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We take the stress out of filing an insurance claim and make sure you are comfortable with the process.


Filing My Claim
If you suspect you have roof damage from a recent storm, you should contact your insurance carrier’s claims office. Be prepared to provide the date and time in which the damage from the storm occurred. At the time of your initial call, you will receive a claim number. You will want to write this number down and store it somewhere safe for memory. This number will be how your insurance carrier will track your claim. Typically within a few days you will be assigned an adjuster who will contact you regarding a time and date for a damage inspection. The inspection will generally occur with a week or two of filing the claim.

Meeting the Adjuster
Having a contractor present when meeting with an adjuster is a good ideal.  We specialize in storm restoration work will generally meet with your adjuster for your inspection as part of their service offering.

What if my claim is denied?

You have the right to have a re-inspection. For re-inspection, we suggest you have a Secure Roofing Pro meet with your adjuster. Please contact us to arrange help with re-inspection.

What if I am denied a second time?

After your claim as been denied a second time, you have the right to get what is called an “appraisal.” As a policyholder you have a right to hire an independent appraiser to determine the value of their damages.  Your insurance company will also hire their own independent appraiser and the two appraisers will then get together and select an umpire. The umpire is basically an arbitrator, or what you might call the judge. If a disagreement between the two appraisers arises, they can present their differences to the umpire who will make a ruling.

What does my insurance paperwork contain?
Your insurance paperwork is typically referred to as your Adjuster’s Summary or Loss Estimate. This paperwork contains both an itemized list of work approved to be performed, and the cost or budget to perform the work. This initial budget and list of items may or may not be adequate to perform the job properly. It is best reviewed by a professional roofing contractor that specializes in insurance claims. Roofbids makes it easy for you to upload your insurance paperwork to assist our Roof Pros understand the job requirements and budget allowance so they can better assist you. Our Roof Pros can provide accurate online estimates and proposals based on the approved repairs provided by your adjuster, prior to booking having to book an appointment with you.

As an example, you can review a sample Adjuster Summary provided by Allstate.

http://www.allstate.com/Allstate/content/refresh-attachments/AA-Adjuster-Summary.pdf

What is ACV (Actual Cash Value)?
(ACV) is a “cash” method of valuing insured property. Actual Cash Value (ACV) is computed by subtracting depreciation from the replacement cost. The depreciation is usually calculated by establishing a useful life of the item and determining what percentage of that life remains. This percentage times the replacement cost gives the ACV. ACV is typical for car insurance policies, but is relatively uncommon for property insurance policies.

An example: a man purchased a 20 year roof for $10,000 ten years ago and it was damaged beyond repair in a hurricane. A similar roof today costs $12,000. The damaged roof had 50% (10 years) of its life remaining. The ACV equals $12,000 (replacement cost) times 50% (useful life remaining) or $6,000.

How is RCV (Recoverable Depreciation)?
RCV is the most popular method of determining the value of an insured item for property owners. Replacement cost is the actual cost to replace an item or structure at its pre-loss condition. As a rule, insurance companies will not release depreciation until the roof is complete. This fulfills a contractual stipulation that the insured asset must be actually repaired or replaced before the replacement cost can be paid.

An example: a 20 year roof is purchased for $10,000 ten years ago and it was damaged beyond repair in a hurricane. A similar roof today costs $12,000. The damaged roof had 50% (10 years) of its life remaining. The ACV equals $12,000 (replacement cost) times 50% (useful life remaining) or $6,000. The difference between the ACV and the cost of a similar roof is $6,000, is the RCV. This amount is held back by the insurance company until the roof is replaced and invoiced for the full amount, $12,000.

Why Choose the Insurance Proceeds Option?

At Secure Roofing, we will review the adjuster’s claim summary that you have provided, inspect the property, and provide an estimate to compare to the estimate provided by your adjuster. If there is a discrepancy, we will negotiate the difference with the insurance company on your behalf. In many cases this will be a simple process of faxing an estimate and calling them to discuss the differences. Recently some states have made it illegal for roofing contractors to negotiate directly with insurance companies. While this may help contain costs, it may compromise your our ability to restore you property in pre-storm condition. Regardless, in any situation where pricing and key roof components are not being paid for properly, a phone call or fax from you may be helpful. Once the negotiation process has been completed, the insurance company will release a supplemental check to cover the additional amount that was determined through negotiations with the insurance representative.

Your Deductable
In an insurance policy, the deductible is the amount of expenses that must be paid out of pocket before an insurer will pay any expenses. It is normally quoted as a fixed quantity and is a part of most policies covering losses to the policy holder. The deductible must be paid by the insured, before the benefits of the policy can apply. Typically, a general rule is: the higher the deductible, the lower the premium, and vice versa.  Keep in mind, in most states, including Texas, covering your deductible is viewed as an illegal incentive or illegal rebate.

Funding my Roof Installation
You should receive the initial (ACV) check when the claim or “Adjuster Summary” arrives. It may have your mortgage company’s name on it, in which case you would have to contact them to find out the proper procedure for getting their endorsement. Each company has specific directions to follow. There may be additional paperwork needed by the mortgage company. This process will typically take about 10 days.

Most homeowners choose the Replacement Cost coverage type of policy over the Actual Cost Value policy. The initial check may be just a small percentage of the full amount needed to replace the roof. This is due to the fact that the deductible and depreciation are withheld from the check. If you have a replacement cost policy, should you pursue the Insurance Proceeds Option (IPO), Secure Roofing will file for the depreciation withheld by the insurance company after the work has been completed. It will not be due from you until you have received this check and had it endorsed by your mortgage company. The deductible (your portion) is typically due immediately upon completion of the roof and is paid directly Secure Roofing.

Materials, Warranties, and Credentials
At Secure Roofing, we have the credentials that allow us offer extended warranties that are backed by major manufactures. When gathering estimates and proposals for your insurance claim, Secure Roofing recommends that you consider materials used, warranties, credentials, and reputation. Regardless of your settlement paperwork, our pledge is to install complete, high performance roof systems backed by the best warranties.
How the Insurance Process Works
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