Roofers Can Interact with Adjusters
No one likes dealing with insurance companies, but the good news is that your roofing company can assist you with the process. At the very least, they will be knowledgeable and know what information your insurance company needs, helping you throughout.
We are more than happy to visit your home at the same time as your insurance adjuster to facilitate clear communication and help you with your claim. By interacting directly with the adjuster, your roofing professional can help ensure that everything gets covered, so your roof is truly back to its original condition.
What to Expect from the Insurance Company
You should contact your insurance company as soon as possible to get the ball rolling on your insurance claim. You will not be able to start working on the repairs until an adjuster inspects your roof to evaluate the damage.
Most insurance companies will start by assigning you a claim representative. This is usually an adjuster who inspects your roof to determine the extent of the damage. Remember, you ideally want your roofer there when they complete this adjustment or inspection process. Expect the adjuster to take notes as well as photos of the damage. They may also ask you questions.
Based on their assessment of the damage to your roof, your insurance adjuster will estimate the cost of the repairs. This will also take your policy type into account, specifically the type of coverage it includes.
How Capital Roofing & Exteriors Can Help
Throughout the process of working with insurance on a roofing claim, Capital Roofing & Exteriors will be able to assist you in numerous ways in addition to actually performing the repairs.
During the Initial Inspection
As mentioned, Capital Roofing & Exteriors can be present during the adjuster’s inspection to ensure that they do not miss any damage that should be covered. They will also be able to confirm that the repairs the adjuster is estimating are in accordance with local building codes.
Reviewing the Claim Estimate
Capital Roofing will also be able to help you review your roofing claim estimate. This is very important since adjusters are not roofing experts. Instead, they typically rely on software that will automatically determine coverage based on the type of damage, your location and your policy.
Supplementals For Roofing Claims
The term supplemental or supplement is an additional charge that must be added to the claim due to finding problems after the work on the roof has already started. Your roofer can file supplementals with the insurance company. This supplemental is documentation or proof that shows why your roof requires specific work or materials to return your roof to its previous state.
General Roofing Claim Insurance Advice
Of course, the best roofing contractors are more than happy to offer you general advice about navigating insurance claims. Because of the cost of roof repairs and the fact that they are very commonly covered by insurance, roofing contractors have a great deal of experience interacting with Insurance companies.
Understanding Your Roof Coverage
The coverage for your roof will depend on your insurance policy, but there are two general categories: replacement cost value (RCV) and actual cash value (ACV).
RCV is more common, and it allows for depreciation. In this case, the insurance pays whatever is needed to bring the roof back to its original condition, which is the cost to replace it minus your applicable deductibles.
The most important thing to remember when working when making a roofing insurance claim is that the process will go significantly easier with a trusted roofing contractor offering advice and guidance.
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