Clients – Chateau Public Adjusters https://www.chateaupublicadjusters.com Insurance Claim Recovery, Independent Appraisals & Claims Adjuster Services Sun, 15 Sep 2019 22:15:19 +0000 en-US hourly 1 https://wordpress.org/?v=5.6.17 https://www.chateaupublicadjusters.com/wp-content/uploads/2019/07/cropped-chateau-site-icon-trans-32x32.png Clients – Chateau Public Adjusters https://www.chateaupublicadjusters.com 32 32 Roof Damage & Hail: Insurance Approval & Policy Coverage Info https://www.chateaupublicadjusters.com/roof-damage-insurance-approval-hanover-pa/ https://www.chateaupublicadjusters.com/roof-damage-insurance-approval-hanover-pa/#respond Sun, 15 Sep 2019 16:12:16 +0000 https://www.chateaupublicadjusters.com/?p=525 When does insurance cover roof damage from hail? Here's an analysis of policy coverage of cosmetic vs structural damage, case law and examples of Chateau getting denials overturned and our policyholders the money they're entitled to.

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Roof damage claims are often denied by homeowners insurance or approved only for bare-minimum repairs. But not on our watch! Read on for a discussion of insurance policy coverage and law, and some examples of Chateau getting denials overturned and our policyholders the money they're entitled to for repairs and restorations of their property damage claims.

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Introduction & Background

FC&S Opinion: Hail Damage

Case Law & Precedent

Roofs by Superior Services

Roofs by JWE Remodeling

Cosmetic vs. Structural Damage - Debate & Case Law

Roof Damage Claims Caused by Hail: Do Insurance Companies Pay?

Something we here at Chateau talk about all the time is the fact that insurance companies have a profit-motive to deny claims. This often means that they will deny a roof damage claim on the basis of a "cosmetic damage" exclusion. Homeowners often don't know that this is a wrongful denial of benefits.

The fact is that unless it is explicitly stated otherwise, direct damage to property is always covered. Even the cosmetic kind. So long as the damage was due to a covered peril - like a hail storm - your insurance should pay for repairs and restorations necessary to make it like new.

Hail Storm Roof Damage inspection with Chateau Public Adjusters in Hanover PA
'Cosmetic' Roof Damage like this caused by hail storms is sometimes WRONGFULLY DENIED by homeowners insurance companies.

The FC&S, an organization that provides policy coverage analysis and interpretations for all types of insurance professionals, agrees. In their view, the question of whether cosmetic damage ought to be covered is answered with a simple yes. They responded to a recent roof damage claim that was denied on the basis of cosmetic damage exclusion:

The principle of indemnity is to restore the insured to what they had before the loss, and this insured had a roof with no dents. - FC&S Bulletin ( source )

Period.

The courts agree: cosmetic property and roof damage is covered.

In a federal appellate court decision in June 2015 - Advance Cable Company v. Cincinnati Ins. Co., No. 14-2748, 2015 WL 3630699 (7th Cir.) - the court essentially agreed with the FC&S, ruling against the insurance company and setting a precedent for matters pertaining to property and roof damage.

In that case, the plaintiff's roof had suffered damage due to hail. The insurance company denied their claim, asserting that in their policy, "loss or damage" meant "harm", and cosmetic damage is not harmful, and so is not covered.

The court didn't buy it, and they found in favor of the policyholder. Their ruling was that when an insurance policy covers "direct physical damage" there is no distinction between cosmetic damage and structural.

There is no exception to the definition of “loss” for cosmetic damage, or any other kind of particular damage. Had [the insurer] wished to exclude cosmetic damage from coverage, it should have written the policy that way. - U.S. 7th Circuit Court of Appeals, 2015 ( source )

Roof Damage Claims Approved in Hanover PA by Chateau Our Public Adjusters Use their Knowledge of Property Damage Law to Help Policyholders get Money for Repairs, Restorations and Replacements for Damage to Roofs, Siding, Gutters and More Caused by Covered Perils like Hail, Storms, etc. Recent Examples Below...

York PA Roof Damage Claim Approved

By Superior Services of PA & MD

This roof damage claim for hail was originally denied by insurance, and Chateau's public adjuster re-opened it over one year later. We fought to get it approved, and ultimately got insurance to pay for a full 50-year warrantied roofing system replacement, executed by Superior Services of PA & MD.

