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San Antonio Roofing Contractors
The Process
The Process
Here is how insurance claims work, step by step.
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Contact Rio Blanco Roofing and
Solar to inspect your property for storm damage to your roof and other parts of your property such as siding, windows, fence, etc.
No Damage
If we find no damage to your home, we will let you know.
There would be no charge for this inspection.
Damage Found
If we find damage, we’ll recommend that you contact your insurance company and file an insurance claim.
File a Claim
You contact your insurance company and file an insurance claim for storm damage to your property.Insurance Adjuster Appointment
The insurance adjuster will call you to schedule an inspection appointment. You explain that you want your roofing contractor to be present for the inspection and ask for a specific date and time. Be sure to get the adjusters name and contact information. You, then, need to call your Rio Blanco Roofing & Restoration LLC representative right away to inform them of that appointment. If there is a scheduling conflict, the adjuster may have to be called right back for an alternate date/time scheduled for the inspection. It is beneficial to the insurance claim process if the homeowners are able to also be present at the time of the inspection. Rio Blanco Roofing & Restoration LLC involvement helps to prevent you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied.
Damage Estimate (Insurance Adjuster)
If the adjuster agrees with us that your property sustained damage from a storm, they will create an estimate for the required repairs, often while they are still there at the property. If so, they will go over that estimate with you and pay you the total to replace or repair the property less the depreciation and the deductible. Sometimes they will leave and send you the estimate and the first check later. We agree to accept what your insurance company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement. With Rio Blanco Roofing & Restoration, you pay no out-of-pocket expense other than your insurance deductible.Contract for Work
At the completion of the inspection, if you have received the estimate, we will request that you provide us with a copy of that estimate. We will execute a contract for the work specified in the insurance adjusters estimate plus any supplements that may need to be added if the insurance adjuster missed or miscalculated something.Contract Sent to Insurance Company
Rio Blanco Roofing & Restoration will review the scope of work and confirm all measurements to assure all of the damage is included and has been accurately calculated. We will fax the signed contract and any supplement request to the insurance company to initiate the process for the insurance company to send you the RCV (replacement cost value) or final check.The Final Check
If there is a mortgage on the home, the mortgage company’s name will probably be on the check along with yours. There will be several forms to be filled out and notarized. You will need to send the check for endorsement along with those forms to the mortgage company to be processed. It’s best to send this ‘overnight’ to speed up the process.We Are Certified Roofers
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Rio Blanco Roofing & Restoration
1846 North Loop 1604 W. Suite 205
San Antonio, TX 78248
Phone: 210-760-1230
As a homeowner, your roof is one of the most critical components of your property. It protects you and your family from the elements, keeps your home safe, and contributes to your home’s overall appearance and value. However, many homeowners overlook the importance of regular roof maintenance, which can lead to serious consequences down the road. In fact, lack of maintenance is the number one reason for insurance claims being denied. Why Regular Roof Maintenance Matters 1. Early Detection of Issues Regular roof maintenance allows for the early detection of potential problems. Whether it’s missing shingles, minor leaks, or debris buildup, addressing these issues promptly can prevent them from escalating into more significant and costly repairs. By catching problems early, you can save both time and money. 2. Extending the Lifespan of Your Roof A well-maintained roof can last significantly longer than one that is neglected. Routine inspections and maintenance help ensure that your roof remains in good condition, allowing you to avoid premature replacement costs. Depending on the material, a roof can last anywhere from 15 to 50 years, but neglecting maintenance can shorten its lifespan considerably. 3. Ensuring Insurance Coverage One of the most critical reasons to stay on top of roof maintenance is its impact on your insurance claims. If your roof sustains damage and you file a claim, insurance companies will often look for evidence of proper maintenance. If they find that you have neglected routine care, your claim may be denied. This means you could be left to cover the repair costs out of pocket, which can be a significant financial burden. 4. Maintaining Energy Efficiency A well-maintained roof helps improve your home’s energy efficiency. Issues such as poor insulation or ventilation can lead to increased energy costs as your heating and cooling systems work harder to maintain comfortable temperatures. Regular maintenance can help identify and resolve these issues, saving you money on your energy bills. 5. Peace of Mind Knowing that your roof is in good condition provides peace of mind. Regular maintenance gives you confidence that your home is protected from the elements and that you won’t face unexpected repair costs. You can enjoy your home and focus on what matters most, knowing that your roof is taken care of. What Does Roof Maintenance Involve? Roof maintenance typically includes: - Regular inspections to identify any signs of wear and tear - Cleaning gutters and downspouts to prevent water damage - Checking for and replacing missing or damaged shingles - Inspecting flashing and seals around vents, chimneys, and skylights - Ensuring proper drainage to prevent water pooling Conclusion In conclusion, regular roof maintenance is essential for protecting your home and ensuring your insurance coverage remains intact. By investing in routine care, you can extend the lifespan of your roof, avoid costly repairs, and have peace of mind knowing that your home is secure. At Rio Blanco Roofing, we’re committed to helping you keep your roof in excellent condition. If you haven’t had your roof inspected recently, don’t wait until it’s too late. Contact us today to schedule your roof maintenance and protect your investment!