Residential Insurance Claims
If mother nature has wreaked havoc on your roof, or underlying issues lurking since the day of its build have finally reared their ugly head, at least the process of filing an insurance claim doesn’t have to be nightmare. We know the ropes and will hold your hand through the sticking points to get your roof back on straight as quickly as possible. And if there’s pushback from the insurer for the wrong reasons, we’ve got your back so that every penny owed to you finds its way towards your repair or replacement costs.
Claims Process
The insurance claims process can be a hassle– we know, we do this all the time. But it doesn’t have to be painfully slow, overwhelmingly complex, or criss-crossed with tripwires and resistance, exactly when you’re most concerned about keeping a roof over your head.
As a life event, it will in all likelihood be a first for most homeowners (and hopefully the last.) Experienced guidance on your team is the best tool to simplify the process and receive your payout fairly and efficiently.
And if your claim’s denied, we’ll be with you every step of the way towards formulating a response. We’ll carefully analyze the insurer’s position and turn up the important details favorable to yours that are too often overlooked.
1. Inspection
The roof replacement process begins with a complete inspection of the roof’s current condition, including all roofing components for any storm-related damage. The inspection may include other areas of the property to help substantiate the need to file a claim.
2. Analysis & Remedy
The extent of the roof repair or roof replacement required will be determined by numerous factors including, but not limited to, the amount of damage, availability of materials, and the age of the current roof.
A remedy or solution is then crafted to ensure that the roof will be returned to its previous state or better.
3. Documentation
All photo, video, and written evidence is documented by insurance claims specialists that understand the complexity of the process and can work with and respond to insurance provider requests immediately.
4. Claims Submittal
In most cases, a claim can be made by simply calling the number on your insurance policy or making a call to your agent. However, in some cases, insurance companies will ask that your roofing contractor inspect the roof or submit a quote to them beforehand. All documentation is then submitted to the owner or directly to the insurance company for review and ultimate approval.
5. Coverage & Deductible
Any information concerning your specific coverage or deductible amount about your possible claim can be found in your insurance policy or general questions can be directed to your agent.
If a claim is approved by your insurance company, most often they will have their own adjuster write a claim for you. In some cases, they have your roofing contractor write a quote for their review. In either case, the roof is written to be restored back to the like kind and quality. The final amount must be approved by them and any depreciation and/or deductible will be taken from this amount.
For more information see FAQ’s below.
6. Repair & Replacement
Determined by the initial inspection, once the claim has been approved the required roof repair or roof replacement process takes place just like a normal project.
FAQs
Companies
Our customers are insured by many different companies and we can assist you with your claim using our knowledge and past experience. Below is a list of insurance companies that insure some of our customers.