Insurance Claim Experts

We Can Help Filing Your Claim

If you have a storm or hail damaged roof, depending on your home insurance policy, you may be eligible to file a claim and have it fixed. Before filing an insurance claim, there are a number of things that you need to be aware of to get this process done successfully and efficiently. At Campbell Roofing, we are experts in navigating these choppy waters, and we can walk you through this process step-by-step and identify any pitfalls along the way. Below you will find 11 steps that we suggest as a way to approach the claim process when your have suffered storm damage.

1. Find a Good Contractor

If you don’t already have a roofing contractor in mind, we hope you’ll consider us, just make sure you select a LICENSED reputable company. If you don’t, it will complicate the claims process! Select a contractor like Campbell Roofing Contractors that utilizes roofing imaging software. This means fewer visits to your home will be required because your tech-savvy contractor can perform measurements from aerial and satellite imagery. Damage you might have overlooked can be detected from overhead images of your home. Software-equipped contractors can survey your home remotely and even examine high-resolution imagery.

2. Get Your Roof Inspected

Next, get the contractor to come inspect your roof to confirm and document the damage. They will take plenty of photographs in order to “build a case” for proper repairs of your roof. Make sure that your roofing contractor is in good standing with your insurance provider. It’s always a good step to get a contractor to do a preliminary inspection because it will also validate what the insurance adjuster finds. This allows the roofing contractor to submit paperwork to your insurance provider on your behalf.

3. Make Temporary Fixes

Ask your roofer to make temporary repairs to your home, if needed, in order to protect it from further damage. It is the responsibility of the homeowner to do this, but you should save the receipts for supplies so that you can turn them in for reimbursement by your insurance company later.

4. Schedule the Adjuster

Once your roofing contractor has confirmed the damage, contact your insurance company asap. Within a few days, the adjuster should come out to your property. Let your contractor know when the adjuster is scheduled to visit your property to do the inspection. Your contractor may wish to meet you and the adjuster at that time. If necessary, encourage your contractor to be there. It is very important that they are present to point out areas of damage and concern.

5. Take Notes. Ask Questions!

While the adjuster is with you, take down a few notes, including the adjuster’s name, the date and time of the visit, and the claim number. This makes it more convenient and faster for you and the insurance company to communicate details about your claim moving forward. Also, don’t be afraid to ask a few questions…
“Is the damage described covered under the terms of my policy?”
“How long do I have to file a claim?”
“How long will it take to process the claim?”
“Do I need to obtain estimates for repairs?”

6. Understand All the Details

After the adjuster inspects your property, the insurance company will approve whatever roof work is needed, while your contractor works with the insurance company to be sure the scope of work is understood by all.

7. Insurance Repair Estimate.

The insurance company will issue a repair estimate and the funds which will be needed to cover the repairs or roof replacement.

8. The Job Begins…

Your roofing contractor will set the time-frame for work to begin and will order the materials necessary. These materials will arrive at your property prior to the start of the project. Your contractor will be responsible for completing the work according to the agreed-upon schedule they set with you and the insurance company.

9. How Payments Work.

Usually, the roofing contractor is paid once the work is completed. If you hold a mortgage on your home, the insurance company’s settlement check will usually be made out to you and the mortgage lender. Mortgage lenders therefore have equal rights to the insurance check. They do this in order to ensure that the necessary repairs are made to the property. After all, your mortgage company has a financial interest in your home. Therefore, the mortgage company or bank will have to endorse the check. Lenders generally put the money in an escrow account and pay for the repairs as the work is completed.

10. About Extra Expenses.

Next, the contractor will invoice your insurer for any additional supplemental funds owed for the work they completed on your behalf. You will receive these funds from your insurance company and they will be paid by you to your contractor.

11. Your Mortgage Company

It’s possible that your mortgage company will come to inspect the work after it’s done.You should check with your mortgage company after the roofing contractor has assessed the damage and before the insurance adjuster arrives so that you can discuss any specifics that your mortgage company may have about insurance claims, repairs and damages.

Campbell Roofing is Ready to Help You With Your Claim.

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Additional Claim Advice

Roofing contractors only have influence over the assessment and cost estimate of damages. They do not have any say-so in insurance policy matters. If there is a gripe over the insurance coverage, it’s a matter that the adjuster and the homeowner need to work through.

Overall, your roofing contractor, as well as your insurance company, want your new roof to be the highest quality it can be and the insurance coverage should reflect that. The last thing the insurance company wants is to pay out another claim next time there’s a severe weather event.

The same goes for your reputable contractor who promises to stand behind their workmanship like Campbell Roofing Contractors who offers a free three year workmanship warranty on every roof we build or replace.

Incidentally, if you own your home and no longer carry a mortgage balance, you might have elected to forego homeowners’ insurance. In this case there still may be help.

If your roof was damaged due to a catastrophe, you might still be able to file a claim by registering for Federal Disaster Relief at DisasterAssistance.gov. Federal assistance can help with temporary housing, home repairs, and other disaster-related expenses.

Finally, be on the lookout for scams following any natural catastrophe. It’s hard to believe that some people seek to take advantage of homeowners during difficult times, but it happens. Don’t deal with anyone who comes to your door offering to do repairs or claiming to be insurance adjusters.

(850) 803-4300