How to negotiate roof repair claims is a fascinating concept. Why does one homeowner get a roof replacement settlement by their insurance company and another next door not? Are certain insurance companies more liberal than other? These are common questions asked in the Minnesota storm season. Here is something to note.
All insurance adjusters are not the same. Some are local staff adjusters, and some are independent national adjusters contracted to adjust claims when local claim adjuster resources are exhausted. The two differ greatly. Generally speaking, local claims adjusters are salaried employees of the insurance company, with a broader license for automotive, fire, property and casualty claims. Local adjusters tend to be more conservative when adjusting damage, and are more likely to pay for repairs than replacement. Conversely, independent adjusters tend to be paid a commission or percentage of the damage they find, and are more liberal in their adjusting decisions. Independent adjusters seem to be more knowledgeable specifically in hail and wind damage identification as their focus.
Unrealistic expectations are another reason for frustration. Do you want to know if you have legitimate hail damage? Are you at a point where you need honest info and a path to follow moving ahead?
Give us a call. You will be rewarded with a professional and polite approach. We call a spade a spade. We will not hesitate to send our staff Haag Engineering Certified Roof Inspector to evaluate your situation if needed, and give you good information about your hail damage situation. Call Berkeshire Exteriors (763) 746-4913