We are the Roofing Insurance Claims professionals! Our goal is to be an extension of you during your insurance process. We want to help you save both time and money. Of course, we would LOVE your business, but we understand that sometimes timing is not right and you want other quotes. We are here to help and expect nothing in return.
We are extremely knowledgeable on how to handle claims pertaining to your roof and comfortable consulting with you, on how to handle them. Do we know everything? That's impossible! But we promise to work harder than anyone else to get you every cent you are owed.
First thing is first! Make sure everyone is safe within your home! NEXT, contact your claims office. Your insurance agent more than likely will direct you there if you call them. Depending on damage and project length, we suggest reaching out to contractors immediately after your claim.
There might be "Storm Chasers" waiting at your door to provide you with services, but remember adjusters have a schedule and timeline and so do you. You might end up in too deep, too quickly if you don't have a proper contractor there to help you along the way. A good contractor understands timelines, due dates, and overly communicates with you.
Depending on your policy and insurance provider your insurance rate might not be impacted by making a claim. 99% of hail & wind damage is a no-fault claim that does not negatively impact your insurance. You will hear many people reference this as an "Act of God".
We always ask your agent for a detailed description of your policy and how you will be impacted. A lot of roofers will automatically say no, but to protect yourself you need to confirm with your agent!
If your adjuster requests a roofer not be present, we understand. HOWEVER, We love being present with your adjuster for multiple reasons:
The first check you receive is for the Actual Value(AV), what your insurance values the roof to be at today. This value will most likely have your deductible subtracted out of the benefit payment. (For example: Your deductible if $500.00, AV is $2,500.00 your check is $2,000.00.)
The second check from insurance is sent once your contractor completes the job and the roof is replaced/repaired. This check is based on the Replacement Value(RV) in your supplement summary your insurance company mails you!
The best thing to do is ask for a detailed estimate to compare with your insurance summary sheet. Also, use your summary sheet to compare and ask your roofer questions on material and labor. Make sure you get an estimate from your roofer before handing over your summary sheet. Regardless of who is doing the work, Protect yourself first!