Gas Station Canopy Repair Insurance Process
If it’s the first time you’ve dealt with getting your gas station canopy repaired, you may have some questions as to how the insurance process works and what you should expect.
What does the insurance process look like?
While dealing with insurance issues is never anyone’s idea of a good time, usually the process is quite seamless if you’re working with a quality insurance agency and an experienced repair contractor. Below is a basic, step-by-step guide of the whole process:
Step 1: Contact Your Insurance Company
When you’re in need of gas station canopy repairs, the first step is to contact your insurance company and explain what’s going on. They’ll ask you some basic questions about the damage and, if you’re not sure, they can let you know what types of incidents your policy covers.
Usually, they only cover destruction that happened suddenly or because of a specific event, and policies don’t typically include normal wear and tear that happens over time. In most cases, insurance companies cover things like storm damage or a truck hitting the canopy. Occasionally they’ll pay for harm inflicted by birds, but not very often. If it seems like your policy will cover at least part of the repair expenses, the insurance agent will file your claim and arrange for an insurance adjuster to come out and examine the damage.
Step 2: The Insurance Adjuster Inspects Your Property
After talking with your insurance agent, you should expect to hear from an insurance adjuster in the next one to three days. He or she will arrange a time to visit your property and inspect the canopy. Based on the schedule of the adjuster, it may take one day to a few weeks before they perform the inspection. You can expect the adjuster to closely examine your canopy as well as the entire property, so they can get a clear idea of how the damage happened. The adjuster will write up an estimate of what it will cost to make the repairs and will then submit that information back to your insurance company.
Step 3: Hire a Contractor
While some people choose to do this step after they’ve ironed things out with their insurance company, it can be a smart idea to get in touch with a contractor early, so they can provide you with their own repair cost estimate that you can compare to what your insurance company offers. Some contractors will even help you navigate through the insurance process and make sure you get the best insurance settlement possible. Finding the right contractor is arguably the most important part of this process, since you want someone who will get the job done right and not waste your money as well as the time and effort that it took to file the insurance claim. So, make sure to hire a contractor who’s experienced in gas station canopy repairs, has a good reputation, and can show you examples of their work.
Step 4: Get a Settlement Offer from Your Insurance Company
Your insurance company should reach out to you within a few days to several weeks after the adjuster sends them his report. They will let you know if the damages are indeed covered by your policy and the amount of money that they plan to give you. At this point, you can challenge the offer or accept it and move on. The amount of money that you receive will vary depending on how much the insurance company thinks the repairs will cost (based on the adjuster’s information) and what percentage of that cost is their responsibility to cover. For instance, they will only send you the cost of the repairs minus your deductible.
Step 5: The Contractor Makes the Repairs
After you get your settlement check from the insurance company and agree upon a price with the contractor, the final step is to get the repair job done. The contractor should inform you of all pertinent details of the project, including when he’s going to start, how long it will take, and if there will be any disruptions to your business. The time length of the project will vary depending on the amount of damage sustained, but in some cases, the contractor may offer 24-hour emergency repair services if the canopy is unstable and poses a safety hazard. In such emergency situations, make sure to still get in touch with the insurance company first, so they can tell you exactly what steps to follow if you’d like to get the repairs done before the insurance claim is complete.
Why Choose Us for Your Gas Station Canopy Repair
Getting your gas station canopy repaired can feel like a burdensome process that is sometimes more complicated when you also involve insurance companies. However, with a knowledgeable, skilled contractor by your side, it can be a headache-free experience. Our team has the skills and know-how to ensure the job gets done right and that you get the most from your insurance claim. If you’re curious how we’re different from other contractors, here are 7 things that make us stand out from the competition.
When to Start the Insurance Process for Gas Station Canopy Repairs
Any time there’s damage to your gas station canopy, you should take care of the problem right away. Don’t hesitate to call the insurance company if you think the repairs are covered under your policy. The sooner you get the claim started, the faster you’ll get settlement funds and can begin the repairs. It’s also equally important to contact an experienced contract adviser right away, like the contractors at Tom Sawyer Construction. We’ll help you move speedily through the insurance process and make sure the adjusters don’t miss a thing.Submit a Quote Request
1. We are Insurance Specialists
For years, we’ve helped our customers negotiate with their insurance companies and get accurate settlements. This has given us a deep understanding of how insurance claims operate and what types of repairs are usually covered. We are also proud to have a licensed, experienced insurance adjuster as part of our team who has firsthand knowledge of how things work on both sides of the insurance process. What’s more, we’ve even written estimates on behalf of insurance companies and are a trusted resource in this field.
