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  • When I look at my roof, I don’t see any hail damage. What’s all the fuss about?
    Hail Damage can’t be seen very easily most of the time. You usually will never see actual holes or indentations. Hail will drastically shorten the life of your roof. If you have damaged siding, vehicles, or have noticed neighbors getting work done, you can be 99% sure that you will need a new roof and may have other damages also. Hail can damage your roof without any visible signs from the ground Sometimes these damages do not show up quickly or are easily overlooked. The integrity of the shingle may be damaged, do not take a chance on it. If hail is driven by high winds or if it lasts longer than a few minutes, even small-sized hail can cause your roof to suffer severe damage and the loss of their protective granules, which will greatly reduce the life of your roof. Loss of granule layers on the shingle will cause the fiberglass matting to be exposed to the suns UV rays. This will cause serious deterioration of the shingle in a short period of time. Have it inspected, just to be safe. Hail and high winds can cause serious damage to your roof and exterior of your home. An evaluation by a trained roofing specialist can verify the extent of your damages and outline the means by which to get them repaired.
  • Does my insurance company know if I had large hail in my neighborhood?
    Most insurance companies subscribe to different tracking and hail reporting services. These services can track the hail size and the exact location it fell. If you had damaging hail, they already know it. If you had hail in your neighborhood, contact Serenity Roofing & Construction We want to be present when the adjuster comes out to do his/her inspection. It is your legal right to have someone represent you during the inspection. Your adjuster cannot enter your property without your permission. Insist on a firm appointment so that we can schedule the meeting also. If we are not, or was not present during the inspection, you probably will not, or did not receive a full claim. Let us work for you in getting what you deserve. You only have a limited time to make a claim!
  • The Inspection
    The adjuster will look at your property during working hours, so you may not be home when the inspection is taking place, which means you have no input in the matter. We ask that you allow us to meet with the adjuster during the inspection. The adjuster will inspect your roof and exterior of your home for visible signs of damage only. For the roof, he will measure out a “Test Square” (10′ x 10′) on different sections of your roof. If he can find a sufficient amount of bruises or breaks for each “Test Square”, the insurance company will buy you a new roof, and your only participation in the payment process is your full legally required deductible, and the insurance company pays the rest to us.
  • My adjuster said “no damage”
    It is possible that your roof was the only one on the block that wasn’t damaged. However, you are entitled to a re-inspection by another adjuster within the same firm. So if you’re not completely satisfied with the results of your claim, don’t settle. Ask for another inspection. Let us work for you in getting what you deserve.
  • Discrepancies
    Most occur when the adjuster has not assessed the same amount of damage as the contractor, mismeasurments or building code upgrades. Whether it is for the roof, gutters, siding or other exterior or interior damage. So if you have interior damage or other hard to see damages that can be easily overlooked, we will document and take pictures of everything to make sure you are treated fairly. This is another reason to let us meet your adjuster when he is at your property. You are entitled to have your contractor of choice represent you during the adjustment process to expedite the settlement of your claim. In order to save you time off from work and the headache of the entire process, we ask that you allow us to meet your adjuster during the inspection process. We will work with your adjuster to determine the extent of the damage.Your insurance adjustor uses a software called Xactimate, we use the same software so there is no differences in pricing. All you pay in most cases is your deductible. We are a Texas roofing company that will work for you in getting what you deserve.
  • How the insurance company pays on claims
    In most cases, about a week after the adjuster has estimated your property, you will receive your first check. This is most commonly called the ACV (Actual Cost Value). This check should represent the actual cost to repair or replace the damaged property, minus depreciation. The age and condition of the property is taken into account when calculating this depreciation. When work is completed, the insurance company will issue a check for the recoverable depreciation amount only if the total expenses are equal to, or greater than the total settlement.
  • Is The Excess Money Mine?
    Upon completion of your roof the contractor will invoice the insurance company. The only way to get excess money is to invoice for more than the actual amount which is insurance fraud. Insurance fraud is a felony and will never be the practice of an honest contractor.
  • Do I need to get two or more estimates?
    The industry uses fair market value software called Xactimate to determine your pricing. All you pay is the deductible amount and we have to invoice for the amount on the insurance scope, so why not get the best? You are only saving the insurance company money and costing yourself quality when you get several estimates.. Think of it this way, what reward will the insurance company give you for finding the best price for them? Will they lower your premium? Your insurance company will pay a reputable contractor a “fair market price.” You should concentrate on choosing a reputable contractor that will use superior quality materials rather than concentrating on price. you owe only the deductible and the insurance company pays the rest!
  • Will my insurance company give me more money if I spend more than they have given me?
    Maybe! Your insurance company will only pay supplements on items that we can prove they overlooked. We will work with you insurance company, take pictures, and communicate what is needed to ensure you get the quality roof they owe for and you deserve as they owe for the components that are currently on your roof and any building department code upgrades, If your policy has code upgrade coverage.
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