Hail Damage Insurance Claim Deductibles – Covered Or Not Covered?

Whenever a major hail or windstorm causes widespread damage, storm-chasing contractors appear seemingly out of nowhere. Homeowners are bombarded with a myriad of sales pitches, incentives, and tricks to get them to hire that contractor over the other dozens of contractors in the neighborhood. One of the most common tactics contractors use is paying the homeowner’s deductible.

Introducing Select Adjusters, the best way to handle your wind and storm damage insurance claim in Mesa, AZ. Our team of experienced professionals will help you get the payout you deserve, quickly and easily. We know how to navigate the insurance system, so you don’t have to. Let us take care of everything for you!

Many homeowners and contractors alike think that this practice is normal, and some even expect it. However, these folks are simply uninformed as to what they are actually doing. What they are actually doing is committing insurance fraud. The contractor and the homeowner are equally guilty.

All insurance policies follow what is known as the principle of indemnification. This principle basically states that a policyholder cannot profit from a loss or claim. To indemnify is to make whole, or in simpler terms, when an insurance company indemnifies the policyholder, they are returning them to the same financial position they were in prior to the loss. As part of the insurance contract, the policyholder has agreed to pay a pre-determined amount out of their pocket for the loss. That is the deductible. If the policyholder is not paying their deductible, they are profiting from their loss.

We understand that dealing with insurance companies after a major storm can be frustrating and overwhelming. That’s where Select Adjusters comes in! We’re here to help you through the entire process and make sure you get the most out of your claim. We have years of experience dealing with insurance companies, and we’ll work tirelessly to get you the compensation you deserve. Don’t wait another minute, call us today!

In more and more areas, state Departments of Insurance are cracking down on contractors who cover deductibles. Any contractor that is caught may face penalties as light as a fine, or as heavy as prosecution and closing of the business. In the long run this act costs everyone more money, including the policyholder that thinks they are benefiting. These acts mean insurance companies must increase premiums because they are paying out inflated repair estimates. Any reputable contractor will not be willing to cover the policyholder’s deductible.

When nature unleashes her fury, the best insurance is Select Adjusters. You need a team of experts who know how to navigate the complicated insurance claims process. From filing your claim to negotiating with the insurance company, we’ll take care of everything for you. So when the storm hits, make sure you’re prepared with Select Adjusters.

Insurance fraud aside, the homeowner must do thorough research to be sure that a little saving isn’t going to drastically effect the quality of the project. In most cases, if your bill is reduced by $500, you are getting $500 worth of reduced quality as well. In this case, the homeowner must look far beyond the shingle itself. There are many ways the contractor can cut their expenses that many folks won’t easily recognize, such as cheaper underlayment or no underlayment at all, shorter nails or even staples, eliminating ice & water shield, cheaper vents, and the biggest one of them all; cheaper labor. It doesn’t matter how good the materials are if they are installed incorrectly.

One legal way to earn your deductible back is giving your contractor referrals. Ask if they have any incentive for referrals that become jobs. Most contractors will pay a bonus of $100 or more for any referral that turns into a job. So send them to your neighbors, family, and friends, and you may be able to earn that cash out-of-pocket back!

So before simply choosing the contractor that covers your deductible over the one that doesn’t, be sure you do plenty of research so you know what kind of quality you are getting. A little savings now may not be worth the headaches and additional costs of repairs down the road!

Select Adjusters
2152 S Vineyard #136, Mesa, AZ 85210
(888) 275-3752
https://www.selectadjusters.com

Whenever a major hail or windstorm causes widespread damage, storm-chasing contractors appear seemingly out of nowhere. Homeowners are bombarded with a myriad of sales pitches, incentives, and tricks to get them to hire that contractor over the other dozens of contractors in the neighborhood. One of the most common tactics contractors use is paying the…

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