Storm/Hail Damage
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STORM/HAIL DAMAGE/INSURANCE INFORMATION
LET US TAKE THE WORRY OUT OF YOUR STORM/HAIL DAMAGE CLAIMS! Storm/hail damage is difficult to detect unless you are a trained professional. Coty Construction has estimators who know the necessary criteria to determine if your roof, siding, windows, gutters and/or soffit/fascia have sustained damages.
WE WILL WORK WITH YOUR INSURANCE COMPANY FROM START TO FINISH.
INSURANCE CLAIM PROCESS. The first step in your insurance claim process is to have one of our professional estimators come to your home and perform a free inspection to determine the extent of storm/hail damage to your property. If Coty Construction determines you have storm/hail damage, you will then need to call your insurance company to report a claim. It will be important to have a written agreement allowing Coty Construction to work directly with your insurance company and insurance adjuster regarding your claim.
ESTIMATE. Your insurance company may ask you to get three or four estimates. The choice as to how many estimates you decide to obtain is entirely up to you. The amount your insurance company agrees to give you for replacement of your damaged property is referred to as the TOTAL INSURANCE ALLOWANCE. If you choose the lesser of your estimates, the total insurance allowance will be reduced to that amount. When making your decision, you will want to be sure to consider the quality and integrity of the construction company and not just the amount of the estimate.
CLAIM PAYMENTS. In most cases, your insurance company will make two payments. The first check will represent the ACTUAL CASH VALUE (ACV) less DEPRECIATION. Upon completion of the work, your contractor will send a final invoice to your insurance company which will include the ACV plus Depreciation, which equals your NET CLAIM. Your insurance company will then release a check representing that amount.
