When it comes to your hail damage claim, you the homeowner has the freedom to choose the contractor you like and trust the most. With home improvement projects you are paying for on your own, you obviously want to get multiple estimates because price is a huge factor in the contractor decision process. However, when it comes to your claim, the price of the lower estimates you obtain won't affect the amount you have to pay out of pocket for your deductible.
Let's delve into the reasons why this is the case.
Understanding the Deductible:
Before we dive deeper, let's clarify what a deductible is in the context of a hail claim. The deductible is the portion of the repair or replacement cost that the homeowner is responsible for covering out of pocket. This predetermined amount is agreed upon in your insurance policy and remains consistent, regardless of the lower estimates you receive from different contractors.
Debunking the Myth:
1. Your deductible remains constant:
Your deductible is determined by your insurance policy and won't change, regardless of the estimates you gather. It is important to understand that the deductible is your responsibility, and it won't be affected by the costs outlined in hail restoration estimates.
2. Focus on quality, not price:
Rather than fixating on gathering a specific number of estimates, homeowners should prioritize finding a reputable and reliable roofing company. Look for a company with a solid track record, positive customer reviews, and professional certifications. By choosing a reputable roofer, you ensure the quality and craftsmanship of the work performed on your roof, which can save you money in the long run.
3. Expert guidance matters:
Instead of investing excessive time and energy into seeking multiple estimates, consider reaching out to a trusted professional who can guide you through the claim process. An experienced company can assess the damage, provide an accurate estimate, and help you navigate the insurance claim, ensuring a smoother and hassle-free experience. Again, you have the freedom to choose the contractor that you trust the most!
4. Value-added services:
By choosing a reputable company, you gain access to their expertise, knowledge, and experience. Professional roofers understand the intricacies of insurance claims and can effectively communicate with your insurance provider, potentially saving you time and stress. Additionally, they may offer warranties on their work, providing you with peace of mind knowing that your roof is protected for years to come.
What this means for homeowners:
The "Get 3 Estimates" myth may have perpetuated the idea that homeowners need multiple estimates to secure the best deal. However, when it comes to property claims, the cheaper estimates obtained won't impact the amount you have to pay for your deductible. Instead, you get to select a reputable roofing company that offers quality workmanship, excellent customer service, and expert guidance throughout the claim process.
At Lighthouse, we understand the importance of providing reliable and professional hail restoration services. Our team of experts is dedicated to delivering exceptional results while guiding homeowners through the insurance claim process.
Reach out to us today and experience the difference a trusted roofing company can make for your home.
