Roofing Insurance Claim Help

Do you have damage to your roof? If so, you might want to file an insurance claim. Filing an insurance claim can be a difficult task, but we are here to help. The Signature Services Roofing team is very familiar with the roofing insurance claim process, and we can help you better understand the process and how your policy might affect your claim. Signature Services Roofing is not a public insurance adjuster, but we can discuss the scope of repairs on the insured’s behalf with your insurance adjuster. We have outlined the typical process below:

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Insurance process steps

Here are the steps you need to take to ensure you get the best replacement roof for your damaged roof.

Inspection

If you believe you have damage to your roof, contact your insurance company and get an insurance adjuster scheduled to come inspect your home.

If you are not sure your home has damage, please contact Signature Services Roofing for a free roof inspection. We can help determine if you might have a claim to make with the insurance company.

Filing Claim

FILING AN INSURANCE CLAIM
If your roof does indeed have damage, a Signature Services Roofing project manager will help you file your insurance claim.

The claim filing process will take roughly 5-10 minutes to complete.

You will need the date and time in which the storm happened and your policy number.

All insurance providers have a claims hotline. You do not need to contact your agent if you do not wish to do so.

Once the claim is filed through your insurance providers’ claim department you will be issued a claim number.

The claim number will be a reference point for your entire claim process, please keep track of this number.

Making Adjustment

When the claim has been filed, an insurance adjuster will be assigned to your claim.

The adjuster, on half of your insurance company, is required to contact you within 48 hours to set up the adjustment at a time that is convenient for you. (The Insured)

When making your appointment, make sure to contact your Signature Services Roofing project manager with the date and time of the adjustment.

Please remember that the insurance adjuster is a representative of the insurance company and will naturally tend to have the insurance companies’ best interest in mind. It is important to have your own representation present during the adjustment process. Signature Services Roofing’s trained project managers and estimators ensure the repairs identified by your insurance company comply with plans, specifications, codes, laws, rules, regulations, and roofing industry standards.

The adjuster and the project manager will inspect the entire perimeter of your property as well as inspect the roof and any interior damage.

This process takes an average of one hour to complete.

Paperwork

When approved by the insurance company, the adjuster will create a scope of work for Signature Services Roofing to use as the initial estimate to get the work started. At this point our work will begin and you will be on your way to a new roof.

Payment

Storm related insurance claims are paid out in at least two payments. However, it is not uncommon to receive more than two payments. Additional payments are paid out as supplements and are usually paid after the job is complete. In some cases, your mortgage company may need to be involved if the dollar amount of the claim is substantial.

The payments are based on a percentage of how old the roof is vs. its expected lifespan. The newer the roof the higher the ACV payment.

The first payment (ACV– Actual Cash Value payment) is issued along with the first set of paperwork in most cases.

The second payment (Depreciation payment) is issued once the job is complete and a final invoice is sent to the insurance company by Signature Services Roofing.

RCV (Replacement Cost Value) is the market value of your entire roofing project as of the date in which the project was completed. i.e. RCV=(ACV + Depr + deductible)

Signature Services Roofing does not require any payments to be made until your job is complete.

Ready to go!

Start by giving Signature Services Roofing a call to meet with one of our qualified Project Managers and having your roof inspected. Call today to get started, or fill this quick form out!

**Please Note: Signature Services Roofing IS NOT A PUBLIC ADJUSTER AND DOES NOT ACT AS ONE WHEN WORKING ON OUR CLIENTS’ BEHALF.**

This paperwork usually arrives within 7-10 days. It is very important to get a copy of the paperwork to your project manager in order to get the roofing process started as quickly as possible.

As with any insurance claim there may be extra items that were missed or unforeseen at the time of the adjustment. Don’t worry, because our trained insurance supplement team will handle all supplements and negations on your behalf.