In our previous blog, we discussed the importance of depreciation and the necessary documents needed to ensure that your client gets the money that is owed. It was also pointed out that the depreciation time frame varies from one insurance company to another and depends heavily on the policy. What happens if roofers or general contractors can meet the deadline? Let’s Discuss It is not a secret for roofers and general contractors how complex and time-consuming the insurance claims process can be. One common hurdle is doing all the repairs before the deadline set by insurance companies – because not meeting the deadline means compromising the release of the remaining depreciation funds. When this happens, both homeowners and you are faced with the problem of paying expenses out-of-pocket, something that the insurance policy could have covered. Insurance companies know that certain things affect production, such as:
As roofers and general contractors, it becomes your responsibility to help homeowners inform insurance companies about the delays in repairs within the given timeframe. Here is where insurance claim extensions play an important role. What is an Insurance Claim Extension? Insurance Claim Extension is a request made to insurance companies for additional time to complete repairs on a property that has been struck by a covered peril. This ensures that depreciation will still be released even after the deadline. How to Request for an Extension? In general, the process of requesting a claim extension depends on the homeowner’s policy and insurance, and so a thorough review of what the policy states is of great importance to ensure some details that could affect the claim process do not fall into the cracks. Contacting insurance companies in a timely manner and knowing the medium to contact them also plays a crucial role in requesting for extension to ensure that your customer is paid for what they are owed. Our team at Claim Supplement Pro conducted research in April 2024 to gather information about the common process of claim extensions across various insurance companies. It is important to note that the data shared here is subject to change over time and is generalized. It may not specifically apply to your insured’s policy. Reviewing what the policy states or checking in with the claim adjuster for additional information needed in requesting an extension or if an extension could be granted is still necessary. Rest assured that we will keep you updated through our blog posts for any important changes The table below shows the process for requesting a claim extension from some insurance companies.
As the table suggests some insurance companies do not allow extension at all. While some do, the process can be tedious and it certainly takes some of your time away from doing what you have to to complete repairs. How Can Claim Supplement Pro Help? Here at Claim Supplement Pro, our team of experts aims to help you with every step of the insurance claims process, from claims supplements to requesting extensions. Our experienced professionals can assist you in: 1. Understanding your client’s insurance policy: We can walk you through your policy and explain the extension process. 2. Documenting your request: We can assist you in organizing your documents, and making sure that everything needed is in file. 3. Negotiating with insurance companies: Negotiating is possibly the most time-consuming and energy-draining phase in the claims process - with Claim Supplement Pro by your side you can be certain that your time will be committed in restoring your homeowner’s humble abode to its former glory. Do not let a tight deadline stop you from giving a top-quality repair job. Let us be your partner in handling claim insurance drama, contact Claim Supplement Pro today and find out how you can push the boundaries of your business and deliver exceptional customer service eventually becoming a go-to brand for your target audience!
