The sudden severe weather events we experience in South Central can wreak havoc on your roof. It’s enough of a hassle to have strong winds or hail cause damage to your roof. In such cases, legitimate and worrisome questions will arise. Will there be more damage before you can get roof repairs or replacement? Are your belongings going to be affected? Will roof leaks cause structural issues? Then, add the headache of dealing with your insurance company to file a claim for roof damage, and you’ve got quite a burden on your shoulders.
At Titan Roofing, we understand that filing a homeowner’s insurance claim can be overwhelming. That’s why we believe you need to know as much about the process as possible to make things less intimidating. However, you’ll also be glad to know that we will take on most of the work ourselves as part of our roofing services for you.
Choosing the Titan Roofing Pros to Work with You
Not every roofing contractor has the knowledge and experience to navigate the complexities of filing a homeowner’s insurance claim. That’s not the case with Titan Roofing. Following a storm that has impacted many homeowners, you may have fly-by-night roofing contractors showing up at your door. An established roofing company doesn’t have to do this. That’s because they have plenty of work based on their reputation, just like Titan Roofing.
Although Titan has plenty of satisfied customers, this doesn’t mean we don’t have room for more. We will promptly arrive at your property for a free and thorough assessment of damages before offering our recommendations. We can also make great suggestions for local electricians, plumbers, and other contractors for any damage not related to roofing.
And most important of all, we will schedule a meeting with your insurance adjuster onsite to begin the claims process. From this point on, we will work with them directly to get you the coverage you’re entitled to. We know how to get the best possible outcome following a severe weather event, and we don’t take this responsibility lightly. We value close partnerships with our clients in this way.
Time Is of the Essence
It’s crucial to move quickly in scheduling a roof inspection and beginning the filing process. This is especially true if a storm has impacted a wide geographical region. Adjusters will be extremely busy, and you want to enter the queue as fast as possible. The sooner you do this, the sooner you get your check, and have repairs or replacement underway before your current roofing issues turn into bigger problems.
Identifying the Type of Policy
There are two main types of homeowner’s insurance policies:
- Actual Cash Value (ACV): This is the least common type of policy for homeowners. It is also the least expensive because it comes with higher depreciation and reduced coverage. Due to this, policyholders usually incur higher out-of-pocket costs.
- Replacement Cost Value (RCV): An RCV policy is a little more expensive, but policyholders benefit from full replacement coverage. Once you’ve paid the deductible, your insurance company will step in for the rest.
Overview of the Filing Process
Here is a breakdown of the steps involved in a homeowner’s insurance claim for roofing damages:
Professional Roof Inspection
This initial step is important because we will assess the damage with a trained eye to make pointing out inaccuracies easy. We won’t allow a lack of knowledge on the adjuster’s part to deny you of your entitlement to full compensation. This step will allow us to advocate for you effectively when meeting with your insurance adjuster.
Initial Estimate
Next, a Titan Roofing professional will meet with your adjuster on your property to ensure that all damages are covered and recorded. We will also be able to inform them of local building codes that may affect how repairs are required to be done. This is a crucial meeting because many adjusters won’t be from around our area and may not be knowledgeable of updates to these codes. Following this meeting, your adjuster will come up with an estimate per your policy type. Titan Roofing will make sure this estimate matches the necessary repairs or replacement to restore your roof to its original condition.
Completion of Supplement Process and Check
In this stage of the process, we will examine your damage estimate to ensure that all the project specifications are accurate and accounted for. We understand the importance of this step in solidifying that there are no inaccuracies and that your repairs or replacement will be fully covered. Once we’ve determined this and made you aware of the outcome, we will contact your insurance company to issue a check to cover everything.
Check to Mortgage Company
If you have a mortgage lender who handles paying your insurance company with your mortgage payment, you will need to send them the check to be endorsed. It’s important to take care of this step as quickly as possible to prevent the mortgage company from delaying the overall process.
Repairs or Replacement
At this point, we can begin repairing your roof or preparing it for roof replacement. Prior to ordering materials, we will consult with you to get a clear idea of your expectations based on the payment from your insurance company. If you need a new roof, this is the time for us to help you decide which roofing material will best match the style of your home, meet your specific needs, and fall within the parameters of your payout. During this step, we will not try to upsell you any service you don’t need.
Closing Project and Warranty Paperwork
Once we’ve completed your project, we will provide you with our 10-year No Leak Guarantee to seal the deal. We proudly back this warranty because we believe in our team’s expertise and accountability for quality work.
Schedule Your Free Titan Roofing Inspection
We hope we’ve given you a good idea about your upcoming claims process. To schedule a free roofing inspection, use our online Contact Form. We will do everything in our power to ensure you get the fairest compensation.