Facts on Filing an Insurance Claim
Avoid any Pitfalls and Delays With Your Insurance.
The first step is for you, the homeowner, to call your claims department and file a claim. REMEMBER – this page explains the process that will occur when you get your insurance company involved. Before you ever call your claims department, you should always have your roof checked by a trustworthy roofer. If you think you have hail or wind damage and don’t have your roof inspected, but call your claims department instead, you have just filed a claim on your roof. The insurance company is not there to inspect your roof for damage for you. They’re there to verify damage that you have.
When you call your claims department, you’re filing a claim whether you have damage or not.
YOUR RATES CANNOT RAISE BECAUSE OF MOTHER NATURE. INSURANCE RAISE RATES WITH ENTIRE ZIP CODES BASES ON THE PROBABILITY OF DAMAGING OCCURRING.
To call in a claim, you can either call your local agent and ask for help or call your claims department directly. You will be asked questions like: “What kind of damage do you have?” “When did the damage happen?” and many other questions. If you don’t know the answers to the questions, just tell the service rep.
Once the service rep has taken all your information, she will assign the claim to an adjuster, which leads to Step 2.
Step 2 –
Scheduling With The Adjuster
The insurance company’s claims adjuster will call you within 48 hours to set up an appointment and let you when he will come to inspect your roof. You don’t have to be there for this unless you want to be, however, it is a good idea to let your roofer know (if you already have a roofer selected) when that inspection will occur. Most roofers like to be there when the adjuster arrives. This raises your chances for a FULL replacement and not a patch job or only doing one slope. We assist the adjuster on helping him asset the damage.
VERY IMPORTANT TO HAVE A ROOFER LIKE US HELP ASSIST THE ADJUSTER. BASICALLY WE ARE YOUR EYES AND REPRESENTATION ON THE ROOF.
Step 3 –
Receiving The Estimate Letter And Check
If the adjuster believes that you have damage on your roof, He will write an estimate for the scope of the work to be done. He may be able to print that estimate letter in his car, but most of the time, that letter will be mailed to you. The adjuster may also have the ability to write you a check on the spot, too. But, again, most of the time, that check will come in the mail with the estimate letter. The estimate letter shows, in a line-by-line detail, everything that the adjuster is putting in the claim. In addition to the roof, it may include gutters, furnace vents, painting, windows and screens, and even fences.
Step 4 –
The First Insurance Check
Here’s where most people get confused. The adjuster will determine a value to replace your roof. Then he also determines a value of depreciation for the existing roof based on its age and damages. Then you will receive a check for the amount of the estimate, MINUS the depreciation, and MINUS your deductible (in most cases). That’s what confuses and scares so many people, because your first check will seem unusually small for a re-roof project!.
There are 2 exceptions to this 2-check procedure!
If your claim is small, your insurance company may pay the entire claim on one check.
If your insurance policy is “Actual Cash Value” rather than “Replacement Cost Value,” then the amount of the estimate minus your deductible and depreciation costs will be the only check you will receive. You will be responsible for paying the difference for the cost of your roof. Be sure to check your policy before calling in a claim on your roof.
Step 5 –
Getting The Work Done
Once you have your estimate letter and first check, Hellenic roofing contractor can get started on doing the work of replacing your roof. The other work, such as gutters, vents, or other items, we’ll take care of those things at around the same time.
Step 6 –
Once The Work Is Done
Once Hellenic Roofing has completed the work, We will send a final invoice to the insurance company stating that the work is completed and showing the costs for the project. Our final invoice will be broken down to look the same as the insurance company estimate to make filing the numbers easy and getting all the holdback money in the back end. The insurance company will then release the depreciation (if applicable – see notes on Step 4 above) to you and you’ll receive your second check.
Don’t wait, contact us today to answer any questions you may have.