York PA Roof Replacement Service

We ensure that our clients get the representation they deserve, with fair compensation of covered perils or damages incurred. A homeowner should NEVER accept the insurance company's estimate, assessment or scope as the final word. - Eric Hare, owner of Chateau and Superior Services of PA & MD

Littlestown PA Roof Damage Approved

By Superior Services of PA & MD

This home in Littlestown had a severe leak, which our expert restorations contractor mitigated and fixed. During our inspection we discovered the leak was caused by wind- and storm-damage to the roof. We got insurance to pay for the roof leak repair plus a full roof replacement by Superior Services of PA & MD.

Littlestown PA Roofing Service

Hanover PA Siding & Roofing Approved

By JWE Remodeling & Roofing

This Hanover PA home had suffered hail damage to its siding and its roof. We were brought on by JWE to get the insurance company to approve and pay for a full exterior remodel. These homeowners got brand new siding, a new roof and a new porch installed by JWE Remodeling & Roofing contractors.

Hanover PA Siding & Roofing Service

Our partnership with Chateau has allowed us to offer our customers an exclusive and valuable service. As a roofing contractor I'm not legally allowed to advocate on a homeowner's behalf to their insurance company, despite my extensive expertise in roofing and construction. But Chateau's public adjusters are, and when we work together I know that my customers are in good hands and cannot be taken advantage of by their insurance company. - Jeff Erb, owner of JWE Remodeling & Roofing

Abbottstown PA Roofing Approved

By JWE Remodeling & Roofing

This home had extensive roof damage caused by storms and wind, and we got it approved for a full lifetime-warrantied roofing system installed by JWE Remodeling and Roofing in Abbottstown PA.

Abbottstown PA Roofing Service

Damage to Your Roof, Siding or Interior?

Don't wait for your insurance company to deny you and don't settle for anything less than full coverage of your repair or restoration. Contact the licensed pros at Chateau Public Adjusters - we will advocate for you and make sure you get the full amount of money you're entitled to. We serve the entire Southern Pennsylvania and Northern Maryland area: York, Adams & Carroll Counties.

Free Consultation

Public Adjuster License Look-Ups and Other Important Links

Our Service Area

We serve the entire south-central Pennsylvania and Northern Maryland areas including all towns and zip codes in the following counties:

  • Cumberland, Lancaster, York & Adams Counties in Pennsylvania
  • Frederick, Baltimore & Carroll Counties in Maryland
Free Consultation

Visit Us at Our Office Appointments Available 24/7

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]]> https://www.chateaupublicadjusters.com/roof-damage-insurance-approval-hanover-pa/feed/ 0 Recent Roof Damage Claims We Got Approved in Hanover PA https://www.chateaupublicadjusters.com/roof-damage-claims-approved-hanover-pa/ https://www.chateaupublicadjusters.com/roof-damage-claims-approved-hanover-pa/#comments Sun, 04 Aug 2019 00:12:55 +0000 https://www.chateaupublicadjusters.com/?p=450 Our recent work in Hanover PA providing roof damage insurance claims services and helping homeowners get their property damage approved by their insurance companies.

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Our public adjusters executing a free roof inspection. We get brought on by expert roofing contractors to help homeowners get their roofing claims approved. Click to expand.
We get Roof Damage in Hanover Approved by Insurance Companies

Our Work with Roofers in Hanover PA Helping Clients get Roof Damage Claims Approved

We work exclusively with two of the best roofers in Hanover PA: Superior Services of PA & MD and JWE Remodeling & Roofing. When these contractors take on a client who has a claim for a damage to their roofs they make sure they have the representation they need to handle the claim properly. We help by providing thorough inspections of roof damage, documentation of the damage for filing the claim, appraisal services when necessary, and expert valuation of damage in order to get complete and thorough repairs and replacements approved by the insurance company. This is especially important because insurance companies often only want to approve bear-minimum patches and repairs rather than full replacements, even when a full roof replacement is necessary. Since roofing contractors are not legally allowed to negotiate with insurance companies, it's important to Hanover homeowners that our public adjusters are there to help.

How Does a Public Adjuster Help with Roofing Claims?

