insurance claim

When we tell people they can get a brand new roof for free, we get a lot of eye rolls. We don’t take it personally. If someone told me they could get my insurance company to pay for a new roof, I would have the same reaction. The whole hail damage pitch seems like just that, a pitch and a scam.

However, it this was a scam, we could not have survived being in business for over 26-years with an A+ Better Business Bureau rating and a GAF Master Elite status. We absolutely would not be a preferred contractor with Allstate, USAA and Liberty Mutual and other major insurance companies.

We would have been turned us in to the MHIC or Maryland Insurance Administration if this was not legitimate. Which all leads to the conclusion that hail damage to your roof and siding is definitely real and your insurance company is obligated to replace all that is damaged.

Here are the quick and dirty facts about hail damage insurance claims:

Hail must be at least quarter-sized to create damage, like the February 25th storm that hit Bowie.
Hail cracks your shingles and siding, allowing for leaks overtime. The damage is even more apparent and severe if you have an older roof.
Your insurance premiums will not rise if you file a claim because hail damage is considered an Act of God. However, rates my rise regardless of if you file due to the amount of claims in your zipcode in which case, you may as well file.
Modern will do a thorough inspection at no charge to ensure you roof has credible damage. We will give you an honest assessment and if you have no damage, we wouldn’t encourage you to file a claim.
Your insurance will send an adjuster out to inspect for damage. We recommend having a Haag certified contractor be there for your adjuster meeting to ensure your insurance is paying for everything damaged and not cutting corners like paying for half of a roof or not following county code.
After your roof is approved by your insurance company, you can expect us to replace it within 2 weeks. We offer a 10-year labor warranty and several manufacturer warranties as well, all at no extra charge.
It is simple. Your area was hit with significant hail and your home most likely has damage. We work with your insurance company to get your roof approved and in 2 weeks, you will have a brand new one. This is the first time it sounds too good to be true but it isn’t. Give us a call today at 410-569-1732 or contact us for more information. It is definitely worth at least a phone call to learn more!

As a general contractor, we often advertise ourselves as a one-stop shop of sorts for customers. This is because we can do everything from a full kitchen or bath remodel, exterior work like new roof or siding, decking and porticoes to full restoration services for after a fire or water loss. That doesn’t mean, however, that we’re a jack of all trades and master of none. You see, within our company, we have people who specialize in each individual field.

The benefit of being an established company with over 26-years of experience is that we are able to hire the most skilled individuals in each field. We have project managers that just work within storm damage insurance claims and project managers that only work on large losses. We have those who specialize in retail and those who work behind the scenes with the project managers on the coordination of each job trade.

Getting the Best Service…

By structuring our business this way, our team is able to fully master their trade. The complexities on a fire rebuild will be vastly different than that of a retail kitchen. It doesn’t make sense to have one person try to master both. It would be like having your general practitioner perform surgery in place of an actual surgeon just because he went to medical school.

When you work with a general contractor, be sure to bring up this point. Many companies have the same project managers writing retail estimates, working on hail claims, and also working on water losses. No one can do it all well and you are better off working with someone who specializes in the service you are looking to have done. This ensure you are truly getting the best possible service.

The First Time Too Good To Be True Doesn’t Apply

Jack of All, Master of None