Modern Remodeling MD

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5020 Campbell Blvd STE B, Nottingham, MD 21236
Tel. 410-569-1732 · 24/7 Emergency Services

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Is Your Insurance Estimate Up to Code?

May 15, 2018 By Modern Remodeling

You trust your insurance company to do the right thing. After all, you are their customer and you pay them money to protect you. That’s why most homeowners don’t bother to double check their insurance company’s estimate; they just assume everything is correct like adhering to county code. Unfortunately, that is rarely the case for a number of reasons…

  1. Out-of-State adjusters: When a widespread event happens like a wind or hail storm, insurance companies are inundated with claims. They often have to bring in adjusters from other states to help manage the workload. These adjusters rarely know local code ordinances, so their estimates don’t include them.
  2. Another way to save money: Whether or not we like it, the truth is insurance companies care about their bottom line more than their customer. If they can cut corners without the policy holder knowing, they will. They often leave out code items purposefully to lessen their cost.
  3. Living in the Grey: Insurance companies love to make a grey area, even when one doesn’t exist. We’ve heard every excuse in the book for why code items are excluded… “They are code but they aren’t enforced, so we don’t include them unless they explicitly say they’re enforced” is our favorite.

Insurance estimates can already feel like they’re written in another language, how are you supposed to decipher them at all, let alone check for code items? That’s why we recommend you hire an expert to work on your behalf, like Modern Remodeling. We are an insurance contractor with over 28-years of experience. We help customers understand their insurance estimates and ensure everything owed is included, like code items. If you need help with your insurance claim, feel free to call us at 410-569-1732 or contact us directly.

Filed Under: Hail Damage, Restoration, Roofing, Storm Damage, Uncategorized, Wind Damage Tagged With: baltimore county roofer, county code, harford county roofer, insurance estimate, wind damage, wind damage insurance claim

Why Your Insurance Adjuster Meeting is Critical

March 13, 2018 By Modern Remodeling

After you file an insurance claim, the very next step in the process is to have an adjuster meeting. In our opinion, this is the most critical step in the entire process of repairing your home.

Modern Wind Damage Roof Repair

What Happens at the Adjuster Meeting?

Your insurance company will send a representative, called an adjuster, to inspect the damage to your home. The adjuster works for the insurance company either internally or as a third party hire. The adjuster’s job is to verify insurance claims and determine a fair amount for settlement. The adjuster will ideally (but not always) thoroughly inspect your home and either approve or deny your claim. If they approve your claim or part of it, they will write an Xactimate estimate for repair which outlines the scope of work and price for repairs.

Why is this Meeting So Important?

Adjusters often try to convince property owners to accept less money than their claim is worth. After all, they work for the insurance company. Insurance wants to pay for as little as possible to protect their bottom line. This leaves homeowners with insufficient funds to properly repair their homes. Some ways adjusters do this is by paying for only part of your roof or siding, not including things like county code upgrades, or flat out rejecting the claim all together. The adjuster meeting is when these decisions are made, which is why it’s so important.

How to Ensure Your Repair Estimate is Fair

Although, you can make adjustments to the estimate your insurance adjuster provides, it’s a long and sometimes contentious process to do so. The most efficient way to ensure your repair estimate is fair is to agree on everything at the adjuster meeting. Modern exclusively specializes in insurance claim work and we attend over 500 adjuster meetings a year. Unlike the adjuster, we work for the homeowner and act in their interest. Our project managers attend training year-round to be better educated in hail and wind damage. We’re able to point out damage the adjuster might’ve missed or remind them of local code enforcement. Call or contact us to learn more about what we do at adjuster meetings or to have us look over your insurance estimate if you’ve already received it.

Filed Under: Roofing, Slider, Storm Damage, Uncategorized, Wind Damage Tagged With: insurance contractor, roof repair, wind damage insurance claim, wind damage roof

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5020 Campbell Blvd STE B, Nottingham, MD 21236  ·  Tel. 410-569-1732  ·  Fax 410-497-9327
MD License #83702 ·  Class A License # 2705 049384A ·   Serving the D.C. Metro area

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