Insurance Claims
If a storm has damaged your home, the process of repairing your home can be confusing and if you don’t know what you’re doing you could end up with less than you bargained for on getting your home or building back to its pre-existing condition.
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When dealing with insurance companies on an insurance claim, unless you are in the roofing industry, it is very difficult to understand what your insurance company is paying for and what they are not. Your only concern when you have wind, hail, or other storm damage to your home should be if you feel comfortable with the company you have chosen to get your home put back together again. You should research them and look at the references they provide. If you’re given a price to do the work by a contractor and it does not reference the scope of work that the insurance adjuster put together, you are not operating out of the same playbook. Castle Roofing has extensive experience working with properties that have insurance claims.
We use xactimate which is the same software and pricing database that insurance companies use to create a scope of work and price a job.
We also have the construction knowledge necessary to complete a job that might have multiple trades. Giving you the knowledge that you need to work with your insurance company is key. At times, the insurance adjuster may not adequately put together a scope of work to repair your home that is sufficient.
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It is also essential that if we are hired by you that we provide your adjuster easy to understand supplements if the scope of work he or she came up with does not completely repair the property. Knowledge of billing procedures and documents required by both insurance companies and mortgage companies also help greatly in expediting your claim and getting your home put back together. Your deductible is the only thing you need to worry about when you have an insurance claim, figuring out what it will take to get your home put back together is our job.
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Looking to finance your project? Call us at (877) 766-3910 or schedule service online and let us know that you would like to apply to finance your repair or project.
David Walker
"Castle Roofing inspected my roof and notified me of some storm damage. They helped me file an insurance claim and walked me through the process. After they met with the insurance claims adjuster, I was approved for a new roof..."
Sarika D
"Had a great experience with them. They handled the insurance process from start to end so it became much easier. Work was good and site was cleaned after the job."
Ash Stan
"These are AMAZING people to work with. They work hard for you! They know what needs to be done and will handle everything they can on their end to get you what you need. They worked with my insurance company and had to fight for what was rightfully owed to me via homeowners insurance. Very polite and respectfully. Understanding and kept me well informed."
FAQ
Should I call my insurance company or a roofer first after storm damage?
If you suspect storm damage, follow your insurance company's instructions for reporting the loss and consider having your roof inspected. We offer free hail and wind damage inspections to look for storm-related problems and document what we find. We can also help you understand the roofing information involved in the insurance process and review the insurance company's adjustment with you. That gives you a clearer picture of your roof's condition before you decide how to move forward.
Does an older roof mean the insurance company will pay me less?
It can, depending on your insurance policy. The amount your insurance company pays depends on your policy, including its coverage, limits and deductible. Other policies may cover the replacement cost. We can help you understand the roofing work and review the insurance company’s adjustment, but your policy determines how the covered damage is settled. Your policy deductible and other coverage terms can affect what you pay out of pocket.
Should my roofer be there when the adjuster inspects my roof?
It can help to have your roofer involved when the damage is inspected. We inspect the roof for storm damage, document our findings and review the insurance company’s adjustment. If there are differences between what we find and what appears in the adjustment, we can explain the roofing details and provide the documentation we have. Our goal is to make sure you understand what was found and what work your roof may need.
How long does a roof insurance claim take, and what if mine stalls?
There isn't one timeline that works for every roof insurance claim. It varies by insurer, type of damage and what information is needed to review the claim. We help with the insurance process and supply documentation for the roofing work. If your claim is taking longer than expected, you should contact your insurance company for an update. If you have questions about the roofing findings or the insurer's adjustment, we're happy to help explain what we documented.
Insurance denied my roof claim. Can I reopen it, or is it over?
A denial does not necessarily answer every question about the condition of your roof. What you can do next depends on why your claim was denied, your policy language, and the claims process of the insurer. We can look at the roof, make note of any storm-related damage we see, and compare it to the insurance company’s adjustment. We can explain what we see from the roofing side, while your insurance company can explain the coverage decision and any options available for reviewing the claim again. If your insurance claim is denied or disputed, we can also refer you to an independent, licensed public adjuster who may be able to assist you with the claim.