Roof Insurance Claims Process
Replacing your roof is a complex project. Perhaps the most difficult aspect is dealing with your insurance company. With NexGen, you don’t have to worry.
We’ll assign you a service writer who, together with our award-winning staff, will help you smoothly navigate the confusing and sometimes adversarial roof replacement claim. Your service writer will:
– Make sure you understand your claims process step by step
– Coordinate inspections and meetings with your insurance adjuster
– Represent you as your chosen contractor during the insurance adjuster
– Ensure no damaged items on your home are overlooked by the insurance adjuster
– Answer any questions you may have.
Before the adjuster’s visit, NexGen will create a detailed damage report of your home indicated all the damaged components of your home. This will allow us to provide your insurance company with all the necessary details of your homes replacement requirements. It will also give us time to research any building code requirements. When the adjuster arrives, we will be ready.
New Roof Insurance Claims
We want your only out-of-pocket expense for the entire project to be your deductible. Our straightforward processes allow us to guarantee that there will be no surprises before, during, or after completion of your project. NexGen’s cutting-edge technology allows us to effectively work with your insurance company; we even use satellite imagery to measure your home, sometimes drone quad-copters as well to preform inspections. Additionally, we have built a strong relationship with most homeowner insurance companies, and our assessments and documentation are second to none. And remember that we are working for you, so should your insurance carrier have any questions or doubts, as your contractor NexGen will provide any photos, documents and reports so a scope of damages can be settled on your behalf. You will get the best service possible. It’s not as daunting as you might think, though. We’ve done this thousands of times, and we’ll be right with you the whole way.
Step 1: Identifying the Damage
Mother Nature can wreak havoc on your home and you might not even know it. Storm damage is difficult to detect. You don’t need your shingles broken up by golf ball-size hail in order for your roof, siding, gutters, windows, and fascia to be compromised. High winds and the duration of the storm can also have damaging effects that you might not even notice from the ground. Our professionals offer a free inspection and assessment of your property to determine if you have storm damage. This comprehensive assessment will help ensure that repairs are completed properly, and that your insurance company compensates the full cost of your project.
Step 2: Beginning The Insurance Claim Process
It all starts when we or you call your insurance company’s claims department. You’ll tell them about the damage to your property, and that you’d like to make a claim based on storm damage. Your insurance carrier will ask for the date and type of damage you have. Then, they’ll issue your case a claim number. Write this number down. It will be extremely important throughout the claim process.
Step 3: Meeting With The Insurance Adjuster
An adjuster from your insurance company will call you to schedule a meeting. Please ask the adjuster to contact your NexGen assigned service writer directly. It is important that we be there to represent you as your advocate and general contractor. We will inspect your home’s roof and exterior together with your adjuster. Please keep in mind that we are not public adjusters, and thus cannot discuss your insurance policy. However, the adjuster is not a licensed contractor, so when it comes to the mechanics of the repair, local building codes, and materials, it is important that NexGen be there for you. We’ll document all damage to your property.
Step 4: Getting Funding
About a week after the adjuster’s visit, you should receive a check from your insurance company. This check represents the actual cost to repair or replace the damaged property, minus your deductible and depreciation. When calculating depreciation, insurance companies take into account the age and condition of the property, among other factors. Once the project is finished, NexGen will bill your insurance company, which will then issue a second check that covers depreciation. This is also when you will pay your deductible. Here’s an example of how it works:
Let’s say that a storm passed through your neighborhood, and it caused $26,000 in damage to your home. Your adjusted property loss, then, would be $26,000. However, your insurance company determines that there is $12,000 in recoverable depreciation, making an Actual Cash Value cost of $14,000. Then you’ll subtract your deductible, and that’s the amount that the first check will be. Here’s a breakdown:
- $26,000 Adjusted Property Loss
- -$12,000 Recoverable Depreciation
- =$14,000 Actual Cash Value
- -$500 Deductible
- =$13,500 (the amount of the first check your insurance company will issue)
You will then take this first check ($13,500 in this example) and present it to your contractor. This will enable your contractor to order materials, set a production schedule, and complete your project. Once the project is finished, NexGen will provide the insurance company with a certification of completion and satisfaction. Your insurance company will subsequently issue you a second check for the final payment, which includes the recoverable depreciation ($12,000 in this example). The check may also include additional funds approved for supplements to the project. It’s not as complicated as you might think. This is the industry-accepted best practice, and it helps reduce paperwork and confusion for both the property owner and contractor.
What If Your Claim Is Denied?
Insurance companies will occasionally deny a claim. In fact this is more common than you might think. It is usually as simple as requesting a second inspection by a different adjuster from your insurance company, as well as a 3rd party Public Adjuster who we bring in. Throughout the entire process, NexGen will work with you and your insurance company to resolve the disputed claim and get your home repaired. We have extensive experience in successfully working with insurance companies, and we’ll work for an acceptable settlement.
Step 5: Working Together With Your Mortgage Company
If your home has a mortgage, the insurance company’s first check will be issued both to you and your mortgage company. This check must be presented to your mortgage company with other documents in order to be released. Fortunately, we have expert staff on hand who will gladly assist you with this process.
Step 6: Choosing Materials
Once your mortgage company endorses and returns the first check, your service writer will come to your home to make your product selections. At this meeting we will explain your insurance estimate, and we’ll write a detailed spec sheet that will describe exactly what trades we will be performing. Roofing: We only use the highest quality roofing materials. As an Owens Corning Platinum Preferred, GAF Master Elite, Certainteed Master Applicator, & Tamko Certified Pro Contractor we can build upon the leading manufacturer of your choice’s years of experience and access their fantastic array of shingles and other roofing materials. At NexGen, we only use products that we know are excellent for quality and durability. Siding: We work with the largest wholesale distributor of siding, Gulfeagle Supply Company. They carry high-quality materials from Tyvek and LP Smartside. NexGen is also a Hardie Siding Products Elite Contractor.
Step 7: Preparing For The Project
Just a little preparation will make your construction project go smoothly and stress free.
There will be noise. Construction crews generally begin working early in the morning, and there will be a constant din of hammering during home-repair projects. If you suspect that you will find the noise bothersome, you might want to plan a day away from your home while the project is in progress.
It’s not an earthquake, but? Before work starts, you should consider removing loose items from walls and shelves, such as pictures, plates, or other collectibles. Hammering during the project may create vibrations that could shake items off of your shelves and walls. If we are working on skylights, debris has a tendency to fall into those areas of your home; you should move or cover any items below. You also may want to remove items from around the exterior of your home, as roofing and siding debris may fall.
Let there be light. Please provide your contractor with an electrical connection to use with power tools.
Move it. Take care to move all cars, motorcycles, boats, bicycles, and other vehicles away from the house and garage while the project is in progress. If you don’t have a finished ceiling inside your garage (i.e., if you can see the bottom side of roof decking) make sure to move or protect any items that might get damaged by small pieces of felt or shingles falling through the spaces between the decking boards.
Keep it clean. Be sure to keep the driveway clear in order to provide access to vehicles delivering construction materials.
Hazard zone. Keep children and pets away from the work area at all times. Trucks, power tools, ladders, and other potential hazards will be present throughout the process.
We will all work together to complete your project as quickly and precisely as possible and with the least inconvenience to you and your family.
Step 8: Completing The Project
Once the noise stops, all the work is done and the job site has been cleaned up. You will be able to admire the new renovations your home received. Usually within a few days your service writer will walk the job with you to make sure that you are 100% satisfied. After the project is finished and final payment has been received, NexGen will issue your warranties and appropriate lien waivers.