Custom Homes Constuction Design, LLC

We treat your roof like it’s ours.

We Can Help you with Your Insurance Claim

Dealing with your roof can be a real problem. You have to assess the damage, determine whether and how much requires repair, or whether the whole roof must be replaced. In the meantime, the rest of your home may be in danger of water damage, particularly if another storm hits.

Add to that, the insurance claim. You’re not an expert in insurance and don’t know how to navigate the process for a positive and timely result.

But there is good news: a professional roofing company is an expert in insurance when it comes to roof repair. The company can walk you through the process of filing a claim, complete with advice on strategies for achieving the best outcome. They would know what the insurance adjustor needs to approve your claim.

When you talk to a roofing company about an insurance claim, you want to make sure they have a solid reputation, a history of satisfied customers, they are insured and bonded, and there is no fine print in their contract.

Just as the company you choose is your trusted roofing partner, they can be your trusted insurance claim partner.

The insurance process can be stressful and expensive, but when you team up with a certified roofing company, they can take much of the stress and expense out of the process.

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Here are the series of steps the roofing company should walk your through:

Call The Roofer

Your roofing company will assess the damage immediately and provide a detailed assessment of what requires repair or replacement and an estimate of the cost. The report will also consider building code requirements, something you couldn’t possibly be expected to know.

Help You Understand Your Policy

Your insurance policy likely includes exceptions, exclusions and deductibles. It may also have provisions regarding roof repair versus replacement.
o Exceptions include the age of the roof. The older the roof, the less you may receive towards roof repair or a new roof. The policy may also refuse to pay for expensive materials like slate or copper roofs.
o Exclusions include items that void the insurance, like improper maintenance or negligence.
o A deductible requires you to pay the first X number of dollars towards repairs.
o Your insurance may cover repair, but not replacement.

Guide You Through Documentation of Your Claims

You’ll need to take photos of the damage and include our report. The roofing company will include an assessment of the gutters, window frames, door jambs and walls. They should also check your attic for leaks and check your foundation for leaks and cracks.

Instruct You to Call Your Insurance Agent

The sooner you start the process, the faster your claim will be addressed. Confirm with the agent what is covered and how much.

Accompany the Insurance Adjustor on His Visit

You want to make sure someone is representing you when the insurance company’s representative reviews the damage. The roofer can point out any issues he may miss.

Advise You on Calling Your Mortgage Company

Your lender can provide forms required by your insurance company to expedite the scheduling of repairs.

Work With You on The Payout

If the insurance company won’t pay, or only offers partial coverage, a roofing company should be able to work with you for an acceptable outcome.

Common Insurance Claim Terms

Are you confused by some of the insurance claim terminologies you’ve heard from your adjuster or read in your policy? Here are some of the common terms used when discussing an insurance claim or policy. These definitions are our basic interpretations. For further information or to confirm any questions you may have, please contact your insurance agent or adjuster.

Insured

Deductible

Your insurance policy likely includes exceptions, exclusions and deductibles. It may also have provisions regarding roof repair versus replacement.

Exceptions include the age of the roof. The older the roof, the less you may receive towards roof repair or a new roof. The policy may also refuse to pay for expensive materials like slate or copper roofs.
Exclusions include items that void the insurance, like improper maintenance or negligence.
A deductible requires you to pay the first X number of dollars towards repairs.
Your insurance may cover repair, but not replacement.

Depreciation:

Decrease in the value of the property over time due to wear and tear. For example, your insurance company may only value your roof at half its replacement cost if it is 10 years into its expected 20-year life.

Hold-Back Payments

Your insurance company may withhold a portion of the claim settlement until the actual replacement cost has been determined, so as not to pay a larger amount than was needed.

Supplement / Supplemental Estimate:

The estimate of damage to a roof is just an estimate. The supplemental estimate covers any additional damages not in the original estimate. If, for example, the roofing company uncovers some previously unknown damage to the roof, the insured is entitled to have the additional damage repaired.

Mortgage Company

As long as you have a mortgage, you are not the sole owner of your house. Indeed, the lender may own more of the house than you do. Consequently, insurance companies sometimes issue checks to mortgage companies rather than the insured, because they have an interest in keeping up the value of the property. If the mortgage company is listed on the check, it is important to provide them with the documentation they need in order for repairs to begin.

Custom Homes Constuction Design, LLC

We Treat Your Roof Like It’s Ours.

Call for a Free Estimate Today

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