred to your home or property.

Insurance adjusters use a program known as Exactimate which helps them to calculate the monetary value and damage that has happened to the insurer’s personal residents or property. Although this is a great piece of software, it is usually the adjuster who makes a mistake with their measurements. This usually results in not enough funds to complete the repairs. The roofing contractor will need to submit a letter of completion to the insurance company showing the additional funds required to complete the repairs.

From the beginning we advised against giving the insurance company an estimate from a contractor. This prevents the insurance company from saying they are not going to give you additional money to complete your repairs due to the inadequacy of the calculation from your contractor. That is why it is so important to let the insurance adjuster complete his assessment so that you may have recourse if the job runs short on materials.

A general contractor who understands the insurance ins and outs can be a very valuable source when mitigating your insurance claim with your adjuster. Stand fast and be bold for many insurance adjusters will try to bully the homeowner into doing what they request. The insurance adjuster and company works for you. Be the boss and make sure that you get every penny of money that you need to complete all of the repairs to your home.