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.
Horizon Restoration specializes in accident and weather related damage repair and replacement; including exterior roofing, gutters, siding, widows; also offering interior and exterior painting.
Horizon Restoration will guide you through every step of the insurance process:
Step 1: Call Horizon Restoration and set up a free inspection.
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 Horizon Restoration.
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: Horizon Restoration 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 Horizon Restoration before signing so that we can verify that the damages have been fairly evaluated and reported accurately.
Step 6: Sign our color selection form for shingle, gutter, siding, and/or paint colors.
Step 7: Sign first insurance check over to Horizon Restoration or deposit first 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 first insurance check.
Step 8: After work is completed and completion certificate is sign Horizon Restoration 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 second insurance check.
Step 10: Enjoy your beautiful new roof, siding, gutters, painting, etc! It’s as easy as that!