We can help you determine if you have an insurance claim

Knowing whether you have a potential claim is very important. If the damage is minimal and the insurance company will only cover the repair or won't cover the claim at all, it may make more sense to just pay out-of-pocket. However, if a claim has been filed, that information will likely be added to your CLUE report, which is a five-year history of property-damage claims that could result in a rate increase or affect your ability to buy affordable insurance in the future.

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• Cottonwood Roofing Company claims specialists know what to look for regarding roof damage. We have worked with many insurance adjusters over the years. We'll inspect the damage and offer a recommendation regarding contacting your insurance company.

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• ​We can help even if the insurance adjuster has already made a decision. 

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• It’s best if we can represent you during the initial inspection. However, if your claim was rejected and you think you have a legitimate claim, let us take a look at the damage. If we don’t agree with the adjuster’s investigation, we’ll recommend a second inspection. Rarely will they refuse, but the claim handler may ask for photos of the damage.

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 “I think the recent hail storm may have damaged my roof.

How quickly do I need to get it fixed?

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The good news is that – unless you have a broken skylight or sustained a major breach – you have time to make a researched and informed decision. No one should ever pressure you to “decide today.” Because sun and rain will cause your damaged roof to deteriorate, though, it is important for you to determine if your roof needs replacing and select a reputable contractor to have the work completed within the next six months.

 

(Don’t sacrifice quality for time, but book early. Hail storms can make for a long waiting list with good roof installers.)

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“Will my insurance agency pay to replace my damaged roof?”

 

If you had hail at your home, your roof may be damaged and you’ll need to call your insurance company. They will send someone to inspect your roof. The good news is that – in most cases – homeowner’s insurance does cover hail damage. Proper assessment of damage and a restoration plan by a reputable roofing contractor like Cottonwood Roofing Company can help you obtain insurance coverage.

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“How do I go about selecting the right roofing contractor?” 

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Unfortunately, hailstorms can often be an invitation for unethical and untrained people to enter the roofing business. Here are a few things you should know:

 

• You may be approached by people who are trying to take advantage of you.

• Beware of out-of-state contractors. Storm chasers may jump at the chance to take your money and then leave before the job is done, or not take care of problems they have created.

• Contractors who offer to reimburse you for your deductible, or not charge you for it, could be committing insurance fraud. If you agree, you could be participating in the fraud.

• It’s in your best interest to ask a lot of questions and do your research.

• Ask to see Certificates of Insurance for workers compensation, liability coverage and completed operations coverage. Ask about the product warranty as well as the warranty the contractor offers on their installation work.

• Make sure all the workers are licensed. If not, you may have a cheaper price, but you just took responsibility for the safety of the people who are walking around on your roof. Protect your home from unscrupulous roofers.