The roof insurance claim process can overwhelm many homeowners at a time when they are often dealing with other stresses that come with having a damaged house. When disaster strikes, it’s best to have a plan of action to expedite the process.
This straightforward checklist will help you keep your roof insurance claim process on track:
1. Secure your property: Temporary repairs are typically covered by insurance to protect your property from further loss or damage.
2. Call your insurance agent: Report the possible loss; let the professionals determine the extent of the damage. This is also a good time to talk to your agent about their roof insurance claim process, as it may differ from provider to provider.
3. Select your contractor: Protect your best interest by choosing a contractor familiar with local code requirements and comfortable with the insurance claim process.
4. Adjuster meeting: It is recommended that your roofing contractor be at the adjuster meeting. The contractor will help answer questions regarding damage found and ensure that all damage is discovered. We do not negotiate with your insurance adjuster we can only discuss our suggested scope of work that we believe is necessary to restore your home. We can also discuss any local code requirements with the adjuster that they may not be aware of.
5. Call your mortgage company: Advise them of your claim and inquire about their procedures for draft endorsement and contractor’s affidavits, lien releases, etc. Be proactive!
6. Send check to mortgage company: Do not endorse the check until you have confirmed the mortgage company’s process, if possible send the check to your mortgage company and request their endorsement first.
7. Review & schedule project: After you and your contractor have agreed on the scope and terms of the contract, you should schedule the work to begin as soon as possible.
8. Accept material delivery: Verify the material manufacturer & color with your contractor. (Expect to pay the first check at this time, typically this is 1/2 of the total amount of the contract).
9. Inspect your project: Once the job is completed and your are 100% satisfied with the work, you should expect to pay the balance of your first proceeds.
10. File betterment claim: Upon receipt of the invoice, showing that the job is complete, and you have spent the first proceeds, you can file for the depreciation amount.
11. Secure all documents: Be sure you have all warranty documents and any waivers of lean. Keep all documentation in a safe place and treat it as you would any warranty information.