Living in the Ohio Valley means being prepared for the extreme weather conditions that can occur throughout the year. From hot summers to cold winters, this region often experiences storms with heavy winds, lightning, and hail that can cause significant damage to homes and businesses. To protect your property from such weather events, it is crucial to have the right roofing products installed, as they play a vital role in safeguarding your investment.
However, even with the best roofing system, there is always a chance that severe weather can cause damage. That's why it is essential to have a reliable insurance policy that will cover you when you need it most. When selecting an insurance carrier, it's crucial to do thorough research, especially when considering larger companies that might prioritize customer acquisition over customer retention. Look for a company that values its customers and is committed to taking care of them during difficult times.
When it comes to insurance policies, there are two primary types to consider: Actual Cash Value (ACV) and Replacement Cost Value (RCV). An ACV policy covers the cost of your contents based on their depreciated or current value, while an RCV policy covers the complete replacement cost of your contents. It is important to ensure that your policy covers everything you need, including code upgrades. Code upgrades ensure that any necessary upgrades to bring your property up to code requirements will be covered in the event of a claim.
In the unfortunate event that your property is damaged during a storm, it is crucial to call in the experts. At American Roofing Technologies, we stay up to date on all IRC Code book changes through regular seminars to ensure that we can provide the best service possible. When you contact us, we will send one of our HAAG Certified Inspectors to assess the damage and take measures to prevent further damage by drying in your home or business. We will work directly with your insurance company and add ourselves as a spokesperson to the claim, enabling us to provide the necessary photos and supplements to facilitate a smooth and stress-free claims process.
Understanding your insurance deductible is also critical when it comes to filing a claim. Deductibles can range from $500 to $5000, and it is important to know whether your deductible is percentage-based or set. Keep in mind that you, as the homeowner, are responsible for paying your deductible. Once the claim is filed, an insurance adjuster will visit your property to estimate the damages, and our roofing professionals will meet with them to ensure that all necessary repairs are covered.
The adjuster will prepare a coverage summary that outlines what is covered in your claim. However, if there are any disputes or discrepancies, we may request a second adjustment or engineer to come on-site to assess the damage. If the specific materials needed for repairs are not available or do not match, the insurance company may pay for an ITEL report to ensure that the color and brand of the product match your existing roofing.
Once the work is completed, any necessary supplements will be charged. It's worth noting that for claims exceeding $5,000, your mortgage company will be included on the check to protect their interests. Both the homeowner and the lender will need to endorse the check to receive payment. It is important to be aware that initial claims may be denied, with the adjuster only covering a minimum roof repair that does not meet your deductible. At American Roofing Technologies, we will advocate for you and fight to get your roof replacement approved, ensuring that you are fully covered for any storm damage.
As your local roofing company, we take great pride in serving Cincinnati, Ohio, and the surrounding areas, including Lebanon and Loveland. Let us take care of your insurance roofing needs and provide you with peace of mind during the most challenging times. Trust American Roofing Technologies to handle your roof repairs or replacements, ensuring that you receive the support and coverage you deserve.
Check out some of the roof replacement and roof repair jobs we have gotten approved by insurance!