Understanding The Insurance Claim Process After Severe Weather
Your building is one of your biggest assets. As such, the integrity of your roof is of great importance. While preventive measures are taken to ensure the most weather resistant roof possible during construction, severe weather does happen – sometimes roofs suffer damage from hail, high winds, and other forms of extreme weather. This is one reason that insurance plays an important role in the roofing business. On this page, we will walk you through the insurance claims process to help you understand how everything works should you need to file a claim due to any possible damage.
How Do You Know If The Roof Is Damaged?
The morning after a large storm has passed through your area, you may find yourself wondering if your roof has suffered any damage from the weather – you may have heard hail beating down on the roof or similar conditions that are a cause for concern. If this is in question, contact Colossal Roofing and schedule a time where we can come out and assess the amount of damage, if any, to the roof. We will then discuss with you the extent to which your roof is damaged or if it has not suffered any damage at all. If the damage is significant, filing an insurance claim will be the next step.
In the event there is significant damage to the roofing structure, insurance is a welcome service. The first step is to contact your insurance company and schedule an appointment for an adjuster to come out and assess any damages. While this is in many ways similar to the assessment we perform, the insurance company will want to assess it themselves – our assessment simply lets the building owner know whether or not a claim should be filed. After the adjuster’s assessment, within a few days the insurance company should send the building owner a summary of damages as well as the first check. Colossal Roofing can view this paperwork and discuss with the building owner the accuracy of the summary and payment estimates.
Each insurance company may handle this process differently – therefore it is difficult to provide definite answers to certain questions ahead of time. Colossal Roofing will assist you in any way we can throughout the claims process, though your particular insurance company may determine the level of involvement that we can have in the process. Our goal is to minimize the best we can any overwhelming aspects of the paperwork and the process itself. Since we have experience with hundreds of claims, we can provide reliable professional advice wherever needed.
Repairing/Replacing The Roof
Following a roof claim approval you will have a set time limit to repair the covered damage depending on your insurance company. After Colossal Roofing discusses with the building owner the accuracy of the insurance company’s assessment and payment estimate, the Colossal Roofing representative will discuss with the building owner any materials needed to perform the replacement or repair as well as costs. If there is a mortgage on the business the first insurance check will usually require your mortgage company’s approval of the contract for the scheduled roof replacement or repair. Once the work is complete, Colossal Roofing will send an invoice indicating total costs and signed verification of the completed roof project to your insurance company. Once the insurance company has reviewed this information, the building owner is sent a second check to cover the remaining cost for the repair/replacement that the first check did not cover.
At this point, the insurance claim process is complete and the building owner has a new or repaired roof. Though to many building owners this may sound like an exhausting process, we at Colossal Roofing are here to assist in any way we can – from the assessment and filing of paperwork to the completion of any and all necessary repairs.