A Homeowner’s Guide to Roofing Insurance Claims & Mortgage Check Process

At Roof Crafters, we would love to assist you with your insurance claims from the first step to the last. Watkins Construction & Roofing work closely with the insurance companies and we make sure that you receive maximum coverage.

Insurance Claims: How to Work with Your Insurance Company for the Best Results?

If there is damage to the roof in your residential or commercial property, you might understand how cumbersome the roofing claim process is. Many homeowners face tonnes of difficulties in this phase. The process can stretch to weeks and months together to get the claim from your insurance company and all this while, your roofing repair has to be delayed. The experienced roofers here at Watkins Construction & Roofing have listed a few tips here. All you have to do is follow these simple tips and a trusted Baton Rouge roofing contractor like Watkins Construction & Roofing will have your roof repaired quickly and efficiently, within your budget. Let’s get started:

1. Contact our friendly experts at Watkins Construction & Roofing for a free onsite inspection of your roof.
2. If there is any roofing damage, we will help you file the claim with the insurance company using our proven process.
3. The insurance company shall provide the necessary authorization for temporary repairs to avoid further damage to your home.
4. Your insurance provider will also send an adjuster to your location that will conduct the inspection of the damage and issue the first payment along with the required paperwork.
5. Once the paperwork is in proper order, we begin performing the needed repairs.
6. After completing the paperwork, we provide the same to the insurance company to have the final payment cleared.
7. Once you pay in full, we will mail you the warranty paperwork and the final receipt. We will be glad to assist you in the paperwork too.

Set up Meeting with Your Adjuster

Do not panic if you discover any kind of damage on your roof. Firstly, take pictures of the damage such as any visible dents. Make sure you have a record of any shingles that may have been missing or ripped. These damages are common especially after a severe natural phenomenon such as a hailstorm or a tornado.

Document the damage in as much detail as you can by taking clear pictures. If there are holes or leaks, it means the roof needs to be repaired urgently.

Contact your insurance company to make the claim as soon as you find someone who will repair the emergency issues. Most insurance companies provide round the clock access to their customer service. If not, you can make the claim on their website and approach them when the office opens to know the status of your application.

1. The insurance company will set up an appointment with an adjuster.
2. The adjuster will represent your interest as well as the insurance company in the meeting.
3. Contact our experienced roofers and let us know when we can be at your property to meet the adjuster.
4. We will ensure that all the damages are covered by the insurance company.

NOTE: The procedures may vary with every insurance company.

Insurance Claims Process Mortgage Check Endorsement

When the insurance claim is filed, there are certain procedures to be followed. We will focus on both the roofing repair as well as the insurance claims process. There are two checks issued for the work, and the second one is called recoverable depreciation that is provided after the completion of the roofing job.

How The Claims Process Works?

What is the first step after filing a claim for your roof that has been damaged by wind and hail? It is to contact a trusted roofing contractor. After the insurance claim has been filed, the adjuster from your insurance company will usually be at your place within 48 hours for inspection. After assessing your roofing damage, they will provide you with an initial offer that is called the insurance scope of loss. Afterward, you’ll receive the first check, which is the advance on the total claim amount and not the final payment.

Sometimes, you may receive an on-the-spot settlement, and depending on the insurance company you are dealing with; you can accept it. If the roofing contractor finds that there are more damages to be repaired, they may help you file a supplement for the additional damage. In most insurance policies, you are required to file the claim within one year of the date of the wind/hail storm. Make sure to verify with your insurance company for the same.

Understanding the Process for Structure Claims

For mortgaged properties, the check for repairs will usually be issued to both the homeowner and the mortgage company. As a general procedure, all the parties have to endorse the claim check. Most lenders also require their names to be included in the insurance policy under additional insured.

It is often a misunderstood part during the insurance claims check. Both lender and the homeowner get equal rights to the issued check. This may be frustrating for most homeowners. When there is an involvement of a bank or a mortgage company, they will need to endorse the claim check before you make any payment to the roofing contractor Jackson MS.

For more guidance on filing your insurance claims, get in touch with the leading roofing contractors – Watkins Construction & Roofing today!

John is an Real state blogger and marketing manager. He maintains keen interest ongoing and development within the marketing and business space.