Won’t a claim increase my premiums?

There is no penalty for filing a claim if you suspect catastrophic damage. You also cannot be singled out for a rate increase, regardless of whether the insurance company pays for damages or not. Interestingly enough, hail damage insurance claims have increased 84% since 2010, almost doubling in just two years.

Why do I need to choose a contracting company – can’t my insurance company help me with that?

When you file a claim with your insurance company they will send their adjuster to inspect your property.  It is also advised that you have a building professional who is familiar with local codes and restoration projects provide an inspection assessment and estimate.   This estimate may differ from your carrier’s, who may not be familiar with the build requirements for your home or jurisdiction.  Our company is a trusted contractor that can provide a detailed inspection report and estimate for your carrier to review.  We work with industry accepted software to create estimates in accordance with insurance carrier guidelines.

Should I get multiple quotes for the work?

Unlike other replacement projects, you should not be concerned with finding the “lowest price” for the project. In doing this, you will be saving the insurance company money (which does not benefit you or your home) or the insurance company may suspect you of insurance fraud and attempting to make a profit from your claim.

How should I choose a company?

Working with a company that you trust and feel comfortable with is the most important part of any home improvement or restoration process. Ask the company about their inspection and estimating services, how familiar they are with writing estimates for insurance carriers, and the paperwork involved with submitting claim documentation. Selecting a local company will also provide you with peace-of-mind, should anything happen to your home that would require future service.

There are many companies that seek out storm damage and insurance work as their primary source of income. We advise homeowners to take into consideration the following:

• Is the company local?
• Do they have a state license?
• Do they have local employees?
• Are the license plates for their vehicles local?
• What experience does the company have with local customers?
• Can they provide references?
• What credentials does the company have? (Many companies that seek out storm and insurance claims are not certified by manufacturers and will only restore your home according to the insurance guidelines and settlement!)
• What warranty would the contractor provide me?
• Will they be here if I have an issue with my roof in the future?

No matter what kind of damage your home or building has suffered, count on the pros at American Custom Contractors to help you navigate the insurance claim process. We have many years of experience and have successfully helped thousands of people rectify damages from water, hail, storms, fire and more! Call us at (301) 417-1000 for more information or fill out our quick online form to get started today!