Learning how insurance claims work will help you land more roofing jobs and grow your roofing company. Understanding the ins and outs of insurance will reduce unnecessary delays and get you paid much faster. Homeowners’ insurance can be difficult to navigate but understanding how a roofing claim works isn’t nearly as complicated. In this blog we will give you a better understanding of how you can better work with insurance companies, and get your customers to get the most for their roof replacements.
Once a customer recognizes that they have had damage done to their roof by a storm it is important that they file a claim as soon as possible. I have had customers call us at the office looking for an estimate before even calling their insurance company and I always advise them to file the claim first. The homeowner will schedule a time for an adjuster to assess the damage by inspecting the roof and will advise either a full replacement or repair.
If the homeowner has called your local roofing company to come out for an estimate you can also request to be there at the same time as the adjuster. This can help get the homeowner more from their insurance by answering questions and making sure they don’t miss damage. Once the adjuster has completed the roof inspection they will draw up an assessment of the damage and send it to the insurance company.
The next step would be to review the claim, this is also known as the damage assessment and is reviewed by the insurance company. Your insurance company will determine how much money you will receive and if they think your roof is in need of a repair or full replacement. Having your local roofing contractor present will help steer the adjuster in the appropriate direction needed to get you the most out of your claim. This process can take a few weeks so it is best to get your claim in as soon as possible. As your insurance company is reviewing your claim they may request more information from you in order to provide you with the best estimate. It is important to respond promptly so the claim can move along quickly. If you took pictures yourself or have other types of evidence then be prepared to submit that as well.
Once your claim has been reviewed the next step would be to process and finalize it. At this stage in the process your insurance company will now mail you a check to cover the damages that were assessed for your roof damage. The check is not mailed to the roofing company, so it is important to let your chosen local roofing company know when you receive the funds so they can schedule your job. Most roofing companies require a deposit of at least half down to get you on their build schedule. This is so they have the funds to order your roofing materials in order to start your roof replacement.
In order to make the most out of your claim process there are a few things you can do to ensure the best possible outcome. Having good communication with the insurance company and claims department will give a better understanding of the insurance related terms and concepts. Answering questions that come up are much easier when you as a business owner understand how the whole process works and is progressing. Once you have a good grasp on terms and conditions used by insurance adjusters reading and filling out paperwork correctly will come naturally. This will also help ensure that no major errors are taking place on your end.
Another key role you play as a preferred roofing contractor is advocating for the homeowner. Most homeowners don’t deal with their insurance company often so it is easy to feel in over their head. Especially when discrepancies between the insurance company and you the preferred roofing contractor arise. If you have recommended a full roof replacement but the insurance adjuster is only quoting damage for repairs, this can be very confusing for the homeowner. Guidance is an important part of your job when working with your customers and their insurance companies, they will look to you as someone with experience in navigating through their claim.
You would have already provided the insurance company with a copy of the estimate that your roofing company had come up with and you want to be sure that it is as accurate as possible so the homeowner can achieve the best outcome. This will not only help them in getting the best result for their roofing project but also for you as their preferred roofing contractor as growing your businesses reputation by providing excellent customer service.
Another piece of advice is to keep good records as a preferred roofing contractor and also for the homeowner. The more evidence you have for the roofing claim the better and keeping a good record of all paperwork will reduce delays and keep the process running smoothly. Also it is important that these records are easily accessible by everyone on your team so that a response can be given to the insurance company promptly.