Hail, wind and storm damage are considered an insurance loss on your homeowner’s policy. Most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged. The claim is also considered a natural disaster and does not count against you for future rate increases. Korrect General Contracting specializes in accident and weather related damage repair and replacement; including exterior roofing, gutters, siding, widows; and interior painting, sheet rock, ceiling texture, flooring, and carpet cleaning. We will help you deal with your insurance company and meet with your insurance adjuster to make sure that you are fully covered. Our involvement prevents you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied. With Korrect General Contracting you pay no out-of-pocket expense other than your insurance deductible. We agree to accept what your insurance company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement. You may also benefit from upgrades that we typically offer as signing incentives, such as upgrading the customer from 3-tab shingles to architectural shingles at no additional charge.
- In most cases we will inspect your roof and any other damage first and then advise you whether or not to make a claim. If there is sufficient enough damage to make a claim then you will call your insurance provider and schedule an adjuster to come and evaluate the issue.
- This is a very important step. Once you have established when the adjuster is coming out then let us know immediately so that we can plan to be there to meet with them on your behalf. The adjuster is there on behalf of the insurance provider and they will sometimes minimize the claim because the homeowner is not aware of all of their rights under their coverage. We will make sure that you are fully covered.
- After you receive a copy of the adjuster's summary report (this can take a few days) we ask that you provide us with a copy so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately
- Then we will match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something. This will not hold up the repairs on your roof if that is the case.
- We will fax the signed contract to the insurance company.
- If there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. Most likely there will be several forms to be filled out and notarized. There are many ways to handle this aspect of the claim and we will guide you through the process.