So, you’ve decided to file an insurance claim after a storm has damaged your Minnesota home. Now, you might be wondering what happens next, specifically during the insurance claim adjustment process. This crucial step determines the amount your insurance company will cover for roof repairs or replacements. Here’s a breakdown of what you can expect and how Shelter Construction can assist you in navigating the adjustment process to ensure you get the full compensation you deserve.
1. Preparing for the Insurance Claim Adjuster’s Inspection
After submitting your insurance claim, the next step is scheduling an inspection with your insurance adjuster. This adjuster is responsible for inspecting the storm damage to your roof and other affected areas to determine how much your insurance policy will cover.
How to Prepare for the Adjuster’s Visit:
- Document the Damage: Before the adjuster arrives, take clear photos of any visible damage to your roof, siding, or windows. This will support your insurance claim and provide a visual record in case of discrepancies.
- Hire a Professional Contractor: It’s highly recommended to have a professional roofing contractor, like Shelter Construction, present during the inspection. We can help identify all the damage the adjuster needs to note, ensuring nothing is missed during the process.
2. What Happens During the Insurance Claim Adjustment?
On the day of the inspection, the insurance claim adjuster will visit your property to assess the damage firsthand. This is the most important part of the claim process because their findings will directly influence how much the insurance company will cover.
Here’s what typically happens during an insurance claim adjustment:
- Roof Inspection: The adjuster will inspect your roof for any signs of storm damage, such as missing shingles, hail dents, or water intrusion. They will likely take measurements and photos to document the extent of the damage.
- Interior Damage Check: If you experienced roof leaks, the adjuster may also check your attic or ceilings for moisture damage, mold, or insulation issues.
Shelter Construction’s Role During the Inspection:
- Identifying Hidden Damage: Shelter Construction can spot hidden issues that adjusters might miss, such as structural damage or areas prone to future leaks. Having us there ensures a thorough inspection, improving your chances of a successful insurance claim.
- Providing Supporting Evidence: We’ll provide our own photos and detailed documentation of the damage to support the adjuster’s findings, ensuring that everything is accounted for in your insurance claim.
3. The Adjuster’s Report and Its Impact on Your Insurance Claim
Once the adjuster completes the inspection, they will compile a report that outlines their findings. This report is critical because it will determine how much your insurance company will pay to repair or replace your roof.
What’s Included in the Adjuster’s Report:
- Scope of Damage: The adjuster will detail the damage they observed, including whether your roof needs repairs or a full replacement.
- Cost Estimates: The report will include an estimated cost of repairs or replacement, which will be used by the insurance company to determine how much they will cover for your insurance claim.
How Shelter Construction Ensures You Get the Best Outcome:
- Verifying the Report: After the inspection, Shelter Construction will review the adjuster’s report to ensure it matches our own findings. If any damage is underestimated or missed, we’ll work with the insurance company to adjust the report.
- Advocating for Full Coverage: We have experience negotiating with insurance companies and will fight to ensure your claim covers all necessary repairs, not just minimal fixes.
4. Handling Discrepancies in Your Insurance Claim
It’s common for there to be discrepancies between what a homeowner and the adjuster believe is necessary for repairs. If the insurance claim payout is lower than expected, don’t worry—Shelter Construction can help resolve this.
What Happens if There’s a Discrepancy:
- Filing a Supplemental Insurance Claim: If the initial payout is insufficient, Shelter Construction will help you file a supplemental claim. This involves providing additional evidence to support the need for more repairs or a full roof replacement.
- Negotiating with Your Insurance Company: Shelter Construction works directly with your insurance company to ensure all storm damage is accounted for, increasing the likelihood of full compensation for your claim.
5. Final Steps After Your Insurance Claim Adjustment
Once your claim is approved and the funds are released, the next step is to start the roof repair or replacement process. Shelter Construction will handle all the work from here, ensuring your home is restored as quickly as possible.
Next Steps After the Insurance Claim Adjustment:
- Scheduling Repairs: Shelter Construction will schedule the necessary repairs at a time that works for you. Whether it’s a simple repair or a full roof replacement, we use high-quality materials designed to withstand Minnesota’s harsh weather conditions.
- Final Inspection: After the work is completed, we’ll perform a final walkthrough to ensure everything meets your expectations and the project is finished to our high standards.
6. Why Shelter Construction Is the Best Choice for Your Insurance Claim Process
Navigating an insurance claim for storm damage can be complicated, but Shelter Construction is here to make it easier. Our team has years of experience helping homeowners through the insurance claim process, ensuring they receive the full compensation they deserve.
Why Work with Shelter Construction on Your Insurance Claim?
- Expert Representation: Shelter Construction knows how to deal with insurance companies and adjusters to ensure your claim is handled properly from start to finish.
- Comprehensive Support: We’re with you through the entire process, from the initial damage inspection to the final roof repairs. Our goal is to make sure your insurance claim covers all necessary repairs.
- High-Quality Workmanship: We use durable, weather-resistant materials to repair or replace your roof, ensuring your home is protected against future storms.
Turn to the Pros at Shelter Construction
Filing an insurance claim after a storm can feel overwhelming, but with Shelter Construction by your side, the process becomes much smoother. From advocating during the insurance claim adjustment to handling the repairs, we’ve got you covered. Call us at 612-284-6985 or contact us today on our website!.