Insurance Roof Claim Process

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4 Steps Claiming Your Roof on Your Homeowner's Insurance

The Short Version:

  1. Call and file a claim with your insurance carrier.
  2. The carrier will assign a desk adjuster and schedule for a third party ladder assist to perform a damage assessment or will send out a field adjuster to perform the damage assessment.
  3. Once the damage assessment evidence has been reviewed by the desk adjuster, the desk adjuster will decide to deny, or pay the claim.
  4. 90% of the time the insurance company will underpay the claim by either not measuring correctly or ruling that roof is repairable or by not paying the necessary line items to replace the roof up to code.
  5. It is important for the homeowner to have an advocate on their side with the responsibility and experience to properly present the damage to the homeowner’s carrier. All that is needed is one shingle to be approved and that shingle sets off a domino effect of other repairs under which we can have the homeowner’s roof approved the rest of the way.

Longer Version...
Step 1: Damage Assessment

Your house has been damaged by either the weather or an unfortunate circumstance. Will your homeowner's policy cover the damage? Perhaps, so let's go over the step by step process that has helped other homeowners fix their homes and been made whole again, by the insurance company.

The first and most important step is to properly assess the damage. Most homeowners make the mistake of wanting to get a few estimates as their first step. Here's the reason why damage assessment is Step 1:

The insurance company uses a damage assessment software called Xactimate, a third party program which sets the prices based on zip code and updated monthly. In order for you to properly be made whole by the insurance company, the insurance company pays market value to restore your home to how it was before the damage.

PRICE INSURANCE COMPANY PAYS vs. VALUE YOU RECEIVE:
If you contact roofing contractors and look for "estimates", the roofing contractors will exclude materials detail from your estimate in order to provide a lower priced estimate to repair your home. Roofing contractors giving cheap roof estimates will not be motivated to properly fix and restore your home to pre-damage condition. Those contractors will be motivated to not repair damage by avoiding detailing their scope of work.

It's important for the roof contractor to fulfill his obligation to you by restoring your home to its original condition based on damage assessment.
You can identify unethical roof contractors because they often use vagueness in their scope of work. Here are some examples of short-cuts:

  • Charge for a high grade of ice & water barrier, but install a lower grade.
  • Not install the correct amount (if any) of ice & water barrier.
  • Unethical contractors often reuse the existing drip edge.
  • Unethical contractors often reuse the step flash?
  • and many other ways the contractor may prevent from you receiving the most value from their services.

It is best for you to interview roofing contractors and assess their passion for excellence as well as their attention to detail. The insurance company is contractually obligated to make you whole, but choosing the wrong contractor could prevent it from happening.

By choosing Roofs.ONE as your storm restoration professional, you can count on us to provide you with the highest quality of service and attention.

Step 2: Contact Home Owner's Insurance

Contact your home owner's insurance to initiate a claim. I suggest beginning the claim online, if you can. It's much quicker that way. You'll also choose how you would like to receive payment, if or when the claim is approved.

Please have the following information ready:

  • Damage assessment and list of personal property damaged. Please organize by listing the damage with the designated room affected.
  • Take pictures of each and every area of damage and also pictures of the damaged personal property.
  • There will be a main adjuster, a contents adjuster, and a construction adjuster assigned to your claim. The exact titles of the adjusters will vary between insurance companies.
  • Cause of damage (hail, wind, storm, hurricane, tree, etc..), dates, times

Most insurance companies are very helpful in guiding you through the process and most adjusters answer emails and phone calls quickly.

Step 3: Fix Damages and Insurance Supplement

Once the adjuster has approved the damages to your home, we'll begin the restoration of your home to its original state, pre-damage condition. It's important to note that it's understandable if additional damage is discovered after the agreed scope of work approved by the insurance adjuster.

The insurance adjusters only approve visible roof damage. In some cases, the need for a supplement in the claim is necessary because additional damage might be discovered during the restoration process.

This is the step where you benefit the most from securing Roofs.ONE as the experienced roof contractor because we oversee that all of the damage to your home is fixed.

Step 4: Receive Payment for Depreciation

To recap, the first insurance payment is based on the visible damage. This initial payment doesn't cover the entire job. All of the payments (initial and supplements) are missing the "depreciation amount". Depreciation amounts are paid by the insurance after the roof work has been completed.

Also, city codes differ from city to city. Which means that line items on the Xactimate software used to standardize scope of work will vary from city to city. Detroit has code requirements that might include snow while Houston might include mention of Hurricane roof damage prevention specs. The detail of the work performed by the roof contractor in Detroit will vary slightly from the work performed by the roof contractor in Houston.

It's important to remember the insurance company cares about restoring your home to the original condition, pre-claim damage. The Xactimate, third party software, publishes the line items required to fix the agreed scope of work.

It becomes a higher priority to begin the insurance roof claim process by agreeing on the damage assessment.  The insurance company pays based on the damage. Some homeowners think (incorrectly) that the price to repair the damage is the key to the restoration of their roof. That is the quickest way to not be made whole and have an incomplete roof job on your home.

Once the adjuster has approved the damages to your home, we'll begin the restoration of your home to its original state, pre-damage condition. It's important to note that it's understandable if additional damage is discovered after the agreed scope of work approved by the insurance adjuster. You will only be responsible for the deductible plus any upgrades to your current roof.

The final payment is the insurance payment of the depreciation of your claim, which is the amount withheld by the insurance company until after the complete scope of work has been performed.

WARNING: Some roofing companies will tempt you to hire them because they will waive the insurance deductible. Those roofing companies are blatantly breaking Texas Law (see details below) by explaining it in that manner.

