- Why does my adjuster say I need several bids?
- The insurance company would like you to complete the hard work for them by finding alternate bids for the work at hand. The insurance company’s main purpose is to cut costs. The cheaper you can find work for them, the less they have to pay out on the replacement project. They cross their fingers that you attempt to be your own general contractor. The insurance is obligated to pay general contractors overhead and profit on a job, but not the property owner. Ultimately, it is much cheaper for them, if you do yourself.
- What makes up my home insurance settlement and is it fair?
- Your settlement consists of all the components that are damaged and need repairs or replacements.
The most common areas covered by insurance companies are:
a) Roofing Systems – Roofing systems are often damaged by wind and hail storms. We’ll determine if you need a full replacement or just a partial replacement. You also need to include smaller components in the roofing system such as flashing, underlayments, plumber jacks, and permits.
b) Siding Systems – Siding systems are often damaged due to hail and wind storms. Vinyl siding typically cracks, whereas metal siding tends to dimple. Both of these are in need of replacement.
c) Gutter Systems – Gutter systems are often damaged from hail storms and tend to chip and dent metal gutters. This lessens the life span of your gutter.
