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 filing an insurance claim doesn’t have to be a nightmare.
The insurance claims process can be a hassle, but it doesn’t have to be painfully slow or overwhelmingly complex. We know the ropes and will guide you through each step of the claims process. And we’ve got your back so that every penny owed to you finds its way towards your repair or replacement costs.
The roof replacement process begins with a complete inspection of the roof’s current condition, including all roofing components. The inspection may include other areas of the property to help substantiate the need to file a claim.
- Analysis & Remedy
The extent of the roof repair or roof replacement required will be determined by 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 perform as well or better than its previous version.
All photo, video, and written evidence collected are documented by insurance claims specialists that understand the complexity of the process and can work with and respond to insurance provider requests immediately.
- 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. In some cases, insurance companies will ask that your roofing contractor inspects 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.
- Coverage & Deductible
Any information concerning your specific coverage or deductible amount about your potential 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, they will have their own adjuster write a claim for you. Sometimes, 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.
- 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.
Will my insurance company pay for my roof to be replaced?
Yes, if the damage is a covered peril under your homeowners’ policy, such as an act of nature like wind or hail. It would also pay if repairs to the roof would not be feasible.
Does the age of my roof matter?
No, the age of the roof will not determine whether you get a claim or not. The type of damage and if it is covered under your policy determines if your insurance provider will pay. The type of policy you have will determine the amount you are paid.
Will I get the same quality as I have now?
Yes, unless you choose differently. Most insurance companies pay for “like kind and quality”. If you substitute with lower quality roofing components to “save money” you will void your warranty with most manufacturers.
Can I request to get an upgrade on the materials being used?
That is always an option. But understand that any increase in grade or quality of materials that raises the price above what was comparable for the original roof will be your responsibility.
This is actually a great time to consider upgrades since the insurance company is going to absorb the bulk of the cost. If you suffer a subsequent covered loss on the new roof, you’ll be paid for what it takes to repair or replace that roof and its higher-grade materials. Sometimes a higher or better quality of roof can contribute to a lower premium for the same type of insurance coverage. Check with your insurance policy, agent, or insurance claim specialist for clarification.
If I get bids lower than what my insurance company paid, can I keep the difference?
It all depends on how you are paid. In rare cases, you could keep the difference. Here’s an example:
The insurance company paid you in full, less your deductible, and the amount you owe for the work performed was less than the insurance payment. This is extremely rare and may be because the work performed was less than what the insurance company paid for or expected would be done.
In almost all other cases, the answer is no, because of the way the insurance company makes the payments: ACV vs. RCV.
Companies & Providers
We work with all major insurance providers. Below is a list of some of the more popular providers that help homeowners and property managers navigate the claims process.
→ FM Global
→ Allied Mutual
→ The Hartford
→ State Farm
→ Liberty Mutual
→ Hochheim Prairie
Berridge Approved Roofing Contractor
Versico Good Metal Quality Contractor
Owens Corning Preferred Contractor
CertainTeed Shingle Master
GAF Master Elite Contractor
IKO ShieldPRO Contractor