Hail, wind and storm damage are considered an insurance loss on your homeowner’s policy. Most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged. The claim is also considered a natural disaster and does not count against you for future rate increases. SimpliRoofing specializes in accident and weather-related damage repair and replacement; including exterior roofing & gutters. We will deal with your insurance company and meet with your insurance adjuster on-site. Our involvement prevents you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied.
With SimpliRoofing you pay no out-of-pocket expense other than your insurance deductible. We agree to accept what your insurance company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement. You may also benefit from upgrades that we typically offer as signing incentives, such as upgrading the customer from 3-tab shingles to architectural shingles at no additional charge. Our company is also the most credentialed roofing contractor in Georgia, and our employees are trained to the highest standards.
Process of Roofing Claims
Before you file roof damage insurance claims, you may be surprised to hear that having a roofing system inspection from a roofing company can aid you! At SimpliRoofing, we offer residential roof insurance claims assistance, which will make the roofing claims process a whole lot easier.
- First, we ask that you provide us with a copy of your insurance adjusters summary report, so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately
- Second, we match our contract to the work specified in the insurance adjuster’s summary report, including any supplements that may need to be added if the insurance adjuster missed something.
- Third, we email or fax the signed contract to the insurance company.
- Fourth, if there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. You will need to overnight the check for endorsement and forward the documents needed to process to your mortgage company. Any costs that you incur to overnight your check to be endorsed by your mortgage company, we will deduct from your price.
Roof Insurance Claims Assistance from Your Local Roofing Experts
At SimpliRoofing, our team of certified, expert roofing contractors are here to provide exceptional roof insurance claims assistance. From the first inspection to roofing system repair or replacement, we help you through every section of this process. Your requirements and customer experience are our first priority, and as such we take time to ensure you are completely apprised of the roofing process and your requirements are met. Let’s begin today! Call SimpliRoofing at (470) 361-2210 for roof insurance claims assistance in Atlanta, GA and the surrounding area!
Insurance Claims – FAQ
Q. How do I know if I hail damage? My roof isn’t leaking.
A. In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be clear and may not start to leak for some time. It’s best to have your roof inspected by SimpliRoofing to determine if we need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.
Q. The insurance company withheld depreciation on my roof. Will I get that money?
A. Yes. Most all home owner’s policies cover full replacement value. The first check the insurance company gives you is the Actual Cash Value (ACV); what the roof is worth today with it’s useful remaining life. The money that was withheld is call the depreciation, or technically, the Replacement Cost Value (RCV) and will be paid to you when the work is completed or most times upon the submission of a signed contract with contractor for the work specified in the insurance adjuster’s summary report.
Q. Why did the insurance company withhold depreciation?
A. There are two reasons that the insurance companies hold some money back. The first reason is to make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, many people end up spending it on something else which is Insurance Fraud. The second reason is that they wish to make sure that you pay your full deductible. The insurance companies reason that, if you are given all the money to begin with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand. By holding a retainage amount, they can adjust the amount of the final payout based on the roofing contractor’s invoice, thus assuring that the customer does pay the deductible.
Q. How can I avoid paying the deductible?
A. Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please don’t ask us to do this.
Q. On my paperwork, it looks like my insurance company has already deducted my deductible from the check they sent me?
A. When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the home owners deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible, is the total amount the insurance company will pay for the claim.
Q. The insurance is only paying for part of my roof, and my neighbor’s insurance company paid for their entire roof; why is my insurance company only paying for part of my roof?
A. No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, if is it border line, it is imperative us inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they’re not able to walk on a step roof and photograph certain areas. SimpliRoofing ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.
Q. What if your scope is greater than the insurance company’s estimate?
A. Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.