By understanding how a roofing insurance claim also known as damage assessment works, this will allow a smoother work process for the homeowner, roofing contractor and the insurance company.
The insurance claim process consists of three basic steps:
- Inspection by the adjuster. After a homeowner reports the damage to the insurance company, the insurance company will send an adjuster out to process the damage. The adjuster will inspect the roof. It’s helpful if the roofing contractor has done its own assessment of the damage, so the adjuster can take special notes of the damaged areas, according to the contractor. Once the adjustor assesses the damage, their inspection will be sent to the insurance company.
- Reviewing the claim. Once the inspection is filed, the insurance company will create a claim. During the review of the claim, the insurance company will evaluate the report from the adjuster to determine how much the homeowner should receive for the repairs. This process can take several days or even weeks. While the claim is being reviewed, it’s not uncommon for the insurance company to ask questions, and request more documentation from the roofing contractor about the damage assessment.
- Finalizing the claim. Once the claim has been reviewed and processed, the insurance company will send a check for that amount to the homeowner. The check is intended to cover the costs, either of repairing the roof to its original condition or replacing the roof entirely (depending on the terms of the insurance policy). Once the check is received, the homeowner and the roofing contractor will work together to go over the scope of work and draw up a contract to repair or replace the damage to the roof.
Working on a roofing insurance claim can be easy if you know how the process works.
If your roof has been damaged and you need help with your roofing insurance claim, call Down Under Roofing, your local roofing company in Kansas City. Our team at Down Under Roofing is dedicated to providing great results. We treat you with respect by offering honest and fair pricing that will fit most budgets. Contact our team today to see how we can help you with your roofing needs.