Insurance Claims
What to expect when making a claim
Step 1
Inspection
A project manager inspects your roof either to create an estimate or to inspect for damage. If you have damage you will be shown pictures of the damage and will be advised to make a claim with your insurance.
Step 2
Make a Claim
We'll meet with your insurance adjuster to help ensure your claim is stress free.
Step 3
Adjuster Appointment
An adjuster typically visits your home within 2 weeks. It's helpful to have a contractor present to discuss damages. The adjuster will create an estimate using Xactimate and send a check for the adjusted claim amount, withholding some funds until the job is completed and your deductible is met.
Step 4
Contract
At this stage, your project manager will prepare an estimate to compare with the insurance adjuster's estimate. Your out-of-pocket cost is limited to your deductible. A contractor's estimate will help confirm the needed work. We will enter a contract based on the adjuster's numbers and our work plan. Remember, your expense won't exceed your deductible.
Step 5
First Payment
This happens the day before the build or the morning of the build. First, check how much roofing money you have received and your deductible.
Step 6
Installation
Your roof is on! If you're getting gutters, they'll usually arrive about a week later. We'll also note anything else that needs to be billed to the insurance, like hidden damaged flashings and items needed by city codes.
Step 7
Supplement Process
We handle the invoice for your insurance company and any additional costs not covered initially. For example, a permit is a common extra item. You won’t be charged for anything the insurance doesn’t cover.
Step 8
Final Invoice
After we send you and your insurance company a final bill and release the remaining funds, you'll receive your final check. Then, you can either follow your mortgage company's steps to get the check approved, or we can complete everything, and you'll receive your warranty.
