Home insurance isn’t something you should take lightly as a homeowner. After all, if your roof incurs storm damage from severe weather, your home insurance is the difference between spending a significant amount and being able to save up. There are some instances, however, where dealing with a home insurance adjuster can get a bit tricky, especially if you think they’re giving you too low an offer.
In this post, 3JM Exteriors, Inc. discusses the do’s and don’ts when it comes to dealing with a home insurance adjuster.
Do: Know You Have the Upper Hand
Buying a home insurance policy from an insurance company is a mutual contract. That means the company has to cover certain kinds of damage. If they refuse to cover damage you know they should, then they’re acting in bad faith and are liable for lawsuits.
Don’t: Sign Any Document From the Adjuster Without Reading the Fine Print
Signing a document can be legally binding. Before doing so, your roofers suggest taking time to read and understand what the adjuster wants you to sign. You might leave yourself vulnerable to losing a significant amount if you sign without understanding the details of the document.
Do: Hire a Roofing Contractor
Some negotiations can go badly if you refuse an offer that you feel is too low. If you refuse their initial offer, the insurance company may flat-out decline your claim or refuse to cover certain provisions. Most roofing companies offer aid in settling insurance claims so it’s best to hire one to make things smoother and easier. 3JM Exteriors, Inc. can help you document any damage to your roof and help you initiate your insurance claim.
Don’t: Settle Too Quickly
The company’s adjuster is not on your side and will try to have you settle for the lowest amount possible. If this is the case, don’t feel pressured to take their offer immediately and instead negotiate until they agree to a more reasonable amount. Upon coming to an agreement, get everything in writing as much as possible so you have written proof of what you’ve agreed upon.
Do: Watch Your Words
What you say may hurt your claim attempts during the negotiation. A single recorded statement may impact the final payout so think over your words carefully beforehand.
If you have plans of sprucing up your home this spring, turn to 3JM Exteriors, Inc. for your home improvement needs. We are your number one provider of roof installation and roof inspection services. Give us a call at (630) 882-2422 or fill out our contact form to learn more about our services and get a free quote. We serve clients in Downers Grove and Naperville, IL, and other nearby areas.