Filing your Claim
The first step is to locate your homeowner’s insurance policy. For future reference, this would be a good time to locate your deductible as it will come up later in the claims process. During catastrophe times it may take time to call in a claim as all the insurance carriers are dealing with high volumes of call. It MAY be quicker to file online. You can click the links below and follow instructions online for filing a claim. Most insurance companies have a specific department, not your agent’s office but a CATASTROPHE Office. This information also can be found quickly online via the below links:
Travelers - https://www.travelers.com/claim/index.aspx
Progressive - http://www.progressive.com/claims/The Hartford-- http://hartfordauto.thehartford.com/Online-Insurance-Service/Claims-Service/Home-Insurance-Claims/
Once you file your claim, if you have a mortgage on the home this is the appropriate time to contact the mortgage company for a claim packet. The claim packet which includes; Statement of Completion Form, Contractor W-9, & Lien Waver Form. This speeds up the process ensuring your project will not experience delays.
Once a claim is filed the insurance carrier will assign an adjuster who will visit the home to confirm damage severity. RENOVATION ROOFING will furnish Field Supervisors/Certified Inspectors with the ability to help negotiate the proper claim settlement. We are experts at completing your roofing project and will be sure the settlement includes everything you need to restore your home to the same condition as prior to the storm. RENOVATION ROOFING provides your insurance carrier’s field adjuster with a full Aerial Analysis from www.Pictometry.com, where we are one of the top subscribers, estimated with the most advanced technology available. This ensures there are no discrepancies on size of the project or estimating materials, making the process clear and simple.
Once a settlement is agreed upon, most insurance carriers send the claim summary within 7-10 days via email or USPS. This settlement is the guideline of specifications for the contractor to follow. The insurance carriers use predetermined pricing using software’s such as Xactimate. The pricing will be broken down by the elevations of the home.