Insurance Process

Contact a roofing contractor of your choice

Make sure that this contractor is a local, reputable roofing contractor. The contractor will perform an inspection from a roofing standpoint, and determine if there is sufficient evidence to file an insurance claim. A qualified contractor should be willing to get up on the roof and provide photos of the damage. Beware of contractors that knock on your door and are not willing to get on the roof.

Contact your insurance agent, notifying them of the damage

The insurance company will assign you a claims representative. An adjuster will be sent to your property to investigate and record details of the damage sustained. The adjuster will then send an insurance estimate for all necessary repairs.

It is important to have your roofing contractor meet the adjuster on site during the initial inspection by your insurance carrier. If this does not happen, a great deal of confusion can result, leading to a more difficult and cumbersome process. The insurance adjuster and the roofing contractor need to agree, on your behalf, as to what items will be covered by the claim. A good contractor will work well with your adjuster to make sure the appropriate items get covered and for the appropriate price. The pricing will be set by your insurance company using an industry software system that provides line item pricing. Remember that there is no legal way to make money on the claim for yourself and therefore what is important is that your carrier pays for everything they should and that your contractor agrees to perform the scope of work for the money provided by your insurance carrier.

Review the insurance adjuster’s estimate with your contractor

Take time to review the scope of work provided by your insurance carrier with your contractor. Make sure your contractor takes the time to explain the full scope of work. Your contractor should provide a contract that summarizes this scope of work.

Invoicing

Upon completion of the project, your contractor will need to send a completed invoice to your insurance carrier in order for them to release the remaining funds they are withholding. These funds are called “recoverable depreciation.”

Settle payment

Settle payment with your contractor and request any applicable warranties.