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Contractors Can Help Customers To Be Prepared For Storm Emergencies
When Mother Nature throws tantrums, it is never a simple drizzle, it is most often a roof-ripping, side-battering, and construction-shaking chaos. As a storm restoration contractor, you can be a hero to your customers by guiding them how to be prepared for storm emergencies, and reassure them that you will be there for them when storm damage is inevitable. In this guide, we'll explore comprehensive strategies to help educate customers for storm emergencies, safeguard their property, and mitigate potential damage. Create a Comprehensive Plan:
In conclusion, preparing for storm emergencies is critical for homeowners, roofers, and storm restoration companies. Having a concrete emergency plan, ensuring the structural integrity of the house, and securing materials that can cause potential damage during a storm are key steps in weathering any storm. When bad storms lead to property damage and insurance claims, Claim Supplement Pro is here to help your company navigate the process and help you to be that knight in shining armor for your customers. Contact us today so we can hear about your awesome business and how we can help. Understanding Depreciation and Its Impact on Your Claim When disaster hits, understanding your homeowner’s insurance policy’s particulars becomes a priority. One often overlooked aspect is depreciation. Insurance policies vary greatly, so always check with your agent or adjuster to explain the specifics of depreciation for your policy. But, it can help to grasp what depreciation is, generally speaking. What is a simple definition of Depreciation? Depreciation means that over time, the value of fixed assets goes down. This happens because assets lose value as time passes and they become outdated. Depreciation keeps happening until the assets are no longer in use. What is the importance of Depreciation? With Replacement Cost Value insurance policies, the recoverable depreciation amount allows homeowners to replace damaged or destroyed items or materials with the same quality, at their current prices, without a reduction for depreciation. Depreciation Deadlines Many carriers will pay the actual cash value of the claim upfront in order for work to begin, and then hold back the remaining recoverable depreciation amount, until the work is completed. However, it is important to know that home insurance policies have deadlines for claim filing and completing repairs in order for the recoverable depreciation payment to be released. The deadlines vary greatly depending on the homeowner’s policy and insurance. Some companies may make deadline extensions under special circumstances, but some will not. It helps to have an overview of what the different insurance companies generally will do. Stay Informed! To better help our general contractors and roofers, the Claim Supplement Pro team conducted research in April 2024, to gather the information shared here. We'll keep our database continually updated, as well as our blog, for any important changes that we find over time. With this current data, the insurance carriers that we spoke with confirmed their common depreciation timeframe and the requirements they need before releasing depreciation. Please take note that the information presented here is general, and may not apply specifically to your customer's policy. Always review what is stated in a policy. It can even vary within the same insurance company, so always check the policy or directly with the claim adjuster to be certain when a deadline date is set. The table below provides a breakdown of depreciation deadlines for some insurances that cater to homeowners in Illinois.
In conclusion, depreciation timeframe differs from one insurance to another, thus paying close attention is necessary. If depreciation deadlines are missed, a large amount of money could be lost that should go towards paying for repairs. When that happens, it unfortunately leaves homeowners and contractors in a very difficult situation of figuring out how the repairs will be fully paid for. With the information above, it is still essential for contractors to actively communicate with their insured customers and the insurance adjusters. Keep detailed documentation of everything, especially communications, and act promptly.
Claim Supplement Pro: Your Partner in the Process Dealing with these deadlines and requirements can be laborious. Also, in our experience, many folks just simply overlook impending deadlines or do not know about the consequences of missing them. Claim Supplement Pro can help! Our goal is to provide solutions for streamlining your supplement process, including informing our partners about impending deadlines so that no funds owed on a claim get lost. Let's Discuss!
Stay Tuned! We have much more to cover on this topic, including an upcoming post about how to request an extension on a depreciation deadline. We hope you find Claim Supplement Pro blog posts like this helpful for you to be more informed about dealing with insurance claims. To take things to the next level and deliver top-notch service to your customers, contact us today to find out how we can help your storm restoration business grow. Have you ever experienced that sinking feeling when you discover water seeping into your home from unexpected places? It's like your house is playing hide-and-seek with leaks, leaving you puzzled. But what if I told you that the culprit might be hiding right above your heads, disguised as innocent hail damage?
