Roofing Insurance Information for Repair or Replacement

We all need insurance to protect us from those expensive, unforeseen events. Take advantage of your rights as an insured home and/or business owner!

We specialize in Insurance Restorations!

insurance-claims-process_frisco-roofing

When you call your insurance company, have a few things handy:

  1. Policy number
  2. Date of loss
  3. Type of loss
  4. Copy of your policy

Here are some Helpful Hints for your Insurance Claim

The Texas Department of Insurance recommends that your roofing contractor be present when your insurance adjustor arrives to inspect your home and roof. Insurance adjustors are often extremely busy after a major weather event, and may inadvertently miss or overlook an important aspect of your claim.

1) Once an adjustor has performed their inspection, they issue a proposal to the homeowner that should act as a guide for handling the claim. This is not a final settlement and in certain cases it is necessary to resubmit a counter proposal or call for a re-inspection if the type or scope of work differs significantly.

2) Your insurance company cannot cancel your policy or raise your rates for having to file a claim against your homeowner’s policy

3) Often, insurance carriers will ask you to get three estimates for roof repair or replacement. This is not necessarily in your best interest. Though there are certain contractors that can do work for less than the fair market price, often someone must cut corners somewhere to make a profit. The savings by accepting a lower than market value bid is not money that can be applied towards your deductible. The savings is passed on to the insurance company.

You do not have to have an estimate. It is your insurance company’s responsibility to send a licensed adjustor to you home to do an inspection.

We recommend that you have us come out and meet with your adjustor in case there is a disagreement on the damage or scope of work.

Texas Insurance Carriers:

Allied

Allstate

American Family

Amica

Anpac

Auto Owners

Encompass

Farmers

Hartford

Liberty Mutual

Nationwide

Safeco

State Farm

Travelers

USAA

800-282-1446

800-54-STORM

800-374-1111

800-24-AMICA

800-333-2860

888-CLAIM-AO

800-588-7400

800-435-776

800-243-5860

800-2CLAIMS

800-421-3535

800-332-3226

800-SF-CLAIM

800-CLAIM33

800-531-8222

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