Representing Homeowners to Ensure Full Coverage of Roof Repairs & Replacements

Even expert roofers (like JWE and Superior Services) are limited when it comes to a complicated roof damage insurance claim, because it is against the law for a contractor to negotiate with insurance companies on behalf of the insured homeowner. Homeowners are also at a disadvantage because they aren't experienced enough to know the ins-and-outs of the insurance claim process. Our licensed public adjusters have the training and certification and experience needed to hold insurance companies accountable and make sure they approve the coverage the homeowner is entitled to under their specific homeowners insurance policy.

Read more answers to FAQs about Public Adjusters.

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Free Roof Inspection being executed by Chateau Public Adjusters for a roof damage claim in Hanover PA. Click for Full Photo.

Roof Damage Repairs in Hanover PA

Getting Approval for Roof Replacements and Repairs with JWE & Superior Services

Pictured is one of our roof inspections taking place with the insurance company's adjuster. When our public adjusters are on-site, it is less likely for an insurance company's adjuster to be able to minimize or downplay damage to a roof and the work needed to thoroughly repair it.

Sometimes we just cannot reach an agreement with an insurance company, and when that happens we invoke the appraisal clause (click here to learn more about the appraisal process) to get roof replacements or thorough repairs approved.

In the end, we are just about 100% successful in getting roofs approved and paid for. Check out some examples below of roof replacements we have got approved just in the last week, executed by our two affiliated expert roofing contractors: JWE and Superior Services.

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Roof Damage in Greater Hanover PA: Approved for Replacements from June to July 2019

Click here to view this job on Superior Service's website. We helped them get this roof damage approved for a full LIFETIME-warrantied roofing system by GAF.
Roof Damage Repair Approved: Wind Damage

New Oxford PA Roof Damage: Superior Services of PA & MD

Superior Services of PA & MD had us represent these homeowners in New Oxford (17350, greater Hanover area) to help get their wind-damaged roof approved for replacement. Check out the job on their website.

Roof Replacement in New Oxford PA 17350
JWE Remodeling & Roofing executed this replacement, which we got approved for storm and hail damage in Hanover PA 17331. Click here to see the job on their website.
Roof Damage Repair Approved: Storm Damage

Hanover PA Roof Damage: JWE Remodeling & Roofing

JWE Remodeling & Roofing hired us to handle the insurance process for the damage to this Hanover PA home's roof, caused by a July 2019 hail storm which hit the greater Hanover area. We got it approved for a full GAF Lifetime asphalt shingle roofing system. Check out details on their website.

Roof Replacement in Hanover PA 17331
Superior Services of PA & MD executed this roof damage replacement in Carroll County's Manchester MD. We got this roof approved due to wind damage. Check out their website for the job details.
Roof Damage Repair Approved: Wind Damage

Manchester MD Roof Damage: Superior Services of PA & MD

Superior Services of PA & MD used our licensed public adjusters to ensure that these Carrolll County MD homeowners got full coverage for a complete LIFETIME-warrantied roofing system by GAF for the roof damage to their home caused by heavy winds in a recent July 2019 storm.

Roof Replacement in Manchester, MD
We got this leaking roof in Littlestown PA approved for a full replacement by the homeowner's insurance company. Check out JWE's website for details about this roof replacement.
Roof Damage Repair Approved: Storm Damage

Littlestown PA Roof Damage: JWE Remodeling & Roofing

JWE Remodeling & Roofing teamed up with us to help file and negotiate this insurance claim for damage to this home's roof in Littlestown PA and we were able to get it approved for a complete GAF LIFETIME-warrantied roofing system replacement.

Roof Replacement in Littlestown, PA

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We'll continue to help the Hanover PA community get the insurance coverage they deserve. If you have damage to your property's roof, siding, interior or exterior and want to find out if your insurance company is providing the coverage that you are entitled to, please contact us for a free inspection! Our expert roofers, partnered with our public adjusters, will help get you the repairs you need.

Our Public Adjuster Get Insured Owners the Money they Deserve

When insurance companies get away with only paying for small repairs, it's almost always because the policyholder just doesn't have the construction and insurance knowledge needed to properly challenge their valuation. If your home is damaged in any way, whether it is interior or exterior damage from wind, rain, floods, storms, etc. contact us for a free inspection and consultation. We'll help you get what you deserve.

