The Claims Process
Step 1. Inspection
The first step in this process requires an inspection by someone who
is trained to recognize all types of storm damage as well as shingle
imperfections or mechanical damage or deterioration. Start with a free,
no-obligation roof inspection and get a detailed inspection report.
Step 2. File your claim
Calling in a claim can be an intimidating process. Make sure you are
prepared. Your insurance company will likely ask you if your roof has
already been inspected and if you have selected a contractor. It is
always advisable to have your contractor available to help with
answering their questions, so any wrong answers do not come back to
Step 3. The adjustment
Always remember is the adjuster works for the insurance company.
They do not work for the homeowner. It is important that you have
someone there to discuss the damage on your behalf. When they
inspect the roof together, they are more likely to be on the same page
about what will be covered by insurance. This will save you a lot of
back and forth phone calls. And you will be able to get the project
started in a timelier manner.
Step 4. Receiving the insurance estimate and acv check
Most adjusters are not contractors. There will be items purposely
overlooked in order to save the insurance company money. Denied
claims are not the only way the adjuster is trained to save money.
Often there will be items overlooked simply due to them not being
experienced in roof replacements. It can and will be negotiated and
The insurance allowance is broken down in three parts. First there is
the replacement cost value (RCV). The RCV is total amount of the
The adjuster will then depreciate the RCV according to the age and
condition of the shingles,(The depreciation is paid to the homeowner
when the project is completed). The deductible (portion of the claim
the homeowner is responsible for) is subtracted from amount that is
left over and that is called the “Actual Cash Value” (ACV). The ACV is
paid to the homeowner with the initial insurance estimate to get the
Step 5. Final billing after the project is completed.
After the project is completed the contractor should present the
homeowner and the insurance company with a final invoice. The final
invoice should include the amount of depreciation, the deductible (if
homeowner hasn’t previously paid it) and any supplements amounts
of items that were missed, unforeseen, or any items that are “paid
when incurred” for code upgrades.
It sounds and is complicated. This is by design. The more complicated
a system the more chance some of the billing will be missed therefore
saving the insurance company money.