The Importance Of Choosing A Roofing Contractor With Insurance Expertise
If your roof insurance claim is fully or partially covered under your existing insurance policy, youll have some money to repair your roof, or replace it completely.
Be sure to ask for references and examples of previous work experience when you are selecting your contractor if you dont already have one your public adjuster can likely provide recommendations as well.
Always feel free to shop around and get multiple estimates for various contractors in order to make sure that youre not being overcharged, and that you have all the information necessary to get the best value and best quality work on your roofing system.
Choose Colonial Contracting Inc
Its time to let Colonial Contracting, Inc. do what we do best: restore your business or home as quickly as possible.
Since 1997, our mission has been to ensure that our customers receive uncompromising value, quality, and service. We resolve storm damage quickly so that you can have peace of mind.
Call Colonial Contracting, Inc. at or contact us online to request a free, no-obligation roof inspection in Northern Virginia or Maryland!
How Can We Help You To Deal With Your Insurance Claims
At Matlock Roofing, we have successfully completed hundreds of roof restoration projects where the cause was storm roofing damage. So, we have in-depth knowledge of the insurance process, how to make the process faster, and get maximum coverage with the right evidence and proper documentation.
- We will help you create all the documents you need for a faster approval
- We know the formats insurance companies prefer. So, we provide Xactimate estimates which is the industry standard
- Our knowledgeable and experienced professionals will negotiate with your insurance company on your behalf
- We will be with you every step of the way. So, you can sit back and relax.
Thats why we are the leading roof restoration experts no matter if the damage is caused by hurricanes, water, hail, fallen trees, or any disaster.
It pays to have an experienced team like Matlock Roofing by your side so that you can get top-notch results without breaking the bank.
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Assessing The Storm Damage
The insurance claim process depends on the level of damage incurred. If its just an unhinged door or blown away décor items from your patio, filing for insurance claims may not push through. But, in cases where substantial damage has been incurred, filing for insurance claims is the wise thing to do. Once the storm has subsided, its time to go outside and identify the areas that need restoration and repair.
Here are the areas you want to have a detailed look at.
- Your roof check for any blown away or missing shingles. In many cases, the roof may have been partially or entirely blown off as well.
- Structural and foundational damage to your property or roof.
- Cracks on your roof, ceiling, or walls.
- Leakage be sure to check your attic and rooms with a lot of windows. This is because water can seep in from the tiniest of crevices and cracks.
- Fallout any fallen trees or debris on your roof or landscape. Uprooted trees are a common sight after a storm and can leave the structure of your roof or property compromised.
- Any signs of broken glass or damaged This can extend from the gas pipeline to the water line and power supply.
- Broken, damaged, or clogged gutters on the roof.
- Flooding this is sure to be found in your basement or along exterior walls.
Why Is It Important To Share Insurance Paperwork With My Roofing Contractor
After your claim is approved youll meet with your contractor to go over the plans for your new roof. When you meet, theyll ask to see your insurance paperwork.
Now you might think to yourself, Why is my roofing contractor asking to see my insurance paperwork? They ask because your claim has valuable information needed to ensure they do the job correctly.
The paperwork a contractor needs to see is anything related to the claim once it was approved. Depending on your homeowners insurance policy, it will have the Xactimate estimate for the ACV or the RCV of your roof. It will also have a line item list of what your insurance adjuster found when they inspected your damaged roof.
Sharing your insurance paperwork allows your contractor to know the scope of work, protects you from insurance fraud, builds trust, and the insurance companies even tell you should share the paperwork with them.
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Homeowners Insurance: Whats The Process To Replace A Storm Damaged Roof
Did your area just get hit with a strong storm that caused damage to your roof? If you answered yes, then youre ready to begin the claims process for your new roof.
Most insurance companies walk you through the claims process. But never one to shy away from being helpful, I want to educate everybody on the process of getting your storm damaged roof replaced through homeowners insurance.
The team at Bill Ragan Roofing has been doing insurance repairs and replacements in the Nashville area for over 30 years. We always give you the best quality roof system while making sure everything is correct and included in the estimate your homeowners insurance gives you. We work for you, not your insurance company.
Know That A Roof Insurance Claim Is A Long Process
A roof insurance claim can feel like it is taking forever, especially if the roof damage is impeding your ability to do business.
This is partnering with a public adjuster you trust as well as an experienced and trustworthy roofing contractor is essential not only for your property, but for your home or business.
