Hail Damage- roof, siding, guters and trim
We recently had a large hail storm...baseball size hail (cant post links so Google search Fishers, Indiana hail storm) in Indiana. I had my adjuster out few days ago and he said that they would only replace the roof, gutters, repaint wood trip and power wash ceder fence...and rework/ replace the siding on the damaged side of the house (basically 1 out of 4 sides) . I have had a few contractors provide me quote for the damage (roof, siding, gutters, fence, wood trim, etc.) and some have indicated that the siding should be replaced by the home owners insurance if the siding is out of style and doesn't match...is that true? We have our home owners insurance through the Hartford. If they insurance company does pay to replace more siding I am tempted to do so myself because I am considered the 18 year old siding will look strange next to the new stuff...anyone have any tips or ideas here?
Also does anyone have any opinions on have a general contractor (damage repair specialist) represent you with when deal with the homeowners insurance company vs. you working with several different contractors and deal with the homeowners. What should I be looking for in a contractor besides...material, location, services records, etc...
I am a little nervous about hiring a contractor that does them all because each trade is different and what the work done with a high quality.
This is my first time claiming on the homeowners and some contractors will not provide quotes unless you sign a contract basically saying you are out of the loop and general contractor will be working directly with the insurance company and all money will be paid to the contractor....this seems strange and I have stayed clear of this.
I got an estimate from my adjuster for the damage...just over 12k and based on the quotes thus far this is low by about 2K...what should I do next? Some contractors want a copy of the insurance estimate before they give me a quote...is this ok or am I saying here is the price I am already willing to pay for the job?
I am tempted to get a local contractor i feel good about work with the insurance company.
I know it a lot but any help would be great! Thanks, P