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Miami Homeowners: Are You Getting What You Should On Your Roof Insurance Claim?
FACT: Your Insurance Company Interests Are NOT The Same As Your Interests
Overview
If your roof has sustained damage from hail, wind, or other storm damage in the Miami area, your homeowner insurance should cover the costs (less your deductible) to restore the roof to where it was before the damage.
At least, that’s how it should work in theory.
In practice, it doesn’t always work out that way.
The basic problem is that your insurance company has an interest in keeping their costs as low as possible (they are a for-profit business, after all). And their biggest costs are paying out claims.
So, it’s just a FACT: your insurance company’s interests and your interests aren’t completely aligned. You want the full and necessary amount to restore your roof to where it was prior to the storm. Your insurance company wants to control costs.
Are we saying that insurance companies are only out to cheat you?
No, that wouldn’t be fair.
But we are saying that you need to go into the process with your eyes wide open.
No matter how much you like your insurance agent, your agent won’t be the claims adjuster. The process is complicated, and the insurance company knows the “ins and outs” of the process a lot better than homeowners.
Benefits Service
What You Need Is A True Professional For YOUR Interests
Filing a roof insurance claim on your own would be a lot like going into a courtroom without a lawyer.
You don’t know the rules, you don’t know the right questions to ask, and the other side is going to use all that to their advantage.
Even worse, this “courtroom” is one where the insurance adjuster also serves as judge and jury, too. If they say, “Claim denied” or “This is the small amount you get,” you have little recourse if you don’t understand how the process works.
The bottom line is that this is a cumbersome, confusing process. You NEED someone to help you.
Miami Roofing Contractors can help you through this process to make sure you get every penny you’re entitled to under the terms of your homeowner’s insurance policy.
For more about why we’re specially qualified to help you through this process, please visit our Roof Insurance Experts page.
We assist Miami homeowners who need help navigating the roof insurance claims process. We do it fairly, legally, and with great attention to detail.
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