If a homeowners insurance claim needs to be filed for your residential roof, our friendly staff will walk you through the claims process. We aim to make the process as stress free as possible.
The Claim Filing Process
Step 1. The Inspection
If damage is noted to your property, your representative will present detailed photos of such damage and recommend that you file an insurance claim. Your representative will provide you with a 3-Simple Steps form with specific instructions on the roofing insurance claim filing process.
Step 2. Filing the Roofing Insurance Claim
You will need to call your insurance company and file a claim under the specific storm date or date of loss. If requested, your representative may be able to perform this task on your behalf. When you report a loss to your insurance company a claim number will be assigned to track the process of your claim. At that time, your insurance agent will forward your file to the appropriate department and an insurance adjuster will be assigned.
Step 3. Confirming the Insurance Inspection Date
After you have filed the claim, in about a week, you will receive a call from an insurance adjuster. This adjuster has been assigned to your claim and will contact you to set up a date and time to inspect your property for storm damage. It is very important that you write down the adjuster’s name and phone number. Please pass this contact information on to your Prime Roofing representative. We will then schedule a convenient time and date to inspect your property.
Step 4. Meeting the Adjuster
It is very important that we are able to meet your insurance adjuster at your property to represent your best interests during the initial inspection. Our goal is to guarantee that your roof and repairs are approved for replacement the day of the inspection. If we cannot meet with your adjuster, it is possible that certain items that should be repaired or replaced may be overlooked, or only a partial repair of your roof may be approved. To avoid such circumstances, your representative will confirm with you the date and time scheduled to meet with your insurance adjuster. We also have team of public adjusters and legal resources if necessary to represent your claim.
Step 5. Evaluating Damage with your Isurance Adjuster
During our inspection with your insurance company, your representative will thoroughly evaluate and review all damaged items on your property with your insurance adjuster. Once necessary repairs are determined, we can then agree on the scope of damage and the approximate cost of repairs. We will provide your insurance adjuster with a detailed roof diagram and estimate. Upon final review by your insurance company, repairs will be approved and a proposed insurance estimate including scope of work will be sent to you. It may take up to 10 days for you to receive your insurance paperwork.
Your insurance company uses specific software to compose the insurance estimate and quite often the estimates can be confusing and misunderstood. When you receive your insurance estimate, please call your Prime Roofing Representative. We will schedule a time to review the estimate and explain the items recommended for replacement. Once your insurance claim is approved, you will receive a detailed estimate from your insurance company along with a partial payment for repairs. Usually, the insurance check is mailed separately. The majority of insurance claims are paid in a two-check process. The first check is to begin repairs; the second check is paid upon the completion of all repairs.