Navigating insurance can be daunting. At Roof’d, our streamlined process ensures peace of mind, guiding you through every step to secure the coverage you need for your home.
One of our roofing professionals will give you honest assessment of the condition of your roof and advise you according to what they see.
Call or go online to the claims department of your insurance company to file a claim using the date of loss (when the storm happened). They will require some basic information to get the claim filed.
Once the claim is filed they will assign a claim number to the claim, this is how it's tracked throughout the entire process.
The insurance company will assign an adjuster to come to your property to assess the damages. We like to meet the adjuster at the property the day of, to go through what we are seeing and be an advocate for you, the home/property owner.
The insurance adjuster will then write an estimate according to the size and scope of the damages found, using a universal pricing software (Xactimate). At this time the insurance company will issue the first check called the "Net Claim". An important note is; with an RCV policy the insurance company will withhold "recoverable depreciation".
This estimate can be shared with your trusted roofing professional for accuracy of components on the roof and other parts of the property according to size and scope. Insurance companies are required to pay to restore your property back to pre-storm condition, using existing "like kind and quality" of products.
Once scope of work can be agreed upon, work can begin. Price is set by the insurance company using Xactimate. Home/property owners are required to pay their deductible (per contractual agreement with their insurance company)
After completion of work, payment will be collected. This will come in the form of two checks, one for the deductible amount and also for the previous mentioned "net claim"
Roof'd will provide all the proper documentation to your insurance company showing the restoration of your property back to pre-storm condition.
The insurance company will then release a check for the "recoverable depreciation" according to the work completed. Once this check is received home/property owner will pay the final amount to Roof'd
The amount required by the home/property owner to pay according to their contractual agreement with their insurance company. (Like a doctor co-pay)
The day the storm took place