Chandler Roofing and Restoration offers complete and comprehensive help from start to finish in working with you and your insurance company to help you quickly and easily recover the full amount due to you and complete all repairs.
You can rest easy knowing every contact, fax, e-mail and submitted invoice is recorded in our database. This allows us to track and document every step of the claims process ensuring you, the property owner, the best possible service and settlement. In addition to communicating with the insurance company, we keep you informed during every step of the process from start to finish. We believe good communication leads to a satisfied client and a satisfied client is our best client.
The Insurance Claims Process
1. Property Inspection
A thorough inspection of the property is done to verify legitimate damage caused by hail, wind or storms. Identify and stop the water source. Identify the water type. Survey the extent of the water damage. Move or block furniture and other valuables from further damage.
1A. Immediate Water or Fire Remediation
Highly trained technicians will use special vacuums and state of the art equipment to quickly and effectively remove ALL water from your residence. We use FLIR Infrared Thermal Cameras to detect hidden water. Although all water has been extracted, moisture and humidity can remain. We then use advanced air movers and dehumidifiers to circulate the air and manipulate the temperature and humidity to effectively dry the affected areas and items. We will also clean your furniture, upholstery, clothing, and other restorable personal items, damaged by the water. Flooding and water damage often require odor removal, deodorization and sanitizing treatments, since wet materials have an unpleasant odor and can leave microbial and bacterial contaminants.
2. Filing the Claim
We walk you through two simple steps on exactly how to file your claim.
3. Meet Adjuster on the Property
Since we’ve already inspected the property ourselves, we stand willing and ready to meet the insurance adjuster on the property to review all the damage. We serve as your representative to ensure that all damage is identified and included in the claim.
Should you choose to do so, you are welcome to handle your claim by yourself… However most property owners soon realize they do not have the time or experience to do this efficiently and effectively. Ask yourself, would you go to court without a lawyer?
4. Communication with the Insurance Company
Throughout the entire claims process, we stay in constant communication with your insurance company.
We submit all of the documents to the Insurance Company for you, and handle all of the communication from requesting a claim number to submitting the final certified invoice.
All of this service, is provided to you for FREE!!
5. Perform the Repairs
We will obtain all necessary permits, schedule all material and labor in performing the repairs to the property that you have agreed for us to do according to the approved insurance estimate.
6. Completion of Repairs
Upon completion we will meet with you to confirm that the completed project meets your satisfaction as well as all local codes and insurance requirements.
7. Submit certified invoice
During the course of the work, we may find and discuss some hidden site conditions, such as rotten decking. When we find or run across these situations, we will submit an itemized supplement with documentation to the insurance company for you, so you will be paid for any and all extra costs.
After the completion of all the repairs and you are 100% satisfied, we will submit a certified invoice to the insurance company in order for you to receive your full settlement.
Expert Help: Understanding Your Insurance Claim, Deductible & Depreciation
3 Quick Facts About Insurance Claims
- The paperwork you receive from your insurance company only represents an estimate for roofing or restoration repairs – it is not a final settlement.
- The Texas Department of Insurance recommends that your roofing or restoration contractor be at your home when your insurance adjuster arrives to inspect your property for damage. While most adjusters are very honest and good at what they do, they are busy and may inadvertently miss something or overlook an important aspect of your claim.
- Your insurance company cannot cancel you or raise your rates for weather related claims. However, if you’re involved in a catastrophe, your insurance company may raise rates on everyone impacted in order to stay in business.
If you choose a roofing or restoration company that charges less than “fair market price”, you will probably get inferior materials, less than quality workmanship and/or a lack of quality service after the sale.
The difference between “fair market price” and your lowest bid cannot be applied toward your deductible. Your insurance company keeps the savings.
The Insurance Claim Check
The first check, minus your deductible and depreciation, is usually only enough for your contractor to buy materials and get your work started. Many times the first check will be co-endorsed to you and your mortgage company.
If your check is co-endorsed, you’ll need to get a signature from your mortgage company before starting work. If your check is not co-endorsed to your mortgage company, you can simply endorse the check and give it to your roofing contractor or deposit it into your local bank. Your bank may or may not have a policy of holding insurance funds for 7-10 business days.
How Does My Depreciation Work?
Your insurance company may also hold back depreciation. Depreciation is the amount of your settlement that is not paid unless and/or until you need it to finish fixing your home.
Most policies cover full replacement cost minus your deductible. If you’re not sure, ask your roofing contractor or insurance adjuster.
The depreciation check is usually only released after you or your contractor submits a final invoice.
If you do not use all of your depreciation to get your home fixed, your insurance company will subtract your deductible from the final lower-priced invoice rather than the total claim originally allowed.
In other words, your insurance company will keep any depreciation monies you didn’t spend while getting your home fixed.
After the final invoice is submitted, your insurance company and sometimes your mortgage company, may want to do a final inspection to be sure that all of the work billed has been completed in a workmanship like manner with quality materials before releasing the depreciation check.
3 Quick Depreciation Tips
- Depreciation is the amount of money withheld from you until your work is completed. By withholding depreciation, your insurance company ensures that they only pay the balance after you pay your deductible.
- Your insurance company will match, not exceed, your roofing contractor’s “fair market value” bid, less your deductible.
- If you do not spend all of the money allowed, your insurance company keeps the difference and pays the balance.
What About Supplemental Claims?
In a storm environment, with rising material and labor costs, it may also be necessary to file for a supplemental claim to cover additional and/or rising costs. When a supplemental claim is filed and approved, your insurance company will agree to issue a third check beyond the original claim to help your contractor cover these additional costs. This check will be made out to the homeowner and may need the signature of your mortgage company as well.
My Roof Deductible
Your roof deductible is the portion of your claim that is not covered by your insurance company. In some cases, the deductible for your roof may be different from the deductible for the rest of your home. Check your policy or call your agent to find out.
While the deductible is the homeowners responsibility, many times Chandler Roofing and Restoration can save your deductible helping you to restore your property at no out of pocket cost to you the homeowner.
What If I Get A Cheaper Estimate?
Getting a cheaper estimate won’t put money in your pocket because the insurance company won’t release all of your money until the job is complete and they receive a final invoice from your roofing contractor.
Submitting a false invoice is insurance fraud which is a felony and can land you in major trouble.
When your insurance company agrees to pay your claim, they will normally cut a first, partial-payment check minus your deductible. Sometimes this check is cut while your adjuster is at your home. Other times, it will be mailed to you within a week to ten days – after they complete their required paperwork.
Your insurance company may ask you to get three estimates. Choosing the lowest price only gets you a cheaper roof. Choosing a contractor is more than choosing the price. You need to have confidence in and good communication with your contractor.
At Chandler Roofing and Restoration, last but certainly not least is our commitment to customer service. By staying away from the “hard sell” philosophy, we meet our customer’s needs by simply listening to the customer, being solution oriented and doing the job right the first time. Customer satisfaction is not just A priority… it’s the ONLY priority.