Roofing Insurance Claims Process Information for Texas

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Filing insurance claims can be a difficult and tedious task, especially if certain procedures are not followed. Most insurance companies want to properly service their clients’ claims, but it is still important to understand the proper procedures and exactly what questions to ask. We are experts in the insurance restoration process, and our staff is always eager to offer assistance and accurate information in the insurance claims process.
If you suspect wind or hail damage from a recent storm, you should call your insurance carrier’s claims office not your insurance agent.

For your convenience, we have provided the numbers to most of the larger insurance companies’ claims offices. Many agents are not responsible for or trained, in many cases, to handle the claims aspect of your policy. The first call should always be to the claims office after a roof inspector evaluates the roof for damage. If you choose Elevated Roofing as your contractor we will assist you in the process of gathering and providing information to your insurance company.

Insurance Claim

The claim handler from your insurance company will assign a claim number and a claims adjuster. Make a note of this number as it will be very important throughout the entire process. It may take several days to obtain the name and contact information of your adjuster. Remember to ask for his or her cell phone or direct contact number when you speak to them. Call your Elevated Roofing representative and provide the adjuster’s name, contact info and appointment time. Your insurance company may ask you to get three estimates. This may result in your insurance company getting the lowest price, but you should know the insurance company keeps 100% of the savings. You will get a cheaper roof! We will help you provide the proper information to the insurance carrier for a fair insurance settlement. With Elevated Roofing, you will get the highest quality roof system on the market.

Damage Assessment

Inform your adjuster that you will have your roofing contractor present at the meeting. It is critical that we attend the inspection meeting and serve as your advocate. As much as they appreciate your business, the insurance carriers seek to keep their expenditures down. Most adjusters will request the name of the roofer with whom they will be meeting because they realize the importance of having an experienced roofer by their side. Measurements of the roof and other damages will be taken at that time. Whenever possible, Elevated Roofing will provide a satellite imaged, engineered report detailing the roof measurements. We do our job well so you can feel confident that you will be expertly represented during the initial inspection.

Fair Settlement

Once the insurance adjuster assesses the extent of damages, he or she will provide a claim summary detailing the scope of repairs or replacement. When you receive the adjuster’s claim summary we will compare it to our own to make sure nothing has been omitted from the scope of the project.

If there is a discrepancy, our insurance liaison will help by providing you with additional information so you are able to negotiate the difference with the insurance company. In most cases this will be a simple process of faxing them our estimate and calling them to discuss the differences. If an insurance company is unwilling to fund key components of your new roof, we may ask you to call your provider to discuss the issue. If that happens, we will review our options and develop the best plan of action for your claim situation. Once the negotiation process has been completed, the insurance company will release a supplemental check to cover the additional amount that was determined through negotiations with the insurance representative.

Funding

You should receive the initial check about the same time the claim summary arrives. It may have your mortgage company’s name on it, in which case you would have to contact them to find out the proper procedure for getting their endorsement. Each company has specific directions to follow. There may be additional paperwork needed by the mortgage company. This process can take up to 10 days. If a supplemental check is issued, it too may have the mortgage company listed on it and the same procedures would need to be followed. Those funds would be payable towards the new negotiated roof replacement total.

The initial check may seem small compared to the full amount of the roof. There are two reasons for this 1. your deductible and 2. the depreciation. Most homeowners choose the Replacement Cost coverage type of policy over the Actual Cost Value policy. If you have a replacement cost policy we will recover (and receive) the depreciation withheld by the insurance company after the work has been completed. The deductible is the portion withheld by the insurance company that will not be paid out to you at any time. The deductible is your co-pay which you will pay directly to Elevated Roofing. The full cost of the roof replacement is the sum of the first insurance check, your deductible, the amount of depreciation and any supplements.

Installation of Roof

Once the first insurance check, deductible and insurance loss statement are received the roof will be installed.

Recovering Depreciation

After the roof has been installed, our office will provide the necessary documentation to the insurance company to let them know it is complete. If the depreciation withheld was recoverable, we will ask for the release of those funds. The insurance company will most likely call you to confirm that the project is complete and will then release the last check. It is possible that if a supplement was negotiated that it may be included in the final check along with the depreciation. Our office will be happy to make the follow up calls to confirm receipt of this documentation on your behalf to ensure timely processing. Mortgage companies may require their own inspection before they endorse and release the depreciation back to you. We do not handle this detail, so be sure to ask them about their required procedures.

Final Payment

Once you receive your last insurance check, and mortgage company endorsements are made, we will collect the final amount due on the roof. As a courtesy to our clients we provide a 30-day grace period from roof installation to make the final payment on the depreciated amount.

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