Insurance

The Brady Step-By-Step Insurance Process

1. Inspection

Brady Contracting representatives are trained on inspecting and assessing for storm related damage. Our team will inspect all aspects of your property from the roof to the elevations, as well as any personal property. A team member will provide you with a fair evaluation and determine if the damage found merits filing an insurance claim.

2. File a Claim

Once storm related damage has been found on your property, the next step is to file a claim with your insurance carrier. Upon filing a claim, your provider will give you a claim number and schedule a time for the insurance adjuster to come to your property to perform an inspection.

3. Adjuster Appointment

An adjuster will be sent to your property to preform their own inspection and prepare an estimate for repairs. It is advantageous to have your Brady Contracting representative present for this inspection so that both parties can work together to ensure all damages are accounted for.

4. Project Planning

Once you have an insurance estimate, you are ready to proceed with project planning! Brady Contracting will help you understand your estimate and clarify exactly how the process works. From there, the scope of work will be finalized with your representative, and then all you'll need to do is relax while our team takes care of everything!

5. Construction

Brady Contracting will provide all necessary permits, material and labor. We take pride in providing a clean and safe work environment throughout the duration of each project. We will protect all landscaping, clean up all debris, and run an industrial magnet through your yard upon completion.

6. Invoice

Once the storm restoration work has been completed, Brady Contracting will perform a final inspection and send the final invoice to your Insurance Company.

7. Payment

After the invoice is reviewed, your insurance company will release all remaining funds in a check written out to you and, if your property is financed, your mortgage company. At that time, you will send the check to your lender to sign and return to you so that you can then make final payment to Brady Contracting.

Gulf storms with high winds and quarter-sized or larger hail can cause substantial damage to roofs, siding, gutters, downspouts, windows, doors, paint, decks, fences, sunrooms, and any other exterior component of your home or business. It only has to hail for a few seconds for property to sustain damage.

Building materials absorb hail impacts differently. For example, hail can cause dings in aluminum siding, gutters or asphalt shingles, whereas it can crack vinyl siding or wood shakes. Large hailstones can be dense enough and strong enough to puncture a roof. Additionally, the age and condition of a roof could affect the degree of damage.

Damage to the roof is not always visible from the ground. Strong wind gusts can rip loose shingles causing exposure of roofing underlayment and eventual leaking. Wind-driven hail causes composition asphalt roofs to suffer granule loss. Granule loss causes premature UV sun-related cracking of the protective asphalt underlayment, decreasing the life expectancy of your roof.

Yes. If your home is located in an identified storm damaged area, it will be flagged by an appraiser during the resale process. During resale, your home will be inspected for hail related damages. If your home is found to possess damages that have not been repaired, the resale value of your home will be lowered accordingly. You have a limited period of time to file a hail loss claim, so please address this issue now rather than later.

You are entitled to two inspections, by two different adjusters representing your insurance company. Denied or partial claims often stem from insurance companies changing the scope of what they are covering under their hail policy. Initial inspections, especially those performed without a contractor present to advocate on the homeowner’s behalf, are often held to more stringent guidelines. If you notice neighbors getting substantial amounts of work done on their homes, have your home inspected by a knowledgeable contractor. If the contractor feels there is more damage than noted in your first adjustment, call your insurance company and request a re-adjustment. This is not an unusual request so do not be afraid to exercise this right. Have the second adjuster meet with your contractor of choice and jointly re-inspect the property. If the damage is there, you should achieve a more favorable outcome.

F.A.Q.s

Click the boxes below to review frequently asked questions.

Insurance

1. Inspection

2. File a Claim

3. Adjuster Appointment

4. Project Planning

5. Construction

6. Invoice

7. Payment

What is hail damage and how do i find out if my property has been affected by the storm?

Will failing to identify and repair my home for hail damage affect its future resale value?

My claim was denied or my insurance carrier only paid for some repairs. What can I do now?

F.A.Q.s

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