2. We Understand Every Line Item on Insurance Settlement Quotes
All insurance adjusters are not created equal. This means that, depending on their knowledge, attention to detail, or simply how busy they were on the day of inspection, the adjuster may or may not itemize all the repairs you’re entitled to. Anything the adjuster fails to document will lower the settlement amount that the insurance company gives you. What you may not realize is that you don’t have to accept the first settlement offer that the insurance company provides. You can enlist the help of a contractor adviser to provide a real estimate of what it will take to perform the repairs and submit that estimate to the insurance company.
We have a complete understanding of every line item on insurance settlement quotes, so we’ll know right away if the insurance company failed to consider a certain aspect of the repair when deciding how much they’re going to pay. We’ll make sure a rookie or overworked adjuster doesn’t underestimate how much it will actually cost to make the necessary repairs or completely miss something that you’ll need to fix in the future. In many cases, we’ve helped our clients get settlements that were thousands of dollars more that what the insurance company originally offered. No matter what, we’ll work hard to make sure you get a fair and complete settlement.
3. We Recognize Storm Damage
It’s not uncommon for you to have storm damage on the canopy, but the insurance adjuster will wrongly categorize it as some other type of problem. Storm damage is generally covered by insurance, so if any part of it is overlooked, that could lower your settlement amount. At Tom Sawyer Construction we work on gas station canopies every day and know what they look like in every type of condition. And, as mentioned, we have a licensed insurance adjuster on the team. All that’s to say, we know storm damage when we see it. With our knowledge, we’ll make sure that no storm damage is overlooked, so you can get the settlement amount that you deserve.
4. We Help You Understand the Insurance Process
Whether you’ve filed an insurance claim before or if this is the first time, it can feel overwhelming. The insurance company may bombard you with a bunch of terms that you may not understand, and it can feel like a whirlwind trying to make sense of your specific policy, deductibles, settlements, and more. The good news is, we’re here to help. We’ll explain every detail of the insurance and repair process in simple, easy-to-understand language and answer all of your questions – that way you can make sense of what’s happening every step of the way.
5. We Do All the Work!
When you need gas station canopy repairs, we’re a full service operation. This includes everything from providing a repair cost estimate, helping you through the insurance process, performing the fixes, and so many other services in between. We are experts in canopy raises and repairs and can install new canopy roofs, fascia, soffits, gutters, and more as needed. We can even paint repaired or replaced areas to perfectly match the existing canopy. And through our years of successful work, we’ve developed techniques that allow us to significantly reduce the time it takes to complete canopy projects. We take pride in being at the top of our industry and have a variety of credentials to back up our reputation, including having HAAG certification and being members of the National Roofing Contractors Association (NRCA).
6. We Offer Peace of Mind
One of the most valuable things you can have in any stressful situation is peace of mind that things are being handled properly. This is what we offer. We’ll represent you during the insurance claim process and help return your gas station to how it was before the damage occurred (if not better). With our high level of expertise in this area, you can rest easy knowing that you have someone on your side who will make sure you aren’t short changed by the adjuster, and when it’s time for repairs, you can feel confident that we’ll get the job done right and give you the most value for your money.
7. We’re Here to Help, Regardless of Insurance
If your insurance policy doesn’t cover the particular damage that you’re dealing with, we’re still happy to work with you and provide options that fit within your budget. Gas station canopies take a beating every day from the elements and careless drivers, which can lead to dents, grime buildup, and loosened fascia and cladding. These unsightly issues can cause customers to drive past your business and instead stop down the road at a more attractive station. Not to mention, if you don’t correct even minor structural damage, it will only get worse over time and lead to expensive repairs and possible liability issues.
Some of the “small” issues that you should keep an eye out for are dents or dings from vehicles, loose cladding, and rust colored stains coming down the canopy or posts. Preventative maintenance will help protect one of the biggest investments at your station. Basic services like a gutter cleaning and sealing can prevent leaks and eliminate buildup that can cause the metal canopy to erode and rust. Likewise, regular pressure washing can clear away dirt and grunge from vehicle exhaust, which will prolong the paint and coating. Although these maintenance services aren’t covered by insurance, they’ll keep your canopy in top condition, so when destruction from accidents or extreme weather does happen, there will be no debate about when the damage occurred.