Insurance Process

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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.

Make a claim

You can do this by calling your insurance company, or your agent.

Adjuster appointment

At this point an adjuster will be out to your house, usually within 2 weeks. It is very beneficial for you go ahead and have a contractor in mind so that they can meet the adjuster and agree on the damage and scope of work. The adjuster will also create an estimate using a price list from a program we both use called Xactimate and will cut you a check for the amount that the claim is worth depreciated, very similar to if you were to wreck your car. They will withhold the rest of the funds until the work is complete to ensure that you do the work, and that you pay your deductible.

Contract

At this point your project manager will create an estimate to be compared with the insurance adjusters estimate. Even though your out-of-pocket in an insurance claim is always simply your deductible, you will want to get an estimate from the contractor to verify the exact scope of work. After this, we will enter into a contract using the adjusters roofing figures, and our scope of work, and the job will move forward. It is important to note that your out-of-pocket will never exceed your deductible. That is your only financial obligation in this process.

First Payment

This is made either the day before the build or on build day morning. Your first check will be the amount of roofing funds that you have already received, and your deductible.

Installation

Your roof is installed. If you are getting gutters, they generally come about a week after the roof. We will also document anything else that needs to be charged to the insurance company such as unseen damaged flashings, and items required by city codes.

Supplement Process

This is where we send in an invoice to your insurance company, and also work out any items that need to be paid for that were not already. A good example of a supplement is the permit. You will never be charged for anything that the insurance company doesn't pay for.

Final Invoice

Both you and your insurance company are sent a final invoice, the remaining funds are released, and you receive your final check. From there you either have to go through your mortgage company's process for getting the check endorsed, or we finalize everything and you are sent your warranty.