Understanding the insurance claims process
If your home is damaged by a storm, it’s essential for you to quickly begin the insurance and repair process. A typical claims process works as follows:
Assess the damage
Sometimes roof damage is as obvious as a fallen tree on your home or a section of missing shingles, telling you right away repairs are necessary. This is not always the case, however, which is why it’s important to call a trained roof inspector like Bone Dry Roofing as soon as possible. This inspection will tell you how much damage you have and whether repairs or replacement are necessary.
Insurance companies typically send a claims adjuster to inspect the roof and determine the value of the roof. Because we have on-staff insurance specialists, we assist with this step of the process and provide an initial valuation of the roof and cost estimate for repairs or replacement. We will also meet with your insurance adjuster to address concerns and questions.
Insurance company approval
Once the claim is submitted to the insurance company, they will provide you with a check to initiate the repair or replacement process. This check is for the amount of the estimate minus the depreciation and deductible. This is important to note because the first check will likely be for less than you were expecting (more on that later).
Roof repairs or replacement
After everything is cleared with the insurance company, we will provide you with complete roof repairs or full roof replacement. Our experts work with a variety of quality materials and will give you a complete solution.
Completing the process
Once the work is completed, we send a final invoice to the insurance company. The insurer will then release the remainder of the money and give you a second check that covers the remaining cost of the work done to your home. After a storm, in many cases, you’ll get a visit from “door-to-door” roofers or “storm chasers,” offering to inspect your roof. When you choose Bone Dry Roofing instead, you choose peace of mind knowing you’re working with a licensed, insured, and experienced roofing company that can help you through the entire claims and repair process.