Storm Damage & Understanding The Insurance Process
Commercial & Residential Storm Damage
Storm damage, including hail and wind, can cause many severe problems to your property. Homeowner’s and business insurance plays a vital role for the property owners that are impacted by the storm damage. At Taylormade Renovations we streamline the claim procedure to make it as simple and quick as possible, which can often times be confusing and difficult for the property owners to understand. We will personally represent the property owner during the entire claim process. Please review the steps below to understand the exact process for filing a claim related to storm damage.
If you have wind, hail, or storm damage we recommend following these steps below to ensure its a smooth process from start to finish. Contact Us today if you would like a free roof inspection.
1.) Meet & Greet and Inspection:
One of our experienced team members will meet with you at your property, and discuss any concerns or questions you may have. We will then perform a thorough inspection of the roof and the immediate area(s) affected by the damage for potentially problematic issues. This may include other areas on the exterior of the home including the siding, windows and gutter system. Once the initial survey is completed, we will explain to you our findings and give you our professional opinion on the potential for a successful insurance claim. If necessary, we will put together all paperwork for your insurance company as well as work with the adjusters.
2.) Filing the Claim
The homeowner/business owner is the only person who can file a claim on their property. Normally this is just a matter of making a phone call to your insurance’s 24-hour claim phone number and relaying the information that we pass along to you. It is your right as a policy holder to file a claim if the damage is warranted. There is no penalty for filing a claim with your insurance company, even if the claim is denied.
3.) Adjuster Meeting
An adjuster will be assigned to your case, and will set up an appointment with you to come assess the damage. It is recommended that you always have representation from a trusted contractor when this meeting takes place. The Taylormade team handles these cases frequently, and will ensure all concerns and problematic areas are discussed with the adjuster. Once a settlement is figured, normally a summary can be expected to be delivered within 7–10 business days. On occasion, a claim may be settled the day of the initial inspection.
4.) Estimate and Agreement
When a claim summary has been completed, your Taylormade representative will review it in its entirety. We will then discuss with you the scope of the work to be completed, and go over any questions or concerns you have regarding what has been approved, or denied on the estimate from the insurance company. The summary gives us the guidelines of the work that has been approved. Pre-determined prices based on the local market analysis are used to come up with the final numbers for a claim. In preparation for the installation process, a presentation of the materials and color selection will be discussed. At this point, Taylormade will collect any deductibles, as well as the initial insurance check.
We will make sure that all personal items are out of the way or protected from potential harm during the roofing process. This includes protecting shrubbery, plants, decks, moving lawn furniture, and/or other items from the immediate vicinity. Our crew strives to maintain a clean and safe work area throughout the project. We will do a thorough clean-up, making use of our nail magnets where needed.
6.) Final Inspection
Upon completion of your project, a Taylormade representative will do a final walk-thru with you. We will answer any questions or concerns about the final product, as well as go over any warranty information and maintenance tips. A Certificate of Completion will then be signed stating the work was done to your satisfaction.
7.) Depreciation/Supplement Checks
Taylormade will take the necessary steps to file for all recoverable depreciation that is present on the initial claim summary. Normally within 7 – 14 days, you will receive the final depreciation check for the work that was completed. On occasion, supplements will be filed by Taylormade Renovations for various items that needed inclusion in the original claim. This will also come with the recoverable depreciation, which is the final payment that will be collected by Taylormade to cover the remaining balance. At that time we will give you a final invoice showing all work has been paid per agreement.
We cover the entire Miami Valley and Tri-State Areas including Dayton, Cincinnati, Monroe, Lebanon, Franklin, Middletown, Springboro, Miamisburg, Germantown, West Carrolton, Centerville, Kettering, Bellbrook, Xenia, Beavercreek, Fairborn, Springfield, Huber Heights, Vandalia, Englewood, Clayton, Trotwood, Eaton, Brookville, Tipp-City, Troy, Piqua and all areas in between!
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For any inquiries, questions or commendations, please call: 937-744-7663 or email email@example.com
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