Hail, wind and storm damage is considered an insurance loss on your homeowner’s policy.
When it comes to roofing insurance claims, most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged due to a storm or natural causes. The claim is also considered a natural disaster and does not count against you for future rate increases.
We're Your Roofing Insurance Claims Specialists
Excellent Roofing specializes in accident and weather-related damage repair and replacement; including exterior roofing, gutters, siding, windows, interior painting, sheetrock, ceiling texture, flooring, and carpet cleaning.
We Work With Your Insurance Company For You
Our involvement prevents you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied. We will help you deal with your insurance company and meet with your insurance adjuster if requested.
We typically offer valuable upgrade incentives that you may be eligible to receive. And these incentives can benefit you and your insurance company.
An example of an upgrade incentive would be a shingle upgrade.
Only Pay Your Deductible
With Excellent Roofing, you will pay zero out-of-pocket expense other than your insurance deductible. We agree to accept what your insurance company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement.
The Roofing Insurance Claims Process
- First, we ask that you provide us with a copy of your insurance adjusters summary report so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately
- Second, we match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something.
- Third, we fax the signed contract to the insurance company.
- Fourth, if there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. Most likely there will be several forms to be filled out and notarized. We provide our Fed Ex account for you to overnight the check for endorsement and forward the documents needed to process.
Roofing Insurance Claims – FAQ
In a hailstorm, most hail that hits your roof and house may be too small to cause any damage.
However, a percentage of the hail may be large or irregularly shaped. This can cause severe damage that may not be readily apparent and may not result in a leak immediately.
It’s best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim.
Yes. Most homeowners policies cover full replacement value.
The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with it’s useful remaining life.
The money that was withheld is called the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or in some cases at the time a signed contract with a licensed contractor is submitted to the adjuster.
There are two reasons that insurance companies hold some money back.
The first reason is to make sure that you get the work done. Past experience has shown them if they give the customer all the money up front, many people end up spending it on something else.
The second reason is to make sure that you pay your full deductible. The insurance companies are trying to prevent people from trying to find a contractor who would perform the job for the dollar amount in hand. By holding a portion of the claim amount, they can adjust the final payout based on the roofing contractor’s invoice, ensuring the customer pays the deductible.
Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices.
However, this is considered insurance fraud and its illegal. Please don’t ask us to do this.
No two houses receive the same amount for a claim as a result of storm damage.
Your neighbor may have sustained extensive damage, and you may have received none.
The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged the insurance company cannot pay for the whole roof.
However, if is it border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof.
Often times, insurance adjusters may not see the damage in the same way a roofing contractor will. In addition, they may not be able to get up on your roof and inspect certain areas.
Excellent Roofing ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.
When most people look at their insurance paperwork they are confused because they think the insurance company deducted their deductible from the money the insurance company has sent them.
However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor.
The insurance company subtracts the homeowners deductible on the paperwork from the total amount the insurance company allows for the claim since the homeowner will pay their deductible directly to the contractor.
The balance is the total your insurance company will pay for the claim minus the deductible you'll pay to the contractor directly.
It is always a good idea to get more than one estimate. We suggest you get at least 3 estimates and ask us to be one of those.
However, when insurance is paying for the work, the dollar amount of the estimate is not very important as long as it is equal to or less than the insurance company estimate.
When working with us on cases like this, you will only be paying your deductible, so your cost with us will be what the insurance company pays, plus your deductible.
Therefore, your decision should be based on going with the contractor that you feel most comfortable with and whom you feel will perform the best job.
This can happen sometimes. However, don't be alarmed.
This usually happens because the insurance adjuster missed something either in the scope of work to be completed or during their inspection.
We can almost always work something out with the insurance company. Also, in some cases, we will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork.
The insurance company will review the supplement and upon approval, send a check for the additional money needed to make the repairs.