Custom Residential Roofing

Intro

When it comes to understanding homeowners’ insurance the fact is, it’s confusing...really confusing. That’s why Breashears Roofing has trained professionals working side-by-side with insurance adjusters. All to ensure the customer receives the proper funds needed to repair damages timely and accurately.  

How insurance works

“Every claim can trigger a premium increase. So, the ‘I paid for this insurance [and] I’m going to use it’ approach may not be the best one.” Emily Cabral, Program Coordinator at United Policyholders. 

Filing those claims can lead to increased premiums, being dropped by your insurer, or finding it difficult to find insurance with another carrier due to your loss history.

Homeowners should avoid filing claims in the following situations

1. The necessary roof repairs cost less than the homeowner's policy deductible.

In that event, the insurance company will open a claim as required, determine the claim did not exceed the deductible, and close it as a zero paid claim. This creates a problem. The claim is now a part of the homeowner's loss history record, despite not paying out a settlement. That can hurt insurance premiums and eligibility.

That’s where Breashears Roofing helps. The company provides a powerful set of tools to the prospective customer, all to avoid unnecessary costs. Breashears Roofing does this by providing a comprehensive damage analysis at no cost. The homeowner is then armed to make better decisions moving forward and can determine their next move.

2. The homeowner has filed more than one claim in the past 5 years.

In that event, the insurance company will open a claim as required, determine the claim did not exceed the deductible, and close it as a zero paid claim. This creates a problem. The claim is now a part of the homeowner's loss history record, despite not paying out a settlement. That can hurt insurance premiums and eligibility.

That’s where Breashears Roofing helps. The company provides a powerful set of tools to the prospective customer, all to avoid unnecessary costs. Breashears Roofing does this by providing a comprehensive damage analysis at no cost. The homeowner is then armed to make better decisions moving forward and can determine their next move.

3. The damages to the roof are relatively minor.

Roof damage can deceive you quite easily. What looks like major damage may cost far less than imagined. Breashears Roofing professionals are experts in their trade.The Breashears team can help evaluate the true cost of roof repairs before causing premiums to rise unnecessarily.

4. The claim filed is found to be caused by poor maintenance.

Often times, Colorado homeowners delay maintenance of their roof, believing a storm will eventually damage the roof enough to file an insurance claim and collect a settlement. Unfortunately, that’s not usually the case, and that lesson comes at a high cost. Insurance adjusters look for neglect and use special forensic-like equipment to determine the age of damage. If an adjuster finds a claim to be caused by the homeowner’s neglect, they will deny claim. This scars the homeowner's claim record and leaves them without the funds necessary for repairs.

5. The cause of the roofing damage isn’t covered under the homeowner's policy.

Like the other mistakes to avoid, this type of claim can hurt rates and eligibility. Our team of professionals are deeply educated on almost all insurance company's policies, as well as their common practices. Breashears Roofing helps to take the stress off the homeowner by educating what is, and is not, covered under the homeowner's policy.

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“Good quality affordable roofing. Great communication and planning. Amazing people to work with.” - Jeb B.