Insurance Claims

When the weather takes a turn for the worst damage to your home can be severe. St. Clair Corporation works with your insurance company to get you and your home back to normal.

After a storm, a professional who can assess the damage should physically inspect your home. St. Clair has an This e-mail address is being protected from spambots. You need JavaScript enabled to view it that specializes in accessing storm damage and will inspect your property at no charge to you.

Roof:  Hail crushes granules of shingles, if the hail is large enough it will crack and break through shingle fibers. Shingles may break free from your roof during a wind storm. St Clair Corp can tarp off your roof and contain the damages until your insurance company accesses your property. Even if the roof has minimal hail damage, you have a valid insurance claim.

Gutters: In most cases if your roof is damaged by hail, so are your gutters

Siding: Hail will crack vinyl siding, and dent almost all other types of siding including: aluminum, steel and some wood. High winds can blow siding off of you home

Misc. items:  Inspect windows, aluminum wrap around windows, doors or fascia, decks, fences, ac units, awnings or car ports, garage doors, exterior lights, and mailboxes

Making an insurance claim

1. Inspect the damages from the ground and write down the date of the storm
2. Get an assessment from your This e-mail address is being protected from spambots. You need JavaScript enabled to view it
3. If recommended from your This e-mail address is being protected from spambots. You need JavaScript enabled to view it , file your claim
4. Meet with your Insurance Adjuster and discuss what repairs are covered
5. The Inspection has been completed by Adjustor
6. Getting you Insurance work completed with St. Clair Corporation  

After you receive the report from your Insurance Company call St. Clair Corp to set up an appointment. The Insurance Company will have a RCV (Replacement Cost Value) for each damaged area. The Insurance Company will also hold back some of your money (Depreciation) and will pay that money upon a signed contract with St. Clair and completion of the work.  You or St. Clair will need to submit detailed invoices and contracts to receive the depreciation money and the amount needs to line up with the RCV price give by the Insurance Company.  If the Invoices are less than the RCV price being paid out by the Insurance Company, that difference will be deducted on your final payment given to you by your Insurance Company.