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Why Filing a Claim on Your Own Might Not Be the Best Choice

Facing damages to your home's exterior due to hail or wind can be a daunting experience, and the last thing you want to worry about is filing an insurance claim. While it's understandable that you might want to handle the process on your own, it's essential to consider how an experienced contractor can help you get the most out of your claim.


One of the biggest risks of filing a claim on your own is the possibility of receiving less money for your exterior replacement. Insurance adjusters are not contractors and might overlook some damages or might not know how a roof or siding system needs to be installed.

Additionally, some insurance adjusters might be new and not as experienced which means they might have trouble identifying hail damage, which can result in delays to your replacement. All insurance companies have different thresholds on what amount of hail hits call for full replacement and what calls for partial or repairs. An experianced contractor who deals with multiple insurance companies will know this information. All these issues can lead to more problems in getting approved.


This is where an experienced contractor like TomKat Restoration can make all the difference. We can advise you on how to file your claim and ensure that you receive the proper payout for your damages. With your permission, we can also provide your insurance company with supplement updates if any other damages or missing items are found during the replacement process. This helps to avoid delays and ensures that you get the most out of your insurance claim.


Furthermore, our experienced professionals can identify damages that an insurance adjuster might overlook and ensure that your exterior is appropriately repaired or replaced. Whether it's pointing out when a shingle is no longer made or identifying when a roof has multiple layers that need a full replacement, we'll make sure that your roof and exterior are repaired correctly, so you won't have any problems down the road.


In conclusion, filing a claim on your own can be more challenging than it seems and may result in a lower payout or delays. It's always best to have an experienced contractor on your side to ensure that your damages are thoroughly evaluated and properly repaired. If you're in need of exterior repair or replacement, trust the experts at TomKat Restoration to help you through the insurance process. Contact us today to get started.


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