While Texas and Colorado are the states that have the highest rates of hail damage, homes in Indiana aren’t exempt. Hail storms do occur here and can cause significant damage. It’s important to repair Hail Damage in Indianapolis as soon as possible. Otherwise, the damage could get even worse as weakened roofing materials are subjected to strong winds, UV exposure and the freeze-thaw cycle. Insurance companies typically have a limited time during which you can make claims for damaging. If you wait too long, they may not cover the replacement of the roof.
First Steps
The first thing you want to do is contact the insurance company, as they will have to approve the replacement and they will determine how much to pay out to make this happen. The insurance claims adjuster will want to inspect the roof. In some cases, this can be done in conjunction with an inspection from the contractor you’re thinking of using for the replacement.
Find a Reputable Roofing Contractor
There are some companies out there that are considered storm chasers. Don’t sign anything up front before talking with the insurance company. Look for a contractor that is local, and that has been in business a long time. They should have at least an A- rating with the Better Business Bureau and be able to show proof of workers compensation and general liability insurance. You shouldn’t have to pay to get a proposal or sign anything before you’ve negotiated a contract. Some companies try to get people to sign a document agreeing to let them be your representative with an insurance agency or guaranteeing that you’ll use them for the job or pay a fine.
Pay Nothing Up Front
With an approved insurance claim, there’s no reason you should have to pay anything up front for repairing Hail Damage in Indianapolis. The full balance should be due upon satisfactory completion of the job.
Negotiate
The contractor can’t offer you pricing discounts to get the job, as this could be considered insurance fraud in some states, but you can negotiate to get better materials used or better warranties, for example.
Contact Amos Exteriors Inc for more information. They can handle all of your roofing, siding, painting and gutter needs.
