Roofing Insurance Claims

First, check that everyone in your home is safe! Afterward, contact your claims office. Depending on the damage and length of your project, we suggest reaching out to roofing contractors immediately after filing your claim.

Sometimes, there are “Storm Chasers” waiting at your door to provide services after severe weather damage, but it’s best to remember that adjusters have a schedule and timeline, and so do you. An honest contractor understands these timelines, due dates and gives you fair estimates from the start.

Your insurance rates may not go up after filing a roofing insurance claims depending on your policy and insurance provider. About 99% of hail and wind damage is a no-fault claim that does not negatively impact your insurance, which is commonly referenced as an “Act of God.”

Our team always asks your agent for a detailed description of your policy before we start our roofing services, so we can find the best solution for your home and your budget.

If your adjuster requests a roofer not be present during the inspection, we understand. However, at EcoShield, we enjoy being present for multiple reasons:

• • It builds a stronger relationship between you, EcoShield, and your insurance company. Your insurance company wants to get ahead of damages like these and is interested in keeping long-term customers, so it’s great if we can be present, to guarantee they see every aspect of the damage. Keep in mind that your adjuster works for the insurance company, so they do have some interest in denying claims. We can help alleviate that friction.
  • Having us present means we can guarantee your insurance company is following due diligence. Most adjusters have several meetings in one day, so it’s easy for them to overlook something we wouldn’t.
  • Together, we can build the right case for your circumstances. Every roof is different, so some clients need a full replacement, while others only need portions of their roof fixed. Depending on the damage, we will find a solution that works for you.
  • We know our industry like the back of our hand. Over the years, we have learned so much about the insurance side of the business. Our team will work hard to get you the most out of your claim. 

If we are present during the inspection, we always treat the adjuster with respect and kindness during their assessment. We know it all starts with building the best relationships with the adjuster, and we will do everything we can to make sure you get the money owed to your insurance claim.

The first check you receive is for the Actual Value (AV), which is what your insurance values your roof. 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 your insurance company is sent once your contractor completes the job and the roof is replaced or repaired. This check is based on the Replacement Value (RV) in your supplement summary.