RESIDENTIAL INSURANCE PROCESS
The Insurance process can be daunting - we can make it easy. Below is a basic explanation of the process. Please feel free to call for a FREE inspection to determine if you have a claim.
BEFORE YOU MAKE A CLAIM
Call us. Your first step is determining if there is enough damage to file a claim. It is important to use a contractor that has experience in finding and knowing what hail damage looks like. Many roofers do not know what hail damage looks like. We become your advocate with the insurance company.
If you have enough damage, we instruct you to call your insurance company and start the claims process. They will ask a few questions that we can help explain. They will usually have their adjuster call within a few days to set a time to come out and look at the damage.
It is important to pick your contractor (hopefully us) before the adjuster comes and inspects. This is not your normal "give me a bid" process. The insurance company is going to determine the price. Just like an auto claim, you are only responsible for your deductible. We know what they pay per foot for roofing, gutters, garage doors, etc. The adjuster is coming out to determine the "Scope of Work", which is a line item account of the damage - putting together the total of the claim. It is important to have your contractor there to make sure all the pieces are listed and accounted for. If there are questions, the adjuster will not have to guess, he can converse with us on how to get the work done. Adjusters will NOT overpay for the work to be done... just the opposite. It is our job to make sure the claim is fair. If something is missed, we can always submit a "supplemental claim" which is an adjustment to the total. You will never pay more than your deductible. If a contractor can do the work for less money, then he is usually leaving something out. Again, the insurance company does NOT overpay. Also, if you find a contractor to do it for less, that is what the insurance company will pay. Reporting one price when getting it done for another, may be considered insurance fraud.
After the inspection, the adjuster puts together the paperwork "scope" (usually takes several days) and sends it in to the insurance company. Within a week or so, you will get a copy of the "scope" along with a partial check. This first check is to start the process, the rest comes when the work is completed. They hold back a portion, usually about half to a third of the entire claim. This is called "recoverable depreciation" which means - this is the depreciated amount and will release this remaining portion to you when the work is completed.
AFTER RECEIVING YOUR CLAIM & CHECK
You now have your check and "scope". We check the scope to make sure they have not missed anything. The "adjusting" process is just that.. if they miss something we can submit a supplemental claim and get the claim "adjusted" to include the missing item.
We now start the work. Usually after the roofing process, we pick up the first check. This may not cover the entire cost of the roof, but we do not ask for more. We will front the money to complete the entire claim. This includes gutters, garage door, windows, patio covers, etc. If I, as a general contractor am not involved, you would be responsible to pay all the individual specialty contractors, turn in their receipts and wait to get reimbursed.
Work is completed. We now submit our final invoice to the insurance company and they release the rest of the claim funds. This usually takes another week or so. In Idaho, if there is a mortgage on the home, many insurance companies include the mortgage company on the checks. This can cause delays and additional paperwork that we can explain and help you with.
The entire process seems complicated... but with the correct knowledge it is quite easy. It just takes longer than a normal contracting process.
We would love to be your contractor and help you through this process and UN-complicate the work ahead.
Below are some of the items sustaining damage in the storm :
Roof Garage Doors Metal Patio Covers
Gutters Windows Fences
Screens Paint Siding
A/C coils Decks Facia Metal
Light fixtures Spa Covers Pool Covers