Free Inspection

Public Adjuster License Look-Ups and Other Important Links

Our Service Area

We serve the entire south-central Pennsylvania and Northern Maryland areas including all towns and zip codes in the following counties:

  • Cumberland, Lancaster, York & Adams Counties in Pennsylvania
  • Frederick, Baltimore & Carroll Counties in Maryland
Free Consultation

Visit Us at Our Office Appointments Available 24/7

The post Recent Roof Damage Claims We Got Approved in Hanover PA appeared first on Chateau Public Adjusters.

]]> https://www.chateaupublicadjusters.com/roof-damage-claims-approved-hanover-pa/feed/ 1 Appraisal of Property Damage Claim gets Owners Six-Times More Insurance Money https://www.chateaupublicadjusters.com/appraisal-property-damage-claim-more-money/ https://www.chateaupublicadjusters.com/appraisal-property-damage-claim-more-money/#comments Sun, 14 Jul 2019 14:39:03 +0000 https://www.chateaupublicadjusters.com/?p=273 We invoked the Appraisal Clause for a property damage claim and got these Frederick MD homeowners six-times more money from their insurance company than was initially offered, allowing them to get a brand new roof replacement paid for.

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How Our Appraisal Service Awarded these Owners 6x More Money for their Property Damage Insurance Claim

From an Initial Offer of $1,800 We Won Our Clients $12,000 for a New Roof Replacement

Insurance Claims Appraisal

The Process for Disputing an Insurance Company's Valuation of Your Property Damage Claim

When policyholders and their insurance companies disagree on the amount of a property damage or other loss claim, they request an Appraisal, a method of Alternative Dispute Resolution that is set forth in the insurance policy. Both parties will pick an independent expert to examine the claim and determine a value, and that decision is binding (more from the IAUA).

Such was the case with this insurance claim for a wind-damaged roof in Frederick MD. The homeowners filed the claim on their own, and the insurance company made an initial offer of $1,800 to cover a "patch & plug" style repair. Knowing that this is wouldn't be enough, the homeowners wanted to dispute the offer. See below for how we helped.

Invoking an Insurance policy appraisal clause can maximize your claim with a public adjuster assisting
Licensed public adjuster offering insurance claim appraisals in Hanover PA 17331 Chateau Public Adjusters LLC

Appraisal of Roof Damage Claim

How We Proved that this Roof Needed to be Replaced

Unfortunately it is common for insurance companies to approve only bare-minimum, "band-aid" style repairs for property damage claims. This is great for their profits, but really bad for homeowners and their properties. Fortunately, there is a process for disputing these offers. Our insurance claims assistance services help policyholders get the coverage they're legally entitled to. We invoked the Appraisal Clause of this homeowners' insurance policy and brought in a "disinterested and competent" expert to provide a valuation of the claim.

Independent Appraiser: Our roofing contractor served as the policyholder's expert in the Appraisal process. This normally costs $700-$1k, but with Chateau the service is free.

Inspection & Valuation of Damage: We showed that the "patch & plug" repairs were wholly insufficient considering the extensive roof damage, and that a full roof replacement was necessary.

Reaching an Agreement: Our appraiser and the insurance company's appraiser compared their valuation of the damages and the cost of repairing or replacing the roof, and they reached an agreement. Had they not, the decision would have been made by a 3rd-party expert.

Appraisal Award: 600% increase, from $1800 to $12k

Our valuation and appraisal of the damage was so thorough that there was no room for the insurance company to dispute that this roof needed a total replacement. The two parties' appraisers agreed on twelve thousand dollars, and our clients were able to get their roof replaced.

We Help Property Owners Get the Insurance Money they Deserve

When insurance companies get away with only paying for small repairs, it's almost always because the policyholder just doesn't have the construction and insurance knowledge needed to properly challenge their valuation. If your home is damaged in any way, whether it is interior or exterior damage from wind, rain, floods, storms, etc. contact us for a free inspection and consultation. We'll help you get what you deserve.

Free Inspection

Public Adjuster License Look-Ups and Other Important Links

Our Service Area

We serve the entire south-central Pennsylvania and Northern Maryland areas including all towns and zip codes in the following counties:

  • Cumberland, Lancaster, York & Adams Counties in Pennsylvania
  • Frederick, Baltimore & Carroll Counties in Maryland
Free Consultation

Visit Us at Our Office Appointments Available 24/7

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