Negotiating with Your
Insurance Company

Don’t be bullied by big insurance!

Negotiating with your insurance company can be an overwhelming obstacle, especially if what you are negotiating for isn’t your purview. Roofs Restored has been having such “conversations” with insurance companies for years now. I’ll teach you how using reasoning and tenacity can help convince your insurance company to get you what you deserve for your roof replacement.

It's obvious that insurance providers are in business by RECEIVING your money, not GIVING you money

So it isn’t surprising when your insurance provider doesn’t give you as much money as you expected to receive for damages to your property or just doesn’t pay you at all. We are receiving a lot of calls right now from frustrated clients who are ticked off at their insurance providers for this exact reason.
Don’t be bullied by big insurance! Here is how YOU, the homeowner, can negotiate with your insurance provider:

Time to play Hardball!

Negotiating using Logic and reasoning

Another issue we hear often is the insurance provider asking the homeowner to get multiple bids. Let’s give a story for our next example. You get into a car wreck (heaven forbid), and you call a tow truck. That tow truck will ask you where you want to tow your car.

You happen to know a good mechanic in town that everyone knows, loves, and trusts. So you ask the tow truck to bring your vehicle to that shop. The mechanic inspects your car and gives you a quote on how much it will cost to restore it to the pre-wreck condition.

You then call your insurance and tell them the info you now have. What are they going to do? Ask you to tow your car to 3 other mechanics to get more bids? NO! So if you KNOW you have a contractor that you trust, love, and want to use, why do you have to go through all the extra hassle to get multiple quotes?

You have a hole in your roof! You don’t have time to jump through fiery hoops for your insurance provider. And do you realize how overwhelmed the roofing contractors are in the affected areas? By the time you get those three additional quotes, you could be getting more water damage in your home.

You know what? Run that by them as well. Say, “Yea, sure, I’ll wait another two weeks for all your quotes to come in. And then, since I waited two weeks JUST FOR QUOTES, now I’m on a two-month waiting list for the ACTUAL roof to get installed. And by that time, you can replace my sheetrock, ceiling, appliances, and anything else that gets damaged. You choose.” Put that ball in their court!

Prove contract credibility
To insurance providers

Another way negotiating with your insurance company can be made a little easier is by proving to them the contractor you chose is a quality one. You can either choose a quality contractor who is licensed, insured, and backed by the manufacturer because of the amazing job they do, OR you can choose the cheapest guy (the one your insurance provider wants). Gone with him is any assurance of a quality install.

One of those roofs will have a higher chance of lasting through the brutality of the Southeast’s weather, while the other will fall to pieces in a couple of storms. And guess who gets to pay for that roof replacement in a shorter time frame? Your insurance provider! Run that by them and see if they would rather potentially replace a roof in 5 years or 25 years.

Give proof to your insurance provider that the contractor you are using is licensed and insured. It could help if they are reputable as well. However, that last one doesn’t REALLY play a huge role, but it couldn’t hurt.

I can’t guarantee 100% cooperation, but I can at least say it will increase your chances. We all agree 2021 is a crazy year, so we are playing some crazy games to get through it. But you can do it! Get out there, be compelling, be persistent, be honorable, and get through it.

Here is a helpful insurance guide you can download to help you through the process.
Residential Insurance Process Guide

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