Are 3 Bids Necessary Or Required For An Insurance Claim?
One of the most common questions we hear at The Roof Doctor concerning insurance claims is, "Are 3 bids necessary?" The common misconception is that all insurance claims for roof repairs or replacement require that the homeowner get three different bids before a roofing contractor can start the work.
The real answer depends on the policy provider; some insurance companies have made the multiple bid process mandatory, and others have not. Of course, if you feel more comfortable with more than one bid for comparison's sake, that's up to you. However, in many cases, there is no steadfast rule about how many bids you get but check with your homeowner's insurance company first.
Keep in mind getting roofing estimates can be time-consuming. While this shouldn't be the reason you don't get more than one bid, at least be prepared and plan accordingly.
Also, don't waste your time trying to find the cheapest roofer possible. For one thing, you pay your premiums to get good coverage in the event of an emergency, so why settle for inferior work or materials? Seek out good value, which means a reasonable rate for high-quality results.
Understanding The Process
To make sense of insurance claims, it’s a good idea to first understand how things should play out. As soon as you know or suspect you have roof damage, contact a professional for a roofing inspection. Contact licensed and reputable professionals for one or multiple assessments of the damage, and avoid companies trying to upsell you on their services.
In the event of a significant weather-related event, you may find yourself faced with door-to-door contractors trying to talk you into their services. Some of these so-called pros aren’t even local. They may convince you that your neighbors are already using their company for repair services, but after the work is complete, you find the work is shoddy, and the contractor has long since disappeared.
After your assessment, you’ll file your insurance claim and then meet with your adjuster. This is a good time for the roofer you want to hire to be there. Having all parties present helps with better communication of vital information and prevents questions about what work is covered.
Dealing With Roof Repairs Or Replacement
After you get the all-clear, it’s time to move forward with roof repairs or replacement. Savvy locals choose The Roof Doctor, knowing we’ll handle things the right and ethical way.
There won’t be any surprises, but if we find additional problems along the way, they’ll be documented and discussed with your insurance adjuster before moving forward. Call us now to find out more from a top Cincinnati roofing contractor.