Colorado’s Insurance Claim Assistance Roofing Specialists
Navigating the insurance process after storm damage to your roof can be extremely frustrating. Our job is to make this process easier for any property owner, whether residential or commercial.
Will My Insurance Pay for a New Roof?
It is essential to become familiar with your insurance policies to gain an understanding of the process as well as your coverage. We will work closely with you and your insurance company to ensure everyone is on the same page. gain an understanding of process as well as your coverage. We will work closely with you as well as your insurance company to ensure everyone is on the same page.
Claims for Storm Damaged Roofs
Most insurance companies will have time limit guidelines on how long you can wait to file a claim for repairs or replacement. Make sure you are aware of these limits so you do not miss out on your claim.
Inspect Your Roof for Damage After a Major Storm
To get ahead of the process, you can perform a few safe inspections before the roofing contractor arrives. Check for visible damage such as leaks or cracks. If there is apparent visible damage, document it with photographs. Never walk onto a roof after a storm; leave this to a professional. Even if the roof looks fine from your quick inspection, you should still contact your roofing contractor. Roof damage arrives in many forms, and it is vital to rely on a proper inspection.
What Type of Roof Damage Should You Look For?
Minor damage can include leaks, cracks, and water damage. Heavy winds can blow shingles and other coverings off of your roof. Hail damage can consist of dents or cracks, which may seem innocent but can cause significant future damage if not addressed. Considerable roof damage will be apparent. This type of damage will most likely occur after substantial weather, such as major hailstorms.
Any damage, no matter how small, should be documented excessively. Take pictures and videos if possible, and have our contractors and inspectors document the damage as well.
Roofing Insurance Claim FAQ’s
After the initial realization that you will need your insurance company to assist with roof replacement or repairs, you will most likely have many questions.
The process typically goes as follows:
- A claims adjuster associated with your insurance company will perform an inspection of your roof. PRQ will also inspect the roof to give an unbiased estimate of the repairs.
- After the official inspection, the claim (how much repairs or replacement will cost) will be sent to your insurance company.
- Next, your insurance company will send you a check to help pay for the repairs or replacement. The deductible and depreciation amount are often deducted from this check.
- Our team of experienced roofing contractors perform repair or replacement.
- After work is completed, we send an invoice to the insurance company, and the insurance company sends you the depreciation amount if it was withheld.
Note: The property owner must pay the deductible for an insurance policy; it can't be discounted or rebated by any contractor. A Colorado law explicitly outlines the procedures for insurance deductibles for property restoration. The 2012 Colorado State Senate Bill (12-038) states, "Prohibiting roofing contractors from paying, waiving, rebating, or promising to pay, waive, or rebate all or part of any insurance deductible applicable to an insurance claim made to the property owner's property and casualty insurer for payment for roofing work."
What Type of Inspection is Required?
One of PRQ's trusted contractors will inspect your roof, but your insurance company will want to send out one of their claims adjusters to document the damage as well. The insurance company will want to make sure the suggested repairs are necessary. Your insurance company will only pay for repairs or replacements that they deem necessary. To make sure your roof gets repaired as best as possible, make sure everyone involved in the process, including the claims adjuster and your contractor, documents the damages thoroughly. Your check to pay for repairs or replacements will be sent to you after the claims adjuster certifies the necessary procedures.
Why Did My Insurance Company Withhold Depreciation?
Insurance companies will sometimes withhold the depreciation amount to make sure you use the given money on the roof repairs rather than keeping most of it for yourself. You will get the depreciation money back after you prove that you paid for your roof repairs. An insurance company will require an invoice from the roofing contractors as proof.
Insurance companies refer to the value your roof would be without the damage as AV or actual value. The cost to replace the roof is called RV, or the replacement value.
How Much Will I Have to Pay Out of Pocket?
The only money coming out of your pocket should be your insurance deductible. The deductible is the money the insurance company requires you to pay before they cover the remaining costs. The deductible will be paid directly to your contractor to perform repairs. You should be aware of your deductible before any damage occurs. It is essential to read through the insurance policies before deciding to work with an insurance company. If the deductible is too high, you may want to consider switching insurance companies.
Choose a Roofing Contractor with Insurance Expertise
When choosing a roofing contractor, you want to go with a trusted company with positive and trusting client testimonials. Our work is backed with an A+ rating from the Better Business Bureau, as well as a 5-star average on Google Reviews.
Excellent Ratings & Testimonials Across All Major Review Websites (250+ Reviews)
Request a Complimentary Roofing Inspection
Now that you know everything there is to know about insurance claim assistance roofing, you need to determine what step is necessary for you right now. If there has been a recent storm in your area, you will need an expert to inspect your roof. With years of experience and many satisfied customers, we can help!
If you don’t have any current damage, we can still inspect your roof for possible weak points that remain vulnerable to future inclement weather. Making sure your roof is safe should be a top priority for homeowners and business owners. Schedule a free roof evaluation with us to make sure your roof gets the best possible treatment!