Rhode Island’s Most Trusted Public AdjusterS

Public Adjuster for Roof Damage in Rhode Island

The longer you wait to address a roofing repair, the likelier it will worsen. We’re here to help make the insurance claim process easier when handling roof damage. We understand how difficult dealing with your insurance company can be, so we’ll manage all the work for you. 

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    While some small roof leaks often seem insignificant, they can become severe problems if you neglect them. Quickly repairing any issues should be your highest priority, as even the slightest water damage to your roof can threaten other parts of a structure. The longer you wait to address a roofing repair, the likelier it will worsen.

    At Performance Adjusting, we’re here to help make the insurance claim process easier when handling roof damage. We understand how difficult dealing with your insurance company can be, so we’ll manage all the work for you. With over 15 years of experience helping our customers with roof problems, we have the knowledge and expertise it takes to get the most out of your insurance claim.

    Roof Damage Claim Help

    Damage to your roof can occur for a wide variety of reasons. From age to tree branches to wind and snow, many different elements can affect the health of your roof. Because your roof is the most exposed part of your structure, it’s also the most vulnerable.

    Most times, homeowners insurance covers the damage from a roof leak. Insurance companies use the term covered peril, which refers to a situation or weather-related event when damage occurs due to a natural disaster. When an accident or a covered peril is the cause of the damage, your insurance company will likely handle the repair expenses.

    However, when a roofing issue worsens over time, the burden of getting it fixed can fall on you. Cases when insurance might not cover repairs include those with damage caused by:

    • General wear and tear
    • Mold
    • Animals, pests or rodents
    • Wet rot
    • Improperly coded materials
    • Construction errors
    • Neglect 

    If the expenses of repairing a roof fall on your shoulders, the financial responsibility can be overwhelming. That’s why it’s important to stay proactive in maintaining your roof. Some of the risks and consequences caused by untreated roof damage include:

    • Wasted energy and higher utility bills: Should water seep into your framing and insulation, the insides of your walls stay wet, resulting in the loss of both cool and hot air.
    • Mold and mildew: Any amount of standing water can quickly lead to mold or algae growth. If not addressed immediately, it can rapidly spread to some of the most vital systems in your structure, including HVAC ducts.
    • Health concerns: Areas of untreated mold and mildew can lead to serious health concerns like nasal congestion, asthma and rhinitis.
    • Fire hazards: If a water leak makes contact with your electrical system, a shorted wire could pose a significant fire threat.
    • Structural integrity: Water intrusion can quickly compromise some of the most critical structural components of your property, including ceilings, rafters, framing and joists.

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    How to Get Insurance to Pay for Roof Replacement

    At Performance Adjusting, our job is to handle the entire insurance claim process for you. We’re a public insurance adjuster, which means we work for you and not your insurance company.

    Our goal is to get the most money possible to cover your roofing repairs or a replacement. There’s no need to deal with a roof damage insurance adjuster from the outside because we’ll handle the entire process every step of the way. 

    Here’s a step-by-step outline of our process:

    policy review

    We’ll review your insurance policy to figure out how we can help.

    Relocation

    If you need temporary housing, Performance Adjusting will help you find it.

    on-site analysis

    Our expert technicians will visit your property and examine the damage to form an estimate.

    photo inventory

    We’ll take detailed pictures of the damaged portion of your roof to warrant our estimates.

    communications

    Performance Adjusting will handle all the lines of communication with your insurance company.

    Follow-up

    We’ll stay on top of your claim until you get the money you deserve.

    Once your insurance company awards your settlement, our only charge to you is a 10% adjusters fee.

    You can reach us any day, any time. Request a FREE consultation, for your water damage insurance claim in RI and we will get right back to you.

    Recoverable Depreciation for Your Roof

    Depending on your policy details, your insurance company may include recoverable depreciation for your roof damage. Recoverable depreciation refers to the value of the roof at the time of the accident. For example, if you need an entire roof replacement, the amount of your claim will reflect your roof’s value right before the incident that caused the damage instead of awarding you the total original purchase price.

    At Performance Adjusting, we have experience dealing with all elements of insurance, including recoverable depreciation. If you have this feature in your policy, we’ll ensure you get the highest possible amount for repairs and the depreciated value.

    Contacting Performance Adjusting

    Before you contact your insurance company to address your damaged roof, reach out to the team at Performance Adjusting to help get the claim process started. For a free consultation, call us at 401-724-9111.

    Frequently Asked Questions

    Yes. Depending on the accident and insurance type, Performance Adjusting can assist with a claim up to two years or longer from the date of loss, even if you've already received payment.

    A quick inspection should include looking for missing, lifted or folded shingles. Harm to gutters and spouting could also indicate potential roof damage.

    Performance Adjusting will handle all the estimating for you.

    Depending on the policy details, the final cost to replace your roof depends on the extent of the damage, the contractor and the claim's value.

    The best place to start is with Performance Adjusting. We'll put all the necessary details together before contacting your insurance company.

    Ready to Get More Money for Your Water Damage Insurance Claim?