How to handle an insurance claim:
Insurance restoration is different than normal home renovation. Three parties need to come to agreement you the home owner, your contractor, and your insurance carrier (represented by a adjuster). It a good idea to have a professional in your corner Quality First Roofing is experienced at insurance restoration. We have a team of specialists who deal with your insurance company making sure you receive the maximum benefit with the least effort. Call and set up a free in home estimate and we can clarify the whole process in person with one of our estimators. Here is what you can expect when you file a insurance claim:
*Note: If damage has made your home dangerous or susceptible to weather infiltration temporary repairs are usually covered by insurance. Learn more about our 24 hour emergency repair service.
- Call your insurance company and state you would like to make a claim, you will receive a claim number and with in a few days they will schedule a home inspection with an insurance adjuster.
- Select a contractor that is familiar with insurance claims process like Quality First Roofing.
- Have your insurance adjuster and your contractor meet during your first home inspection. This will insure that all damages are included in your claim at a fair price.
- You and your contractor should review the scope of work and payment terms of your insurance claim. Pick your brand, color and style of materials, this should be in writing. Sometimes the first check (ACV check) will be made out to the you and your mortgage company. Contact your mortgage company and start the process to get the first check endorsed.
- Next your job will be scheduled and materials are delivered. This is usually when the first check or ACV amount is due.
- When the job is done and you are 100% satisfied, you are expected to pay your deductible and any pre agreed upgrades. This should be the maximum out of pocket cost to you.
- Your contactor will then invoice your insurance company and they will then send out the final payment or the deprecation.
- After you have endorsed and delivered final payment be sure to receive a paid invoice, written labor warranty with a separate manufacture warranty, and a lien release proving all materials have been paid for.
Next learn what to expect during your free in-home estimate
