Our Experts Help You Through The Storm Insurance Claim Process In Houston, TX
Simple. Streamlined. Designed To Help YOU Get The Best
Insurance Claim Possible.
Our knowledge with handling insurance claims is such an added value for our clients that we have a dedicated process for it. And while it’s very similar to our proven roof and siding replacement process already in place, it features a vital difference. And that’s to actually understand exactly what your insurance covers and to then assess your roofing damage from a roofing perspective with decades-long experience.
We highlight “understand” for good reason—many roofers are so eager to “get the sale” that they completely skip out on understanding what’s truly best for you. For instance, they might push you to file a claim when you don’t need one! This, of course, can increase your premiums, causing escalated insurance costs for the foreseeable future.
At Brinkmann Quality Roofing, we don’t play those games. We call it like it is, and get EVERY party their fair slice. Mostly, we check, double-check, and add over half a century of roofing expertise to every damage assessment.
And it all starts with our insurance process.
What Our Insurance Claim Process Looks Like
Roofing insurance claims (especially in storm-heavy Houston) can be overwhelming. So let’s take it step by step to get you the best claim possible.
1) Understanding Your Insurance Coverage
We start by thoroughly reviewing your insurance policy. Our goal is to demystify your coverage, helping you understand your deductible and the specific terms of your policy. This foundational step sets the stage for a smooth claims process, eliminating surprises down the line.
After we determine you have roofing damage, here’s what happens:
- We determine your deductible.
- We identify what type of coverage you have – either “replacement cost coverage,” or “actual cash value coverage.”
These two questions will determine the mechanics of the claims process and whether it is worth filing an insurance claim.
If you don’t have the money to pay your deductible, don’t file a claim.
If the cost of repairs is less than your deductible, don’t file a claim.
If you have a high deductible and an Actual Cash Value policy and your roof is older than 10 years, you may not want to file a claim.
Our experienced team of roofing claims specialists will assist you in evaluating what is best for YOU… and NOT the insurance carrier or roofer (even if we aren’t your roofer yet!).
2) Detailed Damage Assessment
After a storm, our team conducts a meticulous inspection of your property. We identify all damaged areas with photo documentation, measurements, and precise diagrams of affected areas, ensuring nothing is overlooked. This detailed assessment informs our strategy for effective, targeted repairs.
3) Emergency Protection Measures
We take swift action with emergency measures like tarping and boarding up exposed areas. This critical step protects your home or business from additional harm and immediately prevents further damage.
Your insurance policy contains language requiring an insurer to take reasonable measures to minimize additional damages. The cost of the emergency repairs will become part of the overall claim.
4) Meticulous Repair Planning
Following the initial emergency response, we craft a detailed repair plan. This includes selecting the best materials (that have THE best warranties) and methods to ensure robust, long-lasting repairs. We tailor our approach to address the unique challenges posed by Houston’s harsh weather conditions.
5) Successful Claim Assistance
We assist you throughout the claims process, ensuring your documentation accurately reflects the extent of the damage and the necessary repairs. Our expertise in insurance language and protocols – using tools like Xactimate – helps secure the money needed to return your property to pre-loss condition.
6) Perfect Repair Execution
Our skilled technicians execute the repairs with the highest standards of quality. We use premium materials with industry-leading warranties and proven techniques to restore your property efficiently and effectively, ensuring durability and resilience against future storms.
7) Final Inspection Quality Control Guarantee
After completing the repairs, we conduct a final inspection to confirm that every aspect meets our rigorous quality standards. We then provide ongoing support to address any concerns and ensure your complete satisfaction.
Do You Offer Insurance Assistance For
Non-Storm Related Roofing & Siding Services?
While our process is optimized for storm-related damage, this does not change the fact that we provide damage assessments for any roofing or siding project.
So whether you’re looking to replace your home’s roof or your business’s roof in Houston, we are here to assist in evaluating your roofing needs – insurance related or not.
More Than 50 Years Of Houston Roofing & Siding
Experience Is One Call Away
Get Your FREE Inspection Today!
If you need roofing or siding for your Houston residential or commercial property from a roofing authority with over 150,000 successful jobs completed, contact Brinkmann Quality Roofing Services for a free inspection.
