ROOFING INSURANCE CLAIMS
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Filing an Insurance Claim
You can contact your insurance company to submit a claim through a simple phone call. A representative of your insurance company will collect the necessary information about your roof damage. The representative will assign an insurance adjuster to visit your home/business to inspect your roof.
To receive assistance from us, you must contact us when the insurance adjuster calls to schedule an appointment.
Austin Roof Specialists will act as your advocate to ensure you receive proper coverage. Frequently, We agree with the adjuster. However, in many cases, Austin Roof Specialists’ presence has made a difference in the extent of coverage received.
We have helped thousands of customers successfully file an insurance claim or increase the amount of coverage received. For information on roofing insurance, see our article on how insurance claims work. Contact us if you have a specific insurance situation you would like to ask us about.
Insurance Claim Coverage
The types of roofing services or extent of coverage will vary based on your specific insurance policy, as well as on the particular circumstances related to the damage on your roof.
Under the right circumstances, your insurance can cover any roofing service included in your policy, such as roof repair, roof replacement, roof inspections, skylight repair, skylight replacement, painting jobs, roof coating, roof cleaning, siding, and exterior paintwork.
If you are unsure of which roofing services are covered by insurance, call your insurance provider to obtain the specifics of your plan.
Note: your insurance company CANNOT penalize you for submitting a claim when an extreme weather event damages your roof, such as a hail storm or wind storm.
By law, in cases of extreme weather events, your insurance company must pay for the fair market value of skilled labor and materials used for providing the roofing service to your home’s roof.
Insurance Claim Process
STEP 1. The first step is to contact your insurance company and schedule a meeting with your insurance adjuster to evaluate your roof’s hail damage.
STEP 2. Once an adjuster has reached out to you, don’t hesitate to get in touch with Austin Roof Specialists when the appointment is approaching so that we can be near when your adjuster examines your home/business.
STEP 3. If a significant storm has happened, many adjusters are flooded with calls, and they might feel hurried to get to the next home. Having a local Austin Roof Specialist near can ensure that no costs are dropped on your claim, saving you money and time.
STEP 4. Your insurance company will write you a check for the costs minus your deductible and recoverable depreciation. Once your roof is repaired, you will receive a final check referred to as recoverable depreciation.
STEP 5. Your insurance company will give you a packet that includes their appraisal of your new roof. In most instances, it is unclear how compensation is meant to be used. Your local Austin Roof Specialist will help you translate the package, answer your questions, and explain each item.
Replacing Your Roof
Once your insurance adjuster has completed the necessary paperwork, your local Austin Roof Specialist will present your colors and material choices. Once you’ve decided, we can schedule and replace your roof within the same week in most cases. Watching the weather conditions in the roofing trade is essential, so we must always consider weather forecasting before scheduling your roof replacement. The removal and fitting process can usually take one day. However, in some cases, the roof replacement process might take a few days! The Austin Roof Specialists will present all the documentation and invoice to your insurance company to inform them that your roof has been replaced. At that point, they will assign a final check for your recoverable depreciation.