Insurance Claim Process
1. Initial Roof Inspection
After a hailstorm, the first step is a professional, free inspection. As roofers, we carefully document all visible and hidden damage with photos and notes. This ensures you have clear evidence to present to your insurance company.
2. Filing the Claim
Once damage is confirmed, the homeowner calls their insurance company to file a claim. We help guide this process, making sure you report the right details and set up a meeting with the insurance adjuster.
3. Meeting with the Adjuster
Your insurance company will send an adjuster to inspect the damage. We meet them on-site to point out all the issues we identified. This ensures nothing is overlooked and your claim reflects the true scope of repairs.
4. Insurance Approval & Scope of Work
After the adjuster’s visit, the insurance company sends a report outlining the approved repairs and the estimated cost. We review this carefully with you to make sure everything needed is included. If something is missing, we advocate on your behalf.
5. Choosing Materials & Scheduling Repairs
Once the claim is settled, you’ll choose your roofing materials (shingles, color, upgrades if desired). Then we schedule the roof replacement or repairs at a time that works best for you.
6. Roof Repairs / Replacement
Our crew completes the work according to the insurance-approved scope—using high-quality materials and expert craftsmanship. We also provide progress updates so you always know what’s happening.
7. Final Inspection & Warranty
When the project is finished, we perform a final walkthrough to ensure everything is perfect. You’ll also receive warranty information for added peace of mind.
8. Payment Process
Typically, insurance payments are issued in two installments:
The first check is released when the claim is approved (the “ACV” or Actual Cash Value).
The second check is released once the work is completed (the “depreciation” or “recoverable depreciation” amount).
We help you coordinate this so the process is smooth and stress-free.