They will work with you every step of the way and ensure that all your documentation and paperwork is in order and submitted correctly to your insurance company, and generally help things along until your roof is repaired, restored, or replaced.
Know that hail storms, wind storms, and other damage from natural disasters are all considered losses against your insurance policy, so be aware, follow these steps, and work with your contractors, insurance company, and most importantly your public adjuster to make the roof insurance claim process as smooth as possible.
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Perform Repairs If Necessary
After your damage claims have been assessed by representatives for your homeowners insurance company and any private experts you might hire, you can move on to making any repairs your home might require.
These are also expenses you may not ultimately have to pay for, so its important to save any receipts related to this work, as these can also be presented to your insurance provider.
Think Twice Before Filing A Claim
Had we known the impact of filing those two claims two years in a row, we would have considered paying to fix our roof out of pocket.
After two years of really high premiums, we were able to get home insurance at a decent premium again, but we opted for a higher deductible.
The rule of thumb we use today is any expense under $2,500, which is the amount of our deductible, we cover out of pocket. Our premium is slightly higher, but most importantly, we don’t want to take the chance of filing a claim for a much lower expense and ending up in the same situation again if something else happens.
- Lemonade Homeowners Insurance
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Insurance Companies Tell You To
Some insurance companies require you to use a certain contractor, but usually, you get to pick your own. If you get to pick your own, most insurance companies literally have a statement in the fine print telling you to share the claim paperwork with your contractor.
For example:
- Travelers: Therefore, you and/or contractor should review this estimate carefully and let us know immediately if you have any questions prior to beginning any work.
- Liberty Mutual Insurance: We encourage you to work with the contractor of your choice in completing the repairs to your home. If you or your contractor has any questions or concerns about this estimate, please contact me at the number shown above.
- Erie Insurance: Please show the contractor a copy of our estimate so that they may call us should they have any questions.
If your own insurance company tells you to, then its safe to say that you should share your paperwork. Remember your contractor is on your side. Work with them by sharing all your claim paperwork.
How Do I Avoid Roof Scams
Fraudulent contractors often take advantage of homeowners after an area has been hit by severe storms. A typical roof repair scam involves a contractor who demands payment up front and often takes off with the cash. If they do the work, its usually shoddy, incomplete and substandard materials.
The National Insurance Crime Bureau says to be aware of contractors who insist on up-front payment before they begin work or offer lowball bids that come in much lower than other contractors. They may even offer a special hurricane deal or say theyll rebate your home insurance deductible.
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How Do Roof Damage Insurance Claims Work
Are you confused as to whether the roof damage is covered by your home insurance policy? If so, you have come to the right place. Unexpected roof damage is usually covered by most home insurance policies. Whether your roof is damaged due to falling debris or a storm, your home policy will cover the cost of repairing the roof. But claiming for roof damage due to a storm isnt always easy. Some policies may include a stipulation limiting how much you could claim depending on the age of your roof. The full value of the roof is covered if the roof is less than 10 years old. But if your roof is older than a decade, the insurance provider will limit your claim by calculating the depreciated value of your roof.
How Do Insurance Companies Pay For Roof Insurance Claims
- This has changed in recent years, and may be different than you remember if you have filed a roof claim in the past. Nowadays the insurance company will pay the claim value in two payments. The first payment occurs when they approve the claim and will equal the total claim amount, less your roofs depreciation, less your deductible. The deductible is subtracted because the insurance company expects the homeowner to pay that amount directly to the contractor at the time of claim approval. After the roof construction is complete, the insurance company will provide the second payment which is equivalent to your roofs depreciated amount that was subtracted from your first payment. In some cases, your insurer may identify some items as non-recoverable depreciation in which case those amounts will not be included in a second payment. Likewise, some policies are ACV only, which means none of the depreciated amount is included in the claim . Here are some key terms that come up during some roof claims:
- Replacement Cost Value the total cost to replace your roof including all the roof components, tax, permit, etc.
- Depreciation the amount of value lost over time due to your roofs age. In RCV policies, this amount is withheld and paid as a 2nd payment upon completion of the roof construction.
- Actual Cash Value equal to the RCV amount less the depreciation amount, this is the actual value of your existing roof before restoration.
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What If The Contractors Estimate Is Higher Than The Adjusters Estimate
When this happens this means that the insurance adjuster missed out on documenting some of the damage to your roof. This can be easily resolved by having your roofing contractor reach out to the adjuster and letting them know of discrepancies missing from their original adjustment. The insurance company will then send a check covering the additional repairs.
