Often when damage occurs to a roof it also creates openings that cause considerable water damage to the interior of the home or business. This resulting damage is also covered by insurance but must be minimized to the extent possible by covering the damaged areas with a roof tarp or making temporary repairs to flashing, etc. 

 

Most insurance companies are trying to limit their loss when it comes to roof damage claims and will provide an amount that will repair the damage and not replace the roof. Damage to roofs can seldom be repaired by patching as the roof shingles worn over time are never consistent with new shingles being provided. At TJM Consulting, LLC we seek to obtain coverage for your roof damage claim to ensure that patch work is not done and that your roof repair is complete. First and foremost when roof damage occurs incident to heavy wind and rain or hail we hire a roofer to place a tarp on the roof to ensure against further damage to your home. Not only is this prudent it is required by your insurance policy and must be done to ensure policy conditions are met.

 

Roof damage claims and resulting water damage to homes and businesses are very common and require a skilled adjuster to make sure you are properly reimbursed for what will be necessary to restore your roof and repair all interior damages.  Should you have roof damage do not go it alone as the insurance company will surely attempt to provide you with allowances that will never repair your roof properly. Let us use our expert roofers to determine the type of work necessary to restore your roof properly and to make sure that your claim is handled properly. Let us look over the interior damage to your home or business to make sure all identified damages are covered by your homeowners insurance claim roof damage.

 

Here is what TJM Consulting will do:

 

• Full analysis of your insurance policy and the type of coverage you have (replacement cost or actual cash value coverage). What is covered and what are the exclusions and limitations.

• Make sure all policy requirements are met. You are required to make sure further damage is not encountered by the peril.  Provide necessary contractors, remediation company, plumbers, electricians, roofers, etc. to make sure your property is safe and meeting policy requirements.

• We conduct a complete scope of roof damage and provide a complete detailed estimate to restore the property.

• We conduct a complete estimate of damaged and lost assets and determine how much is covered by insurance.

• We report your claim and followup with company adjusters, in writing, orally, and through various site visits and meetings.

• We meet with insurance company adjusters to identify and document the scope of the physical damage.

• We prepare a complete detailed report identifying the full scope of your loss and present to your insurance company.

• We will negotiate a final settlement of your claim and only accept it upon your approval.

 

The insurance process on roof damage insurance claims can be cumbersome and difficult to navigate. We will expediently process your claim and make sure payment is received quickly. We will make sure that your loss is fully identified to make sure you get every dollar you are entitled too.  A  public adjuster can make all the difference in restoring your building and assets in a timely fashion and returning your life back to normal as soon as possible.