We Speak Insurance

Your insurance company has a vested interest in keeping your home dry and leak free.  After all, they pay for interior damage too, which has the potential to cost much more than the roof!  Simply, a quality roof protects them just like it does you.

Problems developed when they took the cheapest of 3 estimates.  You can imagine.  Problems that cost allot more later!

So the industry developed a solution.  Standardized pricing.  A job is worth "x", down to the last shingle.

Great News- Now you don't have to pick the cheapest estimate, you get to pick your best roofer!

"Insurance is a process" as described below.  No worries, we can make it painless....pretty much!

Document the Damage:

After a storm, hail, or any event that may have caused roof damage, carefully inspect your roof. Document the damage with photographs and videos, making sure to capture details of the affected areas.

Review Your Insurance Policy:

Familiarize yourself with your homeowner's insurance policy, paying special attention to the section covering roof damage. Understand your coverage limits, deductible, and any specific requirements or exclusions related to roofing.

Contact Your Insurance Company:

As soon as you notice roof damage, contact your insurance company to report the incident and initiate the claims process. Provide your policy number and a brief description of the damage. They will assign a claims adjuster to your case.

Schedule an Inspection:

The insurance company will typically send an adjuster to inspect the roof and assess the extent of the damage. Be present during this inspection to point out and discuss the damage you've documented.

Obtain Multiple Quotes:

While waiting for the adjuster's report, it's a good idea to get estimates from local roofing contractors. These estimates can serve as a basis for negotiation and ensure that you have a clear idea of the repair or replacement costs.

Review the Adjuster's Report:

The adjuster will provide a report detailing the extent of the damage and their recommended repair or replacement cost. Review this report carefully to ensure all damages are included.

Negotiate if Necessary:

If you believe the adjuster's assessment is insufficient to cover the repairs adequately, you can negotiate with the insurance company. Provide your estimates from reputable contractors and any additional evidence of damage.

File a Formal Claim:

Once you and the insurance company agree on the extent of the damage and the compensation, file a formal claim by submitting the necessary paperwork provided by your insurer. This often includes a Proof of Loss form.

Meet Your Deductible:

Pay your deductible as required by your policy. The insurance company will cover the remaining cost, up to your policy's limits.

Schedule Repairs or Replacement:

With the claim approved, schedule the repairs or replacement with a licensed roofing contractor. Ensure that the contractor is experienced in working with insurance claims.

Keep Records:

Throughout the process, keep records of all communication, including emails, phone calls, and documents related to the claim. This can be valuable if any disputes arise.

Complete the Repairs:

Once the repairs or replacement are completed, inspect the work to ensure it meets your satisfaction.

Submit Invoices and Documentation:

Provide the insurance company with invoices and documentation from the roofing contractor to demonstrate that the work has been completed as agreed upon.

Receive Compensation:

After verifying the documentation, your insurance company will issue payment for the covered repairs or replacement.

Finally:

Remember that the specific steps and requirements can vary based on your insurance policy and the insurance company you're dealing with. It's crucial to communicate openly and promptly with your insurer and seek professional assistance, if necessary, to ensure a smooth and fair resolution to your roofing insurance claim.