What is a deductible?
A deductible is the amount deducted from an insured loss. The policyholder is responsible for paying the deductible amount of any insured loss or claim. For example, let’s say that you make an insurance claim and your insurance company writes a loss estimate for repairs of $10,000. You have a deductible of $1,000. When your insurance company releases the funds from the insurance estimate, they will only give you up $9,000 (the $10,000 estimate total minus your $1,000 deductible).
Step 1: Knowing when to make a claim
It’s common in North Texas to experience storms that can cause wind and hail damage to roofs. Before making a claim, it is wise to request an inspection from a qualified roofer to determine if you have enough damage to warrant making a claim. Horizon Roofing II, LLC offers free inspections and estimates to customers. *Add Contact Us today link to request your free inspection.
Step 2: Filing an insurance claim
Once you have determined that you have damage to your roof, you may contact your insurance agent or insurance claims department to file a claim for possibly a new roof. When you file a claim, your insurance company will send out an insurance adjuster to inspect your property for damage. They will take photos and make notes on the damage they find and write up an estimate for repairs. When the estimate is complete, a copy will be provided to you by your insurance company. The estimate is the insurance company’s determination of what it will cost to replace/repair the damaged items on your property. Once you have the insurance estimate in hand, you may move forward with repairs.
Step 3: Selecting a qualified company to make repairs
It’s important to carefully select a company to make repairs on your property. Here are some important factors to consider:
– How long has the company been in business? It is best to select a company that has been in business long enough to have a proven track record with customers. Horizon Roofing has over 30 years experience roofing in the Dallas-Fort Worth Metroplex.
– What type of warranty do they offer? Be sure to ask what type of warranty the company offers. Most roofing companies will follow manufacturer specifications for material warranties and provide you with their own labor warranty. Horizon Roofing offers 3 year workmanship warranties on all new roof installations. If you ever have a warranty issue, we will be there to fix it.
– Are they local to the area? Make sure the company has an office locally. When storms hit, many roofers travel from out of area or even out of state to work storm damage repairs. If you ever have an issue, you want to be sure your roofer will be there to fix it. The Horizon Roofing office is located just outside of Fort Worth, Texas and we service the entire Dallas-Fort Worth area.
– Does the company have general liability insurance? Make sure the company is insured. If something goes wrong on your property, you want to know that your roofer is insured and your property is covered. Horizon Roofing II, LLC carries General Liability Insurance, as well as Workers’ Compensation Insurance for our employees and Auto Insurance on our vehicles.
Step 4: Completing repairs
After the repairs have been completed by a qualified company, you will submit a final bill to your insurance company showing that work is complete. If there are any remaining funds on the estimate, they will be released at that time. The claim will be closed and you will be free to enjoy the peace of mind that comes with having a solid roof.