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

Siding damage claims are very common and require a skilled adjuster to make sure you are properly reimbursed for what will be necessary to restore your siding often times needing complete replacement. Should you have siding damage do not go it alone as the insurance company will surely attempt to provide you with allowances that will never repair your siding properly. Let us use our expert contractors to determine the type of work necessary to restore your siding properly and to make sure that your claim is handled properly.

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 siding 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 siding 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.