Insurance claims can be hard to navigate alone. All-State Roofing, Inc. is fully qualified to work with insurance companies to satisfy hail damage and wind damage claims. We are a licensed, registered, and certified contractor for Wisconsin. Our estimators are familiar with Homeowner’s Policies, hail damage, wind damage, tornado damage and the requirements each insurance carrier has for roof, siding, windows or gutters to be considered totalled, and therefore replacable. We have established relationships with many insurance adjusters, and have gained their respect.. Fill out the form to the right or give us a call today to handle your insurance claim quickly and with quality craftsmanship.
The protective coating on composition shingles is the granular surface. When hail (3/4″ to 2″) strikes a composition shingle, it damages this protective surface and, in some cases, the asphalt coating, as well as the glass mat. Wood shingles and wood shakes are punctured and or split and metal accessories are dented. Skylights, A/C vents, siding, windows, window beads, and screens are generally damaged as well.
Asphalt shingles are manufactured with a seal tab. This tab can become broken during high winds. The damage that may result could be displaced shingles, seal tabs lifted, and flying debris could gouge the roof surface. If any of these wind effects have occurred, you may be due a complete roof replacement. Let a professional check your roof!
The contract price will be equal to the amount of money allowed by the insurance company. The only time the amount will be greater than that is in the event you want to do some upgrading. We use an independent pricing guideline that provides industry standard “fair market value” pricing for all areas of the United States and is recognized by most insurance companies.
Your total out-of-pocket cost is always known before signing a contract. All-State Roofing, Inc. assumes any pricing risk involved in the installation of your new roof or other repairs. You know exactly what your expense will be. All-State Roofing, Inc. understands the entire insurance process and is willing to work with the insurance company on your behalf. All-State Roofing, Inc. will complete the paperwork for recoverable depreciation, obtain endorsements from mortgage companies on insurance proceed checks, file supplemental claims when necessary, and, most importantly, wait for the insurance company payment. The only deposit required is the actual cash value payment from the insurance company. Once the work is complete, a payment equal to the actual cash value and deductible is due. Final payment is not due until all insurance proceeds have been received by you. All payments are subject to your contract terms. Repairing hail damage or wind damage on your property with equivalent material and quality is required and expected by your insurance carrier and mortgage holder, if applicable. Utilizing the insurance adjustment to define the scope of work insures proper replacement and repair.
The insurance adjustment, along with the contract, defines the scope of the project. When having work done on your home, it is imperative that you know exactly what will be done and how much it will cost. Often, when making repairs to a hail damaged or wind damaged home, other necessary repairs, additional work, and their associated expenses can become apparent after the work has begun. In most cases, when working for insurance proceeds, All-State Roofing, Inc. can contact the insurance company adjuster for supplemental claims. Under this scenario, your out of pocket expense usually will not change.
As we all know, there is always someone who will do it cheaper. All-State Roofing, Inc. does continuous cost information sharing with the insurance companies, and is always aware of current pricing. Insurance companies do continuous research on the ever-changing costs for repair and replacement in order to cover costs fairly and appropriately. The insurance company expects you to use a professional quality contractor that can perform repair and replacement in a timely manner, pay all bills promptly to avoid material and mechanic liens, provide quality communication and service during the process, and, ultimately, warrant all work. Insurance proceeds typically provide sufficient compensation for a professionally managed contractor to provide proper service to its clients.
As most insurance carriers initially pay the actual cash value, recoverable depreciation is only paid up to the actual amount of the contractor’s invoice. Why sacrifice having a quality, conscientious, and professional contractor who will be there when you need him, in order to save the insurance company a few dollars? After hail or wind damage has been confirmed by a professional All-State Roofing, Inc. representative, call your agent and request that an adjuster come to review and estimate the damage alongside an All-State Roofing, Inc. representative.
We are trained professionals and will insist on a fair and complete statement. After our initial meeting, the adjuster will determine a “fair market value” to repair the damage to your home. This value must include the rising cost of labor, materials, and the transfer of materials that will be incurred due to the recent storm activity. All-State Roofing, Inc. will then complete all work on the property loss worksheet for the amount the insurance company allows. All-State Roofing, Inc. will process all checks which require endorsements from your mortgage company. Sit back, relax, and let your professional staff work through the insurance process and re-roofing project with experience and dedication to customer satisfaction.
IMPORTANT: Be sure an All-State Roofing, Inc. representative is on-site when the adjuster makes his/her initial visit.
5 Year express warranty on labor.
Trained crews who will install your new roof to manufacturer specifications; on time and leak free.
Fully staffed office for proper insurance billing, to include itemized invoices and processing for mortgage company endorsements.
Fully insured with workers compensation and general liability coverages.
A trusted name in Southern Wisconsin.
With an insured’s loss, the insurance company will pay up to its settlement figure as long as you provide an invoice under the insurance company’s guidelines. If you choose a company that gives you a low estimate and provides standard work, the insurance company will pay only the amount of the low estimate. If you choose a quality-conscious company that will provide the best roof, using quality materials and up to date roof accessories, the insurance company will pay the final bill, as long as it does not exceed the adjuster’s estimate. In other words, whether you get a cheap roof or a roof with all of the accessories by a quality company, your cost is only your deductible.