Many times, the policyholder has no idea of the extent of damage to his or her property, or in the case of a commercial roof claim, whether there is any damage at all. The roofer or general contractor is the person who performs the inspection of the property uncovering damage potentially covered by the insurance policy. Roofing contractors and general contractors provide a valuable service to policyholders by making the insured aware of potentially covered property damage to the insured’s home or business.
After a residential or commercial property roof loss, many policyholders hire a roofer or general contractor directly to assist with the insurance claim. The same holds true for other losses such as from fire, water or vandalism or any other potential covered cause of loss. The work of these contractors is often critical in making sure that the residential or commercial property owner (who may lack the necessary construction expertise) receives full and prompt payment for the damages to the policyholder’s home or commercial building.
Despite the roofing company or general contractor’s best efforts to accurately document and estimate a policyholder’s insurance loss, a policyholder’s insurance company may either underpay or deny the claim. When this happens, the policyholder is left with the option of either doing nothing or paying out of pocket for the necessary repairs. When they cannot pay out of pocket, the property suffers from potential further damage if the repairs are not made fully and correctly. Failing to perform full and complete repairs can also lead to a reduction in value of the property, often not realized until the policyholder tries to sell the property.
The attorneys at Grisham & Kendall, PLLC have represented hundreds of residential and commercial property owners whose claims have been wrongly denied or underpaid. If you are roofer or general contractor and your client has been unable to obtain the fair policy benefits for their loss, then please contact us to discuss how we may be of assistance. The attorneys at Grisham & Kendall, PLLC can help your client recover what they are owed under their insurance policy. Please call Grisham & Kendall, PLLC at 214-308-2027 or contact us online today.