At Roofs ONE, we are experts at handling insurance restoration roof claims and we have legal and ethical ways for you to benefit from hiring us.
Disclaimer: Roofs ONE does NOT interpret insurance policy provisions or advise on insurance coverage. We do recommend for you to contact your homeowner's insurance provider and get a copy of your policy.
* Texas Law House Bill 2102: It is illegal for contractors or roofers to offer to waive a deductible or promise a rebate for all or part of a deductible. Under the new law effective September 1, 2019; violators could get up to a $2,000 fine and up to six months in jail. If a contractor offers to waive a deductible, report it to the Texas Attorney General’s Consumer Protection Hotline at 800-621-0508. Do not commit insurance fraud by accepting unethical and illegal practices.

Important:

Insurance companies derive their definitions and standards for damage from HAAG ENGINEERING.

HAAG Engineers train the insurance adjusters to narrowly define hail damage. They define it in the narrow form of broken fiberglass matt inside the shingle. Insurance company interpret this advice in the field by requiring the hail stone to be large enough to impact the shingle and break or bruise the fiberglass matting. This leaves Insurance Adjusters only looking for "functional damage".

Please understand the term "functional damage" does NOT exist in the insurance policy. Your Insurance Policy states it will cover "Accidental Direct Physical Loss". Physical loss is simply a physical change with a detriment, which opens the door for insurance company to approve cosmetic damage. Your insurance adjuster might try to deny your claim, but we can help you to tackle that if it happens.

In certain cases, you might need a Licensed Professional Public Adjuster to ensure your insurance company abides by the policy language you pay for and not some arbitrary language made up by an engineering firm.

Rest assured, we'll help you with the entire process.

HAAG Engineers consult with insurance companies

Reduce Risk with Proactive Monitoring

Unnecessary Risks Are Irresponsible

Being prepared prevents an inconvenience from turning into a tragedy.

Hurricane season lasts 5 months every year.

For optimal roof performance, monitor your roof's aging process.

Satellite Image of a Hurricane
A Falling Tree Damaging a House

Unknown Risks Are Unavoidable

"When" and "Where" the storms will land are the unknown variables.

"IF" a storm is coming... is guaranteed.

Roof inspector performing a roof inspection.

Mitigate Risk with Yearly Roof Inspections

Yearly doctor's visits help detect problems early.

Just like an optometrist helps detect early signs of diabetes, a roof inspection can prevent your ceiling from damaging your kitchen.

Document the aging of your roof with a detailed yearly roof inspection.

Create Your Perfect Outcome

Scenario 1 - Your roof ages well and you have documentation of your great care for the next owner (providing added value to your home).

Scenario 2 - Storm roof damage occurs and your documentation helps restore your home to the correct pre-storm state.

Scrabble Pieces Arranged to Read Success Favours The Prepared

Has Your Roof Claim Already Been Denied?

Follow These 4 Steps

Step 1: Bring In Outside Expert

There are many reasons an insurance roof claim may be legitimately denied, and there may be little that a home or business owner can do if the insurance company says their losses fall under the following reasons:However, read over your policy and if you believe your claim has been denied unfairly or wrongly blamed on old damages, appeal their decision.

  • Non-covered event:
    look over your homeowners insurance policy to become more informed about exactly what is and what is not covered.
  • Filing delay:
    If you delay filing your claim you'll miss your contractual deadline, and your claim will be automatically rejected. This detail is in your insurance company's statute of limitations.
  • Lack of routine maintenance:
    Failing to adequately maintain your roof is a reason to deny your roof claim. Scheduling regular maintenance for your roof is important in order to comply with your insurance coverage pertaining to your roof. Routine maintenance includes, but is not limited to, cleaning the gutters, removing debris, moss, algae, and repaires.
  • Inadequate coverage:
    Filing a roof claim in excess of your coverage results in a denied claim.
  • a “pre-existing damage” exclusion.

Read over your policy and if you believe your claim has been denied unfairly or wrongly blamed on old damages, appeal their decision.

Step 1, bring in an outside expert. At Roofs ONE, we are experts and we will look for the hard-to-spot problems the insurance missed. Then, we document with great detail the damage that qualifies under your insurance policy.

Once the damage has been documented and assessed, move to Step 2.

Step 2: Appeal

Contact your home owner's insurance to initiate an appeal of the denial of claim.

We will package every bit of relevant detail in the way that is easy for the insurance company to re-evaluate your damage.

The inspection date will be coordinated so we can be present when the adjuster visits your home so we may help your adjuster with any questions about the documented damage.

Step 3: Fix Damages

Once the adjuster has approved the damages to your home, we'll begin the restoration of your home to its original state, pre-damage condition.

Sometimes, the need for a supplement in the claim is necessary because additional damage might be discovered during the restoration process.

This is the step where you benefit the most from securing Roofs.ONE as the experienced roof contractor because we oversee that all of the damage discovered is fixed properly.

Step 4: Receive Payment for Depreciation

The final payment is the insurance payment of the depreciation of your claim, which is the amount withheld by the insurance company until after the complete scope of work has been performed.

We are considered experts in these matters and we recommend for you to call your insurance provider to ask about your coverage.
Disclaimer: Roofs ONE does NOT interpret insurance policy provisions or advise on insurance coverage.
* Texas Law House Bill 2102: It is illegal for contractors or roofers to offer to waive a deductible or promise a rebate for all or part of a deductible. Under the new law effective September 1, 2019; violators could get up to a $2,000 fine and up to six months in jail. If a contractor offers to waive a deductible, report it to the Texas Attorney General’s Consumer Protection Hotline at 800-621-0508. Do not commit insurance fraud by accepting unethical and illegal practices.
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Memorial Villages
Houston
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