HHR Exteriors’ Guide to the Insurance Process
Many homeowners get overwhelmed by the thought of navigating the confusing process of filing a home insurance claim. When your home has been damaged by a severe weather event, like a hailstorm, your home insurance will likely cover the cost of replacing any damaged exterior features on your home, like the windows, roof, gutters, or siding. Here, you will find HHR Exteriors’ guide to the insurance process for homeowners in the Denver and Front Range, Colorado area. These six steps will show you what to expect when we help you with an insurance claim.
When you first notice damage to your roof, windows, siding, or gutters, you need to consider whether it could have been caused by ice, snow, hail, or falling objects. These are the situations most commonly covered by home insurance policies. Before jumping to any conclusions, you should reach out to our reputable contractors to schedule a damage inspection.
A contractor will come to your home and assess the damage. With our experience, we can help you determine the cause of the damage to your home. At the same time, we will check your entire home’s exterior for any additional damage you may not have noticed yet.
Now, it’s time to file a claim with your insurance company. One of their first steps will involve collecting information. Then, they will set up an appointment with an adjuster who will inspect the damage. It is best if we can schedule a time where HHR Exteriors can be present. We will help explain the damages to the adjuster in a language they can understand.
When the adjuster visits your home, they will often have a procedure they are required to follow. It may even involve an inspection checklist. It is important to make sure the adjuster is aware of all damage. Adjusters frequently fail to notice damage when you don’t have an itemized damage report like the one we provide. Even when you give them an itemized list, it is a good idea to follow along as they visually inspect the damage.
Once your insurance company has time to process your claim and approve it, we can meet again to go over the details of your coverage. You are encouraged to ask any questions about the repairs, payment, and timeline of work. We are well-known for showing up on time and completing work on schedule. So, we can accurately prepare you for what to expect when the work begins.
As soon as you hire us, we’ll get to work fixing the exterior damage to your home. Your insurance provider will send payment to you. So, you will be responsible for paying the insurance check, depreciation, and deductible to your contractor. Afterward, your insurer may request proof that the work was completed. Our team will happily send you any documentation they require.