The Claim Process
To protect your investment, have your roof evaluated for hail damage after the storm. A reputable company will not charge you for this service and will tell you whether filing an insurance claim is warranted or not. If your roof is in good shape, you are out just a little time and have gained valuable peace of mind. If your roof has sustained hail damage, you can easily file a claim with your insurance company with a single phone call.
I often hear concerns from homeowners who worry their rates could go up as the result of a claim. This is simply untrue. Property insurance is heavily regulated by both the federal and state government. In the state of Minnesota, it is illegal for an insurer to raise your individual rate or cancel your policy because of a storm claim (Minnesota reg. 2008.0200). When you call, let your insurance company know if you have already selected a contractor; it is incredibly beneficial for the contractor and the adjuster to meet at the property together.
Regardless of what your insurance company says, you have the right to select the contractor of your choice. Additionally, while you are welcomed to get estimates for your roofing or remodeling project, please realize that you are not required to do so and your insurance company will only pay the lowest estimate – saving them money. You are not given the difference saved, you will still be responsible for the full amount of your deductible pursuant to Minnesota law, and the lower estimate is often the result of corner-cutting involving cheaper labor and products. We see this all of the time as we are often hired to fix the job the previous contractor completed. At Glenn Roofing, we handle insurance claims on a contingency basis, only completing the work that is approved for the amount allowed. If your roof is not approved, you are under no obligation with our company. This process allows us to use the highest quality products, negotiate with the insurance company to mandate that the full scope of your repairs are approved, and ensure that the only out-of-pocket expense will be your deductible alone. We care about your investment and stand behind our work with confidence.