Hail, wind, and storm damages are considered an insurance loss on your homeowner’s policy. It is the responsibility of the insurance company to pay the entire cost, less your deductible, for replacing the roof or other parts of your house if damages are found.
The claim is also considered a natural disaster and should not count against you personally for future rate increases.
MJTerveen Construction & Roofing specializes in accident and weather related damage repair and replacement; including exterior roofing, gutters, siding, widows; also offering interior painting, sheet rock, ceiling texture, and flooring services.
MJTerveen Construction & Roofing will guide you through every step of the insurance process:
Step 1: Call MJTerveen Construction & Roofing and set-up a free inspection with a Certified hail, wind, and storm inspector.
Step 2: If we find damage, sign our contract for us to work with your insurance company and then contact your insurance company to file a claim. Tell them your contractor is MJTerveen Construction & Roofing.
Step 3: Either call us with your adjuster’s information or have your adjuster call us directly so that we can set up an appointment. It is very important to make sure we are there to represent you during this appointment. Do not allow your adjuster to look at your roof alone even if they say they do not need us or will bringing their own contractor.
Step 4: MJTerveen Construction & Roofing and your insurance adjuster will discuss covered damages and come to a verbal agreement.
Step 5: The adjuster will send you paperwork with what damages are covered. Forward any paperwork to MJTerveen Construction & Roofing before signing so that we can verify that the damages have been fairly evaluated and reported accurately.
Step 6: Sign our contracts, choose a date, and we can discuss shingle, gutter, siding, and/or paint colors.
Step 7: Deposit 1st insurance check into personal checking account (may require endorsement by mortgage company). Then write us a personal or bank check in the amount of the 1st insurance check.
Step 8: After work is completed, MJTerveen Construction & Roofing will send all paperwork necessary to your adjuster for them then release the held deprecation money (exclusions apply).
Step 9: Send us a personal or bank check in the amount of your 2nd insurance check.
Step 10: Enjoy your beautiful new roof, siding, gutters, painting, etc! It’s as easy as that!