Insurance Adjuster Says No Hail Damage: Next Steps

When your roof has suffered hail damage, you may face two problems. One is filing your insurance claim. The other is figuring out what to do if the adjuster insists that there is no damage. This process can be problematic since it involves lots of paperwork.

According to roofers in Killeen, TX, to properly solve this problem, you’ll need the proper documentation placed in the correct order. Roofers in Killeen, Texas, can work with you to establish what damage has been caused and help you place your claim.

Here’s what you can do if the adjuster is reluctant to play ball.

1. Call Your Roofing Contractor

This is the most important step, given that this meeting could help you dispute the adjuster’s decision in the most efficient way. So once the adjuster says no, you should call the contractor as fast as possible. Your expert contractor will document everything and assess the damage.

A lucky feature of seeking help with roofing in Killeen, TX, is that our local roofers are highly qualified experts – not cowboys! This puts them in a powerful position to discuss the claim with the insurance adjuster.

2. Ask For A Detailed Explanation

Roofing companies in Killeen, TX, recommend asking the adjuster to explain in detail why they decided to take that decision. This helps provide a full picture of the situation and lets your contractors understand which evidence could disapprove the insurance adjuster’s claim.

Roofers in Killeen, TX, point out this is important since you’ll also be able to know if the decision is fair or if it’s worth taking further steps for a more favorable outcome.

3. Request Another Adjuster’s Opinion

According to the best roofing companies in Killeen, TX, the next step when the insurance adjuster says no is to get a second opinion. You can make this happen by formally asking the insurance company to provide another insurance adjuster. Of course, the insurance company will ask why, so all you need to do is tell them you had different opinions from the adjuster they sent in the first place.

Roofers in Killeen, Texas, recommended hiring a public adjuster who can work with your roofing contractors. This is a good strategy since public adjusters will be fully able to provide the most unbiased evaluation and conclusion, considering that they won’t be working for the insurance company you are dealing with.

4. Legal Action (Last Resort)

If the insurance company doesn’t want to pay for any damage even if you properly showed strong evidence, you may choose to take legal action.

Considering that this is a pretty drastic step, you must have pictures of the damage and the full documentation of the professional assessment. Ask your contractor if it’s worth it before taking this step.

The Takeaway

“No” is always hard to hear, but it doesn’t have to be the last word. Companies offering expert roofing in Killeen, TX, are here to help – time to reach out.