Yep, you heard it here first—those tiny, icy invaders from the sky could be wreaking havoc on your roof without you even realizing it. But don't worry, because we're about to tell you about it and equip you with the knowledge you need to combat sneaky leaks. Imagine this: a storm rolls through your neighborhood, and suddenly your roof becomes the target of a hailstorm bombardment. While you're cozy inside, your roof is getting beat. Those seemingly harmless hailstones can actually pack quite a punch, leaving behind dents, cracks, and bruises on your roof's surface. (See previous blog posts about hail damages on damages on shingles, gutters, and siding) But here's the kicker: those seemingly innocuous bruises can create tiny entry points for water to infiltrate your home. It's like giving a secret password to leaks, mold, and all sorts of unwanted houseguests. So, how do you know if your roof has fallen victim to the stealthy tactics of hail damage? Keep your detective hat handy and look out for these clues:
First off, don't attempt to tackle this challenge solo like a DIY superhero. Call in the professionals—those roof whisperers who can assess the damage and come up with a plan of action. Claim Supplement Pro works with fantastic roofers and general contractors that can do a thorough inspection for you. Depending on the extent of the damage, repairs might range from simple shingle replacements to more extensive roof restoration projects. Remember, investing in your roof's health now can save you from a deluge of headaches (and water) down the road. So, the next time you hear the pitter-patter of raindrops inside your home, don't just blame it on a leaky faucet or your overly enthusiastic plant watering routine. Consider the possibility that hail damage might be the sneaky culprit hiding above your heads. Stay dry, stay informed, and may your roofs be forever hail-resistant! If your contractor needs help navigating your insurance claim, feel free to suggest Claim Supplement Pro as a resource that can help. Hey there, storm restoration warriors! Ever find yourself in a roofing maze when it comes to insurance claims and roof inspections? Fear not! Here at Claim Supplement Pro, we're your trusty guides through the wild world of roof coverings. From shingles to tiles and everything in between, we've got you covered for supplementing any type of roofing, including getting partial repairs to full roof approvals.
So, let’s dive into the nitty-gritty of roofing materials, uncovering their secrets, and quirks. Rolled Roofing: as one of the most affordable roofing materials available, it is a budget-friendly option for homeowners with a tight budget who need to replace or repair their roof. Due to its versatility, it can be used on low-slope roofs, sheds, garages, porches, and other small structures. It can also be used as a temporary roofing solution or as an underlayment for other roofing materials.
Built-up Roofing (BUR): known for its durability and longevity. Its multiple layers of roofing felt alternated with layers of asphalt or coal tar making it strong and resilient against harsh weather conditions. Its layers also act as a waterproof barrier that effectively protects the underlying structure from water infiltration.
Membrane Roofing: due to its excellent waterproofing capabilities, membrane roofing makes an ideal roofing material for flat or low-slope roofs where water pooling and leaks are common problems. The materials used to make it such as EPDM (ethylene propylene diene monomer), TPO (thermoplastic polyolefin), PVC (polyvinyl chloride), and modified bitumen make it withstand exposure to UV radiation, extreme temperatures, and other environmental factors.
Asphalt Shingles: also known as composition shingles are a type of roofing material commonly used in residential construction. They are one of the most affordable roofing materials available making them the first choice for homeowners on a budget.
Common Variants: 1. Three-tab Shingles are the traditional, most common type of asphalt shingles. They have a flat appearance with three equally spaced tabs along the bottom edge, giving them a uniform look when installed. Pros:
2. Architectural Shingles (laminated shingles) are designed to imitate the appearance of cedar shakes or natural slate tiles. Due to their thicker and more textured, layered look, they give the roof a more dimensional and visually appealing look. Pros:
Metal Roofing: is a type of roofing material made from metal pieces or tiles. Its durability helps it withstand extreme weather conditions, including heavy rain, snow, hail, high winds, and UV radiation. Moreover, it doesn’t crack or shrink over time ensuring reliable protection for the building’s interior for a long time.
Common Variants: 1. Aluminum Roofing: because of its lightweight characteristics, it reduces the stress on the building’s structure making it easy and faster to install. It is also highly recyclable reducing its environmental impact. Pros:
2. Copper Roofing: although the initial cost of copper roofing is typically much higher than other metal roofing materials, its aesthetic appeal, durability, longevity, and low maintenance requirements increase the value of the property over time. Pros:
3. Zinc Roofing: Over time zinc roofing will patina thus giving it self-healing properties should it be scratched or damaged making it easy to maintain. Moreover, its durability makes it a suitable roofing material for various climates and environments. Pros:
4. Steel Roofing: it’s possibly one of the most versatile roofing materials, as it comes in various profiles including standing seam panels, shingles, and tiles allowing homeowners to choose what style would best complement their home’s architectural design and personal preference. Its durability also ensures that the building is protected from harsh weather conditions. Pros:
Wood Shakes/Shingles: timeless and rustic in appearance, wood shakes/ shingles add warmth, charm, and character to one’s home. Its natural aesthetic blends well with natural surroundings and it complements a wide range of architectural designs. It also provides natural insulation reducing heating and cooling costs.
