Hail is a real headache and knowing where to start in regard to repairs to your home can be overwhelming. We’ve been involved in this space for many years and know that having an experienced company guide you through the insurance process alleviates stress and ensures that your repairs are completed with confidence. As a preferred contractor of almost all of the insurance companies serving Alberta, we at Epic Roofing and Exteriors have helped thousands of homeowners process their insurance claims and can turn your headache to peace of mind.
The very first thing you want to do when your home has been damaged by wind or hail is to contact your insurance company.
Your insurance adjuster can discuss with you the details of starting a claim and the process moving forward as well as identify specific details related to your policy. Most insurance companies will then send a field adjuster or preferred vendor (like Epic Roofing) to assess the damage. It is important that you have a qualified inspector assess this damage. In the aftermath of a storm, you may have many companies knocking on your door offering their services. By contacting your insurance company first and using a preferred vendor you avoid many unnecessary hassles and frustrations. Legitimate inspectors and adjustors are all HAAG Certified. Simply ask the contractor if they are HAAG certified, and if not - move on to a contractor that is. For more information on HAAG Certification, CLICK HERE
When starting your claim, you should alert your insurance company of damages your home has sustained that could lead to further damage, such as the interior of your house. Blown off shingles, for example, may result in a leaking roof that could cause interior damages. Holes in your skylight will obviously allow water incursion. Your insurance company will advise on how to proceed with these emergency repairs. If overall costs for repairs to your home end up being below your deductible, the charges for emergency repairs may be your responsibility. These minimal expenses are in your best interest and well worth the investment of protecting your home from more significant damages.
Once your adjuster or designated contractor has attended your home, they will provide you with an estimate for repairs and present options in regard to how you can proceed. Before making any decisions, it is important that you have an experienced company like Epic review the approved estimate to ensure that all damages are being properly covered. We are trusted by more insurance companies than any of our competitors and can make sure you understand your estimate. We can also discuss with you, and your adjuster, repairs that may have inadvertently been missed. This attention to detail will ensure that your property is properly restored, which is everyone’s goal.
Next you will need to secure a contractor for repairs. Choosing to work with Epic expedites your repairs and ensures that you are working with qualified professionals with all appropriate certifications, WCB and liability coverages, access to insurance software etc. You will also qualify for any additional warranties that your insurance company may offer as many of them offer strong and additional warranty programs for homeowners choosing the preferred contractor.
We will provide you with an authorization document required to complete repairs to your property. We can meet you at your home or in our showroom to discuss products, colors and upgrade options. Even the smallest upgrade choices can increase the value of your home and may offer increased protection against future storms.
When we have received the signed authorization, the work can be scheduled, and you can rest knowing that your repairs will be completed with care and quality craftsmanship.
You will only be required to pay any appropriate deductible or insurance required depreciation when the job is complete.
We hope you find this guide helpful and look forward to helping you process your repairs with confidence.
When you call your insurance adjuster, ask for Epic Roofing & Exteriors.