Smithville Texas Insurance Claims for Hail Damage
christine • March 21, 2018
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Hail Damage to Your Property
ROOFING CLAIMS PROCESS
1:
You suspect you have hail damage & probably want to
file a claim if it is extensive.
2: Call a local roofing company to inspect for hail damage
& to asses if it is extensive enough to get the claim
approved.
3: Call your insurance company to file the claim.
4: The adjuster will call you to tell you when he/she will
be out to inspect the damage.
5: The claim is approved. You will receive the claims
paperwork via email. This details all of the specific
damage that the insurance company is paying to fix.
6: You will receive the first check called ACV (Actual Cash
Value). This is the first of 2 checks. Sign & deposit into
your bank account.
7: Call the local roofing company that you have chosen to
go with. You will be asked to cut a check from your
account for the amount of the 1st check plus your
deductible.
8: The project gets scheduled and all the work is done
exactly as directed by claims paperwork.
9: Upon completion of the project the roofing company
will send documentation and certification of
completion to the insurance company. Thus releasing
the final check (Depreciation).
10: You deposit the last check into your account and then
write a check to the roofing company.
11: Receive a thank you note from the roofing company.
12: Contact your insurance agent and let them know you
have a brand new roof and to endorse your policy to
reflect the new roof. This will often result in a reduced
premium on your homeowners policy.
file a claim if it is extensive.
2: Call a local roofing company to inspect for hail damage
& to asses if it is extensive enough to get the claim
approved.
3: Call your insurance company to file the claim.
4: The adjuster will call you to tell you when he/she will
be out to inspect the damage.
5: The claim is approved. You will receive the claims
paperwork via email. This details all of the specific
damage that the insurance company is paying to fix.
6: You will receive the first check called ACV (Actual Cash
Value). This is the first of 2 checks. Sign & deposit into
your bank account.
7: Call the local roofing company that you have chosen to
go with. You will be asked to cut a check from your
account for the amount of the 1st check plus your
deductible.
8: The project gets scheduled and all the work is done
exactly as directed by claims paperwork.
9: Upon completion of the project the roofing company
will send documentation and certification of
completion to the insurance company. Thus releasing
the final check (Depreciation).
10: You deposit the last check into your account and then
write a check to the roofing company.
11: Receive a thank you note from the roofing company.
12: Contact your insurance agent and let them know you
have a brand new roof and to endorse your policy to
reflect the new roof. This will often result in a reduced
premium on your homeowners policy.
Texas
Department of Insurance Offers a Form to Lower Home Insurance Premiums
After Installation of a Class 4 Shingle / Metal Roof. Note That Some
Insurance Companies Will Install the Discount but Will Also Waive Your
Future Right to Claim "Cosmetic Damage" Such as Hail.
Texas Department of Insurance Roofing Installation / Certification Form
We have a Q & A Section for Roofing Claims here
https://www.austinroofingandconstruction.com/insurance-claims
Texas Department of Insurance Roofing Installation / Certification Form
We have a Q & A Section for Roofing Claims here
https://www.austinroofingandconstruction.com/insurance-claims
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