Rubber Roofing: also known as ethylene propylene diene monomer (EPDM) roofing is resistant to UV radiation. Its high durability and waterproofing capabilities prevent water infiltration and protect the building’s interior from moisture damage.
Concrete Tiles: offer excellent durability and resistance to UV radiation, making them ideal for regions with strong sunlight exposure. Additionally, concrete tiles are heavy, providing good insulation, helping regulate indoor temperatures, and reducing energy costs in warm climates.
Slate Roofing: is a premium roofing option known for its elegance that adds prestige, character, and curb appeal to any building. Its durability and longevity make it most suitable for regions with a wide range of climates because of its exceptional resistance to extreme weather conditions
Composite Shingles: also known as synthetic shingles imitate the appearance of slate or wood shake making it an affordable option for homeowners who want to add aesthetic appeal to their abode. Their lightweight characteristic also makes installation easy, reducing labor costs and installation time.
Clay Tiles: renowned for their durability and longevity, they are one of the most long-lasting roofing materials available. They are also fire, insect, and rot-resistant. Moreover, their high resistance to moisture absorption helps in preventing water infiltration and moisture-related issues like rot, mildew, and mold.
Solar Shingles: also known as photovoltaic (PV) shingles are a cutting-edge roofing solution that harnesses solar energy. They offer the added benefit of generating electricity, which can offset energy costs over time.
When it comes to insurance claims for roof damage, trust Claim Supplement Pro to help you handle the complexities of claim estimates and management of the supplement process. Our team of experts specializes in assisting roofers and general contractors with insurance claims, ensuring your customers are rightly made whole again after storm damage. Contact Claim Supplement Pro today – your partner in navigating insurance claims with confidence. Hey there, fellow roofing aficionados! Today, we're diving into a topic that's as common as it is annoying: hail damage to gutters. But don't sweat, because we've got you! Let’s unravel the mysteries of hail damage, share some insider tips, and maybe have a little fun along the way. Let's roll up our sleeves and get into it! The Hailstorm Chronicles: Ever been caught in a hailstorm? It's like nature's way of saying, "Hey, I can be pretty rough sometimes." Gutters often take hits during these storms, with hailstones leaving behind a trail of dents and dings. It's like they're trying to give our gutters a makeover—just not the kind we asked for! You might notice the gutters looking like they've been in a fight, with dents and dimples covering their surface like crates on the moon. But don't worry, we'll help them bounce back. Deciphering the Signs: Spotting hail damage is like playing detective: After a hail storm passes, look out for telltale dents and dimples on your gutters and downspouts. They're like little signatures left behind by hailstones. If you spot any dents, cracks or fractures, well, you've got some fixing to do. The Functionality Fallout: Hail damage isn't just about looks; it can mess with your gutter's functionality too. Those dents and dings might seem harmless, but they can disrupt the flow of water, leading to clogs and overflows. Clogged gutters can lead to water overflow, which can cause all sorts of issues for your roof, siding, and foundation. Plus, all that standing water is like an open invitation for mold to come and party. Not cool, at all! It's like trying to pour water through a straw with a bunch of holes in it – not exactly efficient. That's what happens when your gutters get damaged by hail. They can't do their job properly, and water ends up where it shouldn't be. Rising to the Occasion: When it comes to tackling gutter hail damage, having a game plan is key. Partnering with Claim Supplement Pro means you've got a trusty sidekick in your corner to navigate insurance claims, and work with adjusters to get to agreement on repairs needed to gutters and downspouts. With our expertise and know-how, we can manage the claim supplement process to get gutters back into fighting shape, and help contractors to be heroes for their customers. So, roofing pros, armed with this knowledge, and with Claim Supplement Pro as your buddy, you’ll be ready to take on the world of hail damage like a boss. Reach out to Claim Supplement Pro if you need a hand. Together, we'll keep those gutters flowing and roofs in tip-top shape. Hi there, contractors and roofers! Are you ready to take your business to the next level? Today, we're going deep into a topic that's not just important – it's essential for your success: discussing claims supplements with homeowners. It might not sound like the most exciting topic, but trust me, it's the secret recipe to establishing strong relationships and increasing your bottom line. So, tighten your tool belt, and let's get started!
