If you have an insurance claim and a contractor has come out, they might ask you to sign an insurance agreement before starting the process. This can be confusing, but it's a crucial step in ensuring a smooth roof replacement. In this article, we'll explore why most roofing companies request this agreement and what it means for you.
At Linta Roofing, we always want your consent before we help you through the insurance process. This allows us to communicate with your insurance company, meet with your insurance adjuster, and handle the claims process for you from start to finish.
It’s important to note that your roofer is aligned with your best interest when they help you through an insurance claim. We want to ensure that you receive the highest quality roof possible so your new roof can weather any storm for its entire lifespan. But we won’t do any of these things without your consent.
So, you may be wondering “what am I consenting to?”
Let’s take a look.
What is an Insurance Agreement from a Roofing Contractor?
An insurance agreement is a contract between a contractor and a homeowner. This allows your contractor to work directly with your insurance company on your behalf. I recommend homeowners have a trusted roofing contractor help them through the insurance process because we will streamline communication and act as an advocate to make sure your roof is up to code.
Because we ask you to sign the agreement before we see a denial or approval, it’s important to note that if you hire Linta Roofing and your claim is denied, we would not charge you anything for the extra insurance help given prior to the denial. But even in this circumstance, it is vital to have your informed consent from the very beginning.
Why Do Roofing Companies Require an Insurance Agreement?
Roofing companies require an insurance agreement before starting work due to the significant costs and efforts involved in the insurance claim process. Here’s why:
- Cost and Commitment: Handling insurance claims involves substantial costs, including storm reports, damage estimates using specialized software, adjuster meetings, and detailed inspection reports. Without an agreement, the roofing company risks investing time and resources with no guarantee of getting the job.
- Fixed Homeowner Costs: Homeowners are typically only responsible for their deductible, meaning they don't need to shop around for prices. They can choose a contractor they trust to handle the entire process.
- Professional Expertise: Roofing contractors often work with insurance companies regularly and understand the industry jargon and processes. This expertise ensures that all necessary items are approved, providing a comprehensive roof replacement.
- Alignment of Interests: Both the homeowner and the contractor aim to get the roof approved and replaced. This aligned interest and our knowledge of what’s necessary by code, help us get you the best new roof possible.
Helping You Through the Insurance Claim Process from Start to Finish
An insurance agreement is essential for both the contractor and the homeowner. It ensures that the contractor can confidently invest in the claim process, knowing they have a commitment from the homeowner. For the homeowner, it provides a trusted partner to navigate the complex insurance process, ensuring the best possible outcome for their roof replacement.
At Linta Roofing, we always recommend involving your roofing contractor in the insurance process from the start. Our team is ready to help you through every step, ensuring you get the most out of your insurance claim. At Linta Roofing, our insurance agreements are null and void if our efforts do not end in an approval for your roof. So, you can rest assured you won't get hit with a surprise bill and we won't suggest you start a claim unless we feel confident you have damage that constitutes a total approval of your roof.
Contact us today to discuss your roof replacement options and ensure you receive the best roof possible.
By understanding why your contractor requires an insurance agreement, you can navigate the claim process more confidently and effectively, securing the best results for your home.
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