Roofing Insurance Claims
Most residential roofing insurance claims are due to hail or tree damage. The process is simple to us, but complicated in the eye of homeowners. We start with a FREE inspection by our Top That Roofing crew and give you 30 photos of your roof along with our opinion as to whether it needs to be replaced, repaired, or left alone. If an insurance claim is recommended, you call your company and they send out an insurance adjuster. We try to meet with the adjuster at your house.
The Residential Insurance Payment Process
Most home insurance companies use the following process.
- The insurance company sends out their adjuster to inspect your roof for hail, wind, or tree damage. They mark it with chalk and take pictures. TTCR likes to be on-site with your adjuster to make sure everything is examined.
- Your insurance adjuster will send a report listing all the damage, what they want fixed or replaced, the total dollar cost of the roofing job, the ACV (actual cash value) of the job, the depreciation, your deductible, and how they will handle payments.
- Usually the insurance company will send a check made out to you and your mortgage company.
- You may need to have your mortgage company endorse the check locally.
- Your roofing contractor will ask to be paid the amount of your 1st insurance check.
- After the roofing, skylights, and gutters are finished the roofing contractor sneds a final invoice to your insurance company.
- Your insurance company will send you a check for the depreciation and any extras (supplements).
- The roofing contractor will send a final invoice to the homeowner for the job total minus the first check. This is usually equal to the depreciation + supplements + your deductible.