Here’s Why Roof Damage Claims Can Be Tricky

Roof damage can range from a few missing shingles to structural issues that require replacing the roof entirely. Ultimately, for folks in Marietta, roof leak coverage depends on your policy and the cause of your roof damage. Your policy document outlines the types of roof damage that are and are not covered by the carrier. 

In most cases, your policy will cover damage that is the result of a natural disaster or sudden accidental damage. However, the type of policy that you have—ACV vs RCV—determines how much settlement money you are owed. 

The Difference Between RCV and ACV Policy

For roofing claims, it’s crucial to know whether you have an RCV or an ACV policy. It all comes down to depreciation.

• RCV = Replacement Cost Value.  An RCV policy pays to repair or replace your damaged property without factoring in property depreciation.
• ACV = Actual Cash Value. An ACV Policy is cheaper upfront, but it takes property depreciation into account, which means you will get less money from your insurance settlement.

How a Public Adjuster Can Help

A Public Adjuster is a consumer advocate and insurance claim expert who can help you pursue a fair settlement from your insurance carrier. According to the National Association of Public Insurance Adjusters (NAPIA), “a [Public Adjuster] will relieve you of many time-consuming, tedious and difficult matters related to preparing and filing your insurance claim. The [Public Adjuster] will prepare your claim, including all estimates, inventories, and other factual information that may be required to prove your loss. Your [Public Adjuster] will make sure your claim meets all of your insurance company’s filing requirements.”

Public Adjuster services include: 

• Policy review and deciphering
• Detailed damage inspection and documentation
• Thorough damage estimate report
• Fierce negotiation with your insurance adjuster
• Familiarity with insurance company tactics and processes

Call a top public adjusting company, like Tiger Adjusters Atlanta, to assist with your Marietta roof leak claim.

[quotes]"Public Adjusters handle all aspects of the claim, from documentation to negotiation, alleviating further burden to our clients during a difficult time."​ — Owner Operator, Santiago Salazar, Tiger Adjusters® Atlanta[/quote]