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Insurance Claims


1. Filing a claim without consulting a professional to assess the damage first.

Sometimes the damage is less than your deductible. You will know when your professional does an assessment. You may not have any damage at all.

2. Have your insurance adjuster assess the damage before you hire a professional. The insurance adjuster works for the insurance company. Their job is to save the insurance company money. Period! The best thing to do is to hire a professional to represent you when the insurance adjuster comes. Your professional will want a signed contract before the adjuster comes ensuring that if they get everything bought by the insurance adjuster that you will let them do the work. Your professional will be very helpful in making sure that you receive all the money you have coming & will have your best interest in mind. Besides they know the industry better than you do in most cases.

3. Get 3 or more bids. With an insurance claim all you will have to pay is your deductible unless you want to upgrade something. The insurance company & your professional will work out the details as far as payment is concerned. Insurance companies have scammed the public for years telling them they need 3 estimates. Read your policy. You can choose whoever you want. Fact is by getting estimates it is designed to save the insurance company money & usually you get a poor job. Who cares what the bid is? All you pay is your deductible, period.

4. Trying to make money off of your claim. If you are bidding out your insurance claim to try & make money then you are committing insurance fraud. This is a Federal offense. If your professional goes along with it then they should never be hired in the first place not to mention they’ll be sitting in the cell next to you. Your professional & the adjuster will work out the amount to be paid to the professional. All you pay is your deductible unless you want to upgrade something.

5. Being afraid to have a different adjuster back out to assess the damage if the first adjuster said you didn’t have enough damage. This is called a re-adjust. Many times people will have the adjuster come out to assess the damage without hiring a professional to represent them on the first adjustment. Many times the adjuster will say you have no damage when in reality you have a lot of damage. Why? A lot of adjusters lie to save the insurance companies money. HELLO! And some adjusters have no idea what they are doing. It is always a great idea to have a professional assess the damage if your first adjustment didn’t go well for you. If your professional says you have damage & are willing to meet with the second adjuster, then sign an insurance contract with them that says if they can get the insurance company to pay for your loss that you will hire them to do the work. If the second adjuster says no then your insurance contract will be void & let you out of the contract.

If you’re having problems in getting your claim approved, call Masterpiece Roofing & Painting. We are a Denver roofing company that specializes in helping homeowners process their insurance claims.