Extreme Exteriors Now . Com knows after 35 years in the Home Improvement Industry that it is sometimes overwhelming for homeowners to have to deal with their Insurance Company after a tragedy like this.

       We are here to help. The process doesn’t have to be dreaded if you have a Company that is experienced in dealing with the insurance companies directly. We will take this burden off your shoulders. We deal directly with the insurance adjusters from the beginning. We are licensed, insured and here to help you understand the process.

Step 1: Your Insurance Company sends out an adjuster.

(TIP) If you already have a contract for the repairs in your hand, you have the advantage of knowing what the real REPLACEMENT costs are when you speak with the adjuster.

Step 2: The adjuster sends you a scope of work for the repairs minus your deductible.

(TIP) The job of the adjuster is to give you a depreciated amount. Remember they work for the Insurance Company!

Example: Your roof is 10 years old. They want to give you a fraction of the costs because you have already used 10 years of the 20 year shingle. The reason for this is because many people take the money and do not complete the repairs. Your contractor should fax the contract  directly to them. This shows them that you are having the damage repaired. After the job is completed the contractor will send a Completion Certificate signed by you proving that the work was completed. Your insurance company then sends you a check for the depreciated value. In most cases your Mortgage Company will also be listed as the payee. It is very important that your Mortgage holder knows the repairs have been completed.

     I know this may sound daunting, but it doesn’t have to be.  If you have a reputable company they will be with you every step of the way.