Getting the Ball Rolling: Building Trust and Utilizing Transparency As contractors and roofers, you are the first team that homeowners turn to when they have disaster hits but by discussing claims supplements with your clients, you are not just fixing roofs – you're building trust. Use transparency to your advantage, and when homeowners know they can count on you to navigate the know-how of supplements, you become their go-to partner in times of need. Uncovering the Secret: Understanding Coverage Sometimes insurance policies can be as clear as day or as murky as mud. Not all hope is lost though because you can still save the day! By informing homeowners about supplements, you are helping them understand every detail in their coverage ensuring that they uncover the secret of their policy. Before you know it, they are not just staring into an unfamiliar territory of policy jargon – they are now equipped with the knowledge and understanding to walk side by side with you while traversing into the once unknown. Getting Down to Business: Maximizing Compensation Be the advocate fighting for every dollar your client is entitled to, and that's a role that doesn't go unnoticed. Supplements indeed involve money, but by talking over supplements with homeowners, you are not just helping them rebuild or fix something that was wrecked – you are also assuring them that they will have a more thorough review, and that there is a regular process for getting any necessary adjustments made to accurately cover the scope of the repairs needed. Ensuring a Problem-free Journey: Avoiding Disputes The last thing you want is drama, especially in dealing with insurance claims. By discussing supplements before work even begins, you are laying the foundation for a problem-free journey with your customer – no unpleasant surprises, just a smooth ride. Having the Muscle of Partnership: Claim Supplement Pro Say hello to Claim Supplement Pro – a partner you can trust to navigate the highly detailed and time-consuming work of handling property insurance claim supplements. With Claim Supplement Pro by your side, we can handle the supplement process, while you spend more of your time building stronger relationships with your clients, building your volume, and ultimately, increasing your bottom line. Remember, being proactive with your customers, coupled with a supplementing partner you know you can trust, makes the sky your limit! Contact Claim Supplement Pro today to find out how we can help your storm restoration business. Curious? Buckle up! We're about to talk about everyone's favorite subject: hail damage to siding. But don't worry, we'll make this as easy as a pie – and maybe even a little fun.
