Roofing Insurance Claims Made Easy

Dealing with a roof that needs to be repaired or replaced can be stressful and lead to a lot of questions and concerns. Although insurance helps you minimize your out of pocket costs when repairing your roof, where do you start? Who do you call first – a roofer or your insurance agent? Will your roof be repaired properly? And then there’s the realization of all the paperwork associated with an insurance claim!

Roof repairs and insurance claims are uncharted waters for most. Fortunately, Born To Roof works with these stressful events everyday, which is why roofing insurance claims is our specialty. We understand your situation and strive to make the process as stress free as possible. We work directly with customer’s insurance companies throughout the claim process and are always ready to answer any questions. To get you started, here are 7 steps that will make your roofing project and insurance claim process easy.

You Have Roof Damage – What’s Next?

Step 1 – Contact a Reputable Roofing Contractor
If your residential or commercial roof has been damaged or you think it may be in need of repair, contact a reputable roofing company FIRST. As an experienced roofing company, Born To Roof knows that roof damage isn’t always obvious and will recommend an inspection for your roof. Expect to schedule a roof inspection during this call that best meets your schedule.

Step 2 – Meet with Your Roofing Contractor (1st Roof Inspection)
You will want to have your roof inspected BEFORE an actual insurance claim is filed. Doing so will reveal the amount of damage to help you determine IF it is in your best interest to file a claim. If the amount of damage is less than your insurance deductible, you may choose not to file a claim to decrease the risk of your insurance company raising your rates or even dropping your policy. Born To Roof offers free roof inspections for both residential and commercial customers.

Our experienced team will provide a detailed estimate covering the following:

  • Quantity of materials needed (decking, shingles, underlayment, drip edge, sealant, vents, flashing, gutters, etc.)
  • Labor Charges
  • Work specifications
  • Approximate starting and completion dates
  • Payment procedures
  • Building permits secured (if applicable)
  • Warranty details

Step 3 – Contact Your Insurance Company
If your estimate warrants filing an insurance claim, contact your insurance company to schedule a time for their adjustor to inspect your roof and start the claim process. It is recommended to have your roofing contractor, who should be willing to be YOUR roofing advocate, present during this inspection. The mutual respect between an experienced and knowledgeable roofing contractor and an equally qualified insurance adjustor should be of definite benefit to given most people like yourself are not experts in roofing.

Step 4 – Meet With Your Insurance Adjustor (2nd Roof Inspection)
Your insurance adjustor will follow a checklist provided by your insurance company to itemize the roof damage done to your home or business. Having an experienced roofing contractor like Born To Roof by your side will ensure your insurance claim addresses all the damages you have, as well as give you peace of mind during the process.

Step 5 – Schedule your Roofing Project (Claim Has Been Approved)
Once your insurance claim has been approved, you will need to meet with your roofing contractor again to review the details of your insurance coverage. Born To Roof will discuss the warranty details with you and answer any questions you may have. This will help you better understand your insurance coverage and Born To Roof’s process for repairing or replacing your damaged roof. A date can then be scheduled to start your roofing project.

Step 6 – Wrap Up Your Project
Your insurance company will issue payment directly to you for their part in covering the damage to your roof. It is then your responsibility to pay your roofing contractor for all services listed on their estimate. It is also your responsibility to provide payment to your contractor to cover your deductible and any difference between the contractor’s estimate and the amount paid by your insurance company.

Step 7 – Sit Back and Relax
By entrusting your roof repairs with a experienced and knowledgeable roofing professional like Born To Roof, you will have the peace of mind knowing your roof is being repaired properly and in a timely manner. Plus, only with a company like Born To Roof, you will have an additional benefit of a 10-year warranty on the labor for your roofing project.

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Call us at (501) 503-7785 or use our online form below to schedule a free estimate.

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