Insurance Claims Process

Navigating the insurance claims process can be complex. At Family Roofing, our Claims Specialists are trained to guide you through each step.

Step 1: Inspect the Roof for Damages

We offer a free roof inspection to assess storm-related damage. Our team will visit your home, evaluate whether the damage warrants insurance coverage, and provide you with photos to show the necessary repairs.

Step 2: Set Up an Insurance Claim

If significant storm damage is identified, our Insurance Claims Specialist will assist you in contacting your insurance company to file a claim.

Step 3: Insurance Adjuster Inspection

After filing the claim, an Insurance Adjuster will schedule a visit to inspect the damage and determine if the insurance will cover the repairs. It’s crucial to notify Family Roofing of the Adjuster’s inspection schedule. We will be present during the inspection to highlight the damage and optimize your claim settlement.

Step 4: Receive the Loss Report & First Check

If the claim is approved, you will receive a Loss Report detailing the scope of damage and the funds allocated for repairs. The first check will be included, reflecting the settlement amount minus depreciation and deductible. Typically, the mortgage company will be listed as a payee, so you’ll need their endorsement before cashing the check.

Step 5: Sign the Family Roofing Agreement

Contact us upon receiving the Loss Report. We will ensure you are fully compensated by comparing the insurance figures with our estimate. You will only be responsible for your deductible and any desired upgrades. Once everything is confirmed, you will sign the agreement and choose your roof color.

Step 6: New Roof Installation

Our crew will remove the old roof and inspect the decking. Any damaged wood will be replaced before installing the new roofing material, usually completed within one day. Review the “What to Expect” form in your Family Roofing folder to prepare for the project. We do not require upfront payment for insurance settlement jobs; instead, we will collect the first check amount on the day of installation.

Step 7: City Inspection

After installation, we will arrange for a city inspection to ensure the roof is properly installed. A city inspector may need access to your property, and a ladder might be left outside.

Step 8: Receive the Second Check

Once the roof installation is complete, we will submit an invoice to your insurance company along with any necessary supplemental information. The supplement approval process involves providing documentation, such as photos and relevant building codes (International Building Code – IBC or International Residential Code – IRC), to demonstrate the need for additional items that were not included in the original insurance loss report or to ensure compliance with code requirements. Following this, the insurance company will issue the depreciation amount, typically ranging from 10% to 40% of the replacement cost, along with the approved supplement amount.

Please contact Family Roofing when you receive the second check so we can collect the final balance and your deductible. Once the payment is complete, we will provide you with an Installation Certificate and warranty information.

Contact us today to schedule a consultation and get started on working on your roofing claim.