What Is An Insurance Claim?

An insurance claim for damage to a home or building is a formal request to your insurance company for financial compensation to cover losses resulting from covered perils. These perils can include events like storms, fires, floods (if covered), vandalism, or other incidents outlined in your policy.

Most building or home insurance coverage varies from home to home or building to building so it is important to contact your insurance agent with any questions you may have regarding coverage.

Why Hiring The Right Contractor Is Important

One of the most important steps in a claims process is to find and hire the right person for the job. Of course having the right contractor to gaurentee quality work is important but having a contractor that is experienced in the claims process can make all the difference. The number one thing any insurance adjuster will request is documentation. Starting from preventing further damages, all the way to completion and final inspection. At Crystal Peak Roofing we understand this can be a delicate process that's why we have a team of certified inspectors, claims management specialists and storm damage repair professionals. During this stressful and frustrating time we want our homeowners to feel like they not only have a great contractor but also a helping hand during their claims process.

The Claims Process

Claims Adjuster: Your insurer will assign a claims adjuster to assess the damage.

Estimate of Damages: The adjuster will create an estimate of the cost to repair or replace the damaged property. This is just an educated estimate of the damages. There could be hidden damages or items missing from the estimate. Make sure you have a reputable roofing company to assit you in assesing all the damages.

Policy Review: The insurer will review your policy to determine if the damage is covered and what your coverage limits are.

Coverage Determination: The insurer will decide whether to approve or deny your claim.

Payment: If your claim is approved, the insurer will issue a payment, typically less your deductible.

Repairs/Replacement: You can then hire contractors to make the necessary repairs or replacements.

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