The importance of sharing your insurance declaration page with your project manager:

Every insured homeowner will have both a full insurance policy as well as a declarations page for their homeowner’s insurance. While the full homeowners policy can be 30+ pages long with all the intricate details of the coverage provided, the declarations page is meant to be a more digestible summary of coverages. These coverages include

  • Which types of losses are covered
  • The limits your insurance will pay out for your dwelling
  • Your specific deductible amounts for each loss category
  • A host of other endorsements applied to your specific policy

Since each policy is written individually, knowing your specific coverages and limits can drastically change how a claim is handled by your insurer.

While many homeowners have good relationships with their agents, those agents have very little to do with the underwriting or claims process. Furthermore, insurance agents often do not have a full understanding of how their own claims departments assess claims or how they interpret policy language. Most homeowners we encounter are actually unaware that changes to their policy can, and often do, take place each year without their knowledge upon renewal. To avoid unforeseen issues, it is vital for the homeowner to have representation in the claims process by a third party with knowledge and experience handling insurance claims.

At Peachtree Restorations, our highly-trained project managers are experts in reading policy as well as inspecting for storm-related damage to your home. Many roofers will overlook the policy review and file claims in volume, hoping for the best. Our thorough inspections prior to filing, review of the policy, and use of a state-licensed Public Adjuster means that we put time, energy, and resources into your claim before even filing, and at no cost to you! That investment by Peachtree Restorations means we are very selective with the customers we take on so you have peace of mind that we are not filing unwarranted claims.

As insurance companies absorb record losses and pull out of “risky” states like California and Florida, they are also making numerous changes in states where they are still active to ensure profitability. One change we have seen is a reduction in full coverage of the roofing system after the roof reaches 15 years. Another common practice we now see is an increase in deductibles, wind/hail-specific deductibles, and a clear shift from flat deductibles to a percentage of the property, which tends to rise over time.

With all these changes happening so rapidly, it puts the onus on the homeowner to quickly become an expert at both roofing and insurance. At Peachtree Restorations, we feel you have enough to juggle these days as a homeowner, and we believe it is our role to guide you through this process as painlessly as possible, utilizing our experience to get you what you deserve.