Payment Receipts And Shingle Manufacturers Warranty Registration
The final payment receipt will reflect every payment you made to us. After your final payment is collected, we register the shingle manufacturers warranty. Two reasons we have to wait until the end is #1 the enhanced warranties have a price tag we have to pay and #2 we have to submit all your material distributors invoices to confirm the invoice matches your delivery address and name in order to register your warranty.
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How Do Roof Insurance Claims Work In San Antonio
Its quite surprising that most wind or hail storms only last for about half an hour in duration. Yet, they cause irreparable damage with strength that seems unreal in that amount of time.
Between thunderstorms, windstorms, and hail storms as well as longer and more severe tornadoes and hurricanes, theres a good chance your property will suffer some form of destruction during a storm.
Roof damages might look so negligible but when the bill comes in, it can leave you wondering how it costs thousands of dollars in repairs. Moreso, managing a damaged roof is unsafe and unadvisable.
If your property was damaged after a recent storm, then youll need your Insurance claim.
When it comes to roof insurance claims in San Antonio, the process can oftentimes be stressful and lengthy, thats why we will be explaining how roof insurance claims work in San Antonio and the best way to go about it.
Before we dive in, lets talk about the types of storm damage to your roof.
A Note About Warranties
Warranties differ from insurance. A warranty normally comes with the products or service you buy. Its often built into the cost, while an extended warranty might be sold separately. Warranties usually cover defects and abnormal wear, so they typically do not cover the cost of repair or replacement if your roof issues were caused by high winds, hail, fire, lightning, earthquakes, negligent acts or structural faults. Whether you bought a full-system warranty, a labor-only warranty or you have a materials-only warranty from a previous roof replacement job, none of these will do you much good and thats why homeowners insurance is necessary.
When damage occurs and you need to file a claim with your insurer, do it as soon as possible, especially if the damage was caused by a catastrophic storm, in which case potentially thousands of other people will be filing claims, so youll want to get yours in ahead of others.
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Get An Estimate From A Roofing Contractor
The next step to filing a roof insurance claim is to reach out to a roofing contractor. Picking the right roofing contractor will require some research. Search for professionals who are licensed, insured, and experienced. Reputable companies will have consistently good reviews from past customers and will be in good standing with trade organizations.
High-quality roofing contractors should serve as a reliable source of advice for property owners to lean on during this process. After providing an inspection of your roof, they can help you document the damage as well as take measurements of the roof and damaged areas. A local roofing contractor can likely work out a repair plan for you and provide an estimate as to the potential cost of the repairs. If youre looking for an experienced roofing company, Jackson Contractors has years of experience helping homeowners reap the full benefit of their claims.
Call Insurance & File A Roofing Claim
After a roofing contractor comes to evaluate your roof, youll want to report the incident to your insurance provider. Insurance will then appoint a claims adjuster to come to your house to see the damage. Then, theyll input data and give you an estimate of what insurance will cover.
Its important to have your roofing contractor there when the claims adjuster is doing the evaluation. A professional roofing contractor will know what is consistent with storm damage. They will ensure the adjuster is fair and covers all the damage to the property caused by the storm. A contractor can also catch any errors that might be made by the adjuster. It is still likely that the adjuster will not find everything that needs to be done. Your roofing contractor can submit some of these missed code items later as supplementals to your insurance.
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The Homeowners Guide To Filing A Roof Replacement Insurance Claim
As one of your greatest assets, it is only natural that you want your home to remain in optimal condition. Unfortunately, fire, theft, pests, and the elements can all take a toll on your homes most important component the roof. If your roof has succumbed to extensive damage, it could be pass the point of saving.
A roof replacement insurance claim could help you get your roof replaced with little to no out-of-pocket expenses. However, it is important to understand that the insurance claim process can be long and tedious. Learn more about the steps needed to file a roof replacement claim and why you should speak with roof replacement contractors.
Make Temporary Fixes Then Start The Filing A Claim
Ask your roofer to make temporary repairs to your home, if needed, in order to protect from further damage. It is the responsibility of the homeowner to do this, but you should save the receipts for supplies so that you can turn them in for reimbursement by your insurance company, later. Its always a good step to get a contractor to do a preliminary inspection because it will also validate what the insurance adjuster finds. The contractor may have already submitted paperwork to your insurance provider on your behalf, but if not, they can submit it at this time.
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