During our first visit, we will provide you with information regarding the insurance industry's standards so you could make more knowledgeable decisions. Our Insurance Restoration Expert will not force this on you. We are nice and caring people. We care for home and property owners. That's our job. We are glad to share the knowledge of insurance claims.    

Estimating

• What is Xactimate? (Over 85% of insurance companies use it)

• What is the EagleView report?

• Importance of Building Codes – IRC 2015, IBC, IECC

• What’s wrong with this adjuster’s estimate? (case study)

​​Insurance Procedures

• Filing Insurance Claim

• Contingency Agreement

• Adjuster Inspection

• Supplementing Process

• Mortgage Process 

Myths vs. Facts

• RCV, ACV, and Depreciation

• Increased Premiums

• 3 Estimates

Filing an Insurance Claim
When we verify hail damage to the property we advise you to call your insurance company to initiate a claim. We would like to do it for you but we cannot only because it is the requirement of the insurance companies and by the law, it is not allowed for us to file a claim on your behalf. We would like to call on your behalf but we cannot do that legally. So, we won't.

What we can and will do is to provide you with the extensive Property Inspection Report that you can forward to your insurance company. We will leave you a hard copy and can email a digital copy to you upon request. When you file a claim, use our form Filing Claim provided in our Presentation Folder. There is one important thing to be remembered, requesting your insurance company permission for your contractor of choice to be present at the time of the adjuster inspection.  

If necessary and only upon your request, we will do temporary repairs and cover the roof with tarps as soon as possible to prevent your house from further damages.

Meeting with Insurance Adjuster
After you file a claim, and the insurance adjuster is assigned to your claim he/she will be scheduled to come out to verify the damages and to create an estimate that will almost always miss some very important items like roof elements that definitely have to be completed when replacing a roof. But that's not a problem because your insurance adjuster will mention that if he missed anything, we can notify him before starting the work to make corrections to his estimate. Our Roofing Specialist will meet with the adjuster as a courtesy of our services. Our policy is to let the adjuster do his/her job and not interfere unless a significant mistake about the claim is being made.

Once you have an insurance claim number, you should notify our Roofing Specialist about the day and time when the insurance adjuster will be inspecting the roof. This way we can be there for you and pinpoint little things here and there that insurance adjusters in rush very often get to miss. Very often so-called field adjuster is not authorized to take into account certain items when creating an estimate. Those items have to be taken to the so-called desk adjuster or sometimes a manager for approval before we begin any work on the restoration project. We would not stress this much but among those missed items are often items that are required by the local city building codes and we cannot violate the building code when constructing your roof. We always make sure that we adhere to the building codes. Doing so ensures that your roof is done right.  

Our property assessment is always documented with pictures and supported by the IRC (International Residential Code) and the current adopted city codes. We understand the construction part of the Restoration Project very well and take it seriously when it comes to building the roofs up to code.