What it will look like: Imagine this: your siding taking a beating from hailstones. Look for dents, cracks, or chipped paint that make your siding look like it went for a few rounds with a tiny boxer hailstone. Functionality is a must: It's not just and always about looks—hail damage to your siding can mess with its functionality too. Those dents and cracks that the tiny boxer made will weaken the integrity of your siding, making it more susceptible to moisture infiltration and all sorts of other shenanigans. Now, let's break it down even further: The Look of Hail Damage: Your once pristine and mighty siding might now resemble a battle-scarred warrior protecting your kingdom, with its battle scars of dents and cracks telling tales of its epic showdown with hail. It's like your siding went to a rock concert and got a little too close to the mosh pit—bruised, battered, but still standing. Don't be surprised if your siding starts looking like a connect-the-dots puzzle after a hailstorm—except instead of a pretty picture, you get a constellation or a map of all the places that the hail ice soldiers decided to leave their mark. Effects on Functionality: Think of your siding as the Superman of your home's exterior—it's there to protect against the elements and keep everything safe and cozy inside. But when hail comes knocking, it's like throwing kryptonite. Those dents and cracks weaken its superpowers, leaving your home vulnerable to moisture, pests, and other unwanted guests. So, what's a construction or roofing company to do when faced with hail-damaged siding? Call in the Experts (spoiler alert: it’s us) : Cue the entrance music for us, Claim Supplement Pro! Your trusty sidekick in navigating the murky waters of insurance claims. We're the superheroes of paper works, the champs of reimbursement maximization, and the wizards of helping those repairs done in a whip. With Claim Supplement Pro on your team, you can spend less time stressing about paperwork and more time doing what you do best: building awesome stuff. So, the next time hail comes knocking, you'll be ready to face it head-on, armed with knowledge, humor, and a trusty sidekick named Claim Supplement Pro. Let's show those hailstones who's boss! As roofers/contractors you are intimately aware of the aftermath of severe weather events – moments when homeowners turn to you for help, their roof caved in because of falling trees, or their sidings battered by flying debris. While your ultimate goal is to restore their house to its former glory, understanding your homeowner’s insurance coverage has a significant impact on your interactions with clients that determines the success of your projects.
Getting Down to the Root of Tree Damage and Insurance Coverage Tree damage or flying debris damage is often covered by standard home insurance, especially when it is the outcome of a covered peril including wind storms, hail storms, snow storms, etc. To put it into perspective when strong winds uproot a tree or cause debris to be airborne, or when heavy snow and ice causes a branch of a tree to break and damage a structure your client’s insurance policy will likely cover the cost of repairs and replacements needed due to branches and felled trees. Some policies even cover tree debris removal from the property grounds. However, having in-depth knowledge about the extent of your homeowner’s insurance coverage is essential because exceptions exist. Be Aware of Key Limitations in the Insurance Policy While some home insurance policies go beyond expectations, their scope may have limits. Knowing where the coverage ends can help you avoid unwanted problems and unexpected expenditures.
Using This Knowledge to Your Advantage By being equipped with this information you can help build a good work relationship with clients and unexpected expenditure is mitigated.
In conclusion, being a roofer or general contractor goes beyond restoring your clients’ house in its previous splendor after a tree has fallen or debris become airborne; it also entails helping homeowners get the most out of their insurance policy, with Claim Supplement Pro by your side you can ensure precise evaluations of the damages guaranteeing that they are accounted for while collaborating seamlessly with insurance companies. When hail strikes, and it often does, it's not just the cars in the driveway that suffer—it's also the roofs, especially the shingles. For construction folks, understanding the appearance of hail damage on shingles and its effects on functionality is vital to delivering top-notch projects and results. In this article, let’s explore what hail damage looks like, what it does to your roofing systems, and how construction professionals can mitigate its effects.
Spotting Hail Damage: Hail damage on shingles can be seen in different forms, but there are some common signs to watch out for. Here are a few steps you can do
While hail damage may seem superficial, its consequences extend beyond the surface and you may not even notice it. Here are some of the effects of shingle damage to your home:
After a hailstorm, dealing with the aftermath can be a lot. That's where Claim Supplement Pro comes in. We're pros at handling insurance claims for hail damage, helping construction companies get the most out of their reimbursements and speeding up the restoration process. With our help, construction firms can make the claims process smoother, secure the right funds, and get repairs done on time, all while keeping their clients happy with top-notch service. Conclusion: Hail damage to shingles goes beyond looks—it can seriously affect the durability and lifespan of roofs. Recognizing the signs early and acting fast can save construction companies from expensive fixes and unhappy clients. With Claim Supplement Pro by their side, dealing with hail damage claims becomes easier, freeing up construction pros to focus on what they do best: delivering top-notch projects, hassle-free. |
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April 2024
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