Calling a roofing company to assess the damage will ensure a thorough and accurate inspection. Roofing experts don't look for surface damage, but dive deeper to find water and other underlying problems. Insurance adjusters often overlook deeper problems and the roof situation only deteriorates. Roofing companies that process insurance claims know how the insurance claim process works, how to read your claim, how to fight to ensure that everything is correct in the insurance budget, and how to do the job in accordance with your insurance company.
A roofing contractor who regularly works with insurance can also prevent you from inadvertently committing insurance fraud. The contractor you choose should not request a deposit before the materials are delivered. Instead, the initial check you receive from your insurance company is intended to cover the cost of the materials. It's also important to note that there is no state license for roofing in Colorado. The contractor you choose must obtain a permit from the local jurisdiction and place it in the window of your house before starting the project.
Upon completion of the project, your roofing contractor must provide you with information about the workmanship and warranty of the materials, as well as proof that you have passed the final inspection. Deciding whether to call the insurer requires information that you can really only get from a roofing expert. So who are you calling now? Your roofing contractor? Or your insurance company? At RoofCrafters, we've been helping homeowners who are in exactly this situation for 3 decades. The first thing to look for during your research is if a potential roofing company actually has experience working with insurance claims.
The roofer of your choice will perform a fair inspection and will advocate for you with the insurance adjuster if necessary. Old roofs are more susceptible to damage than newly installed roofs, so some insurance companies choose not to renew their policy. The Bill Ragan Roofing team has been helping homeowners in and around Nashville with their insurance claims since 1990. If your area was hit by a severe storm and you think you have roof damage, the first thing to do is call your landlord's insurance company.
If you request that you verify recoverable depreciation (the amount an insurance company determines that a roof has depreciated over time) but you don't finish the repair, your insurance company won't pay you for the depreciation. At this stage, you should know what the insurance company covers and what your out-of-pocket expenses are (deductibles, improvements, etc.) All contractors must be fully insured with general liability, workers' compensation and a company vehicle insurance policy for all vehicles you own and don't have. If you unknowingly sustained roof damage before the storm, the insurance adjuster will be able to know. You must request evidence to ensure that the roofing company is licensed, bonded and insured specifically in your state. Your insurance agent may ask you to contact a roofing contractor to assess the damage before filing a claim or to begin the claims process as soon as you call them.
Your RCV policy requires proof of compliance to ensure that the items included in the insurance estimate were included in the contractor's scope of work. In most cases, if you have a mortgage on your home, you will receive several checks from your insurance company in the name of you and your mortgage company.
