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Insurance Claim Experience

Most of our clients have roof damage that will be covered by insurance, so you can rest assured we’re experts in this area.

Our insurance claim experts will work with you and your insurance company to repair, replace or install your roof with the highest quality and efficiency in the Houston area. We can even share our tips and tricks that will ensure a smooth insurance claim process after weather-related roofing damage.

We Help You Process Your Insurance Claim.

Types of Insurance

In general, there are two types of insurance policies: Replacement Cost Value (RCV) and Actual Cash Value (ACV). Understanding your policy coverage and deductible is the first step to filing a claim.

The majority of insurance policies are RCV, but it is important you verify your policy prior to filing your claim.

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Replacement Cost Value (RCV) Full coverage; your insurance carrier provides complete coverage of the entire home.

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Actual Cost Value (ACV) The value of any part of your home in its current condition.

What’s Next?

  1. You will receive your insurance paperwork in approximately 5-10 business days.

    Tip: Ask for an electronic version of your claim, this will speed up the process

  2. Upon receiving your claim proceeds and estimate, contact your Roof Repair Squad Representative. Have a copy of the entire claim paperwork ready for your representative.
  3. Your representative will review your claim and ensure you get a fair assessment. He or she will verify that measurements and specifications were paid our as agreed during the roofing inspection and will walk you through your contractual agreement.
  4. The homeowner is then only responsible for the deductible; the insurance company will cover the remaining amount agreed upon to replace your roof.
  5. A date will be scheduled to replace your roof. Material will be delivered just before work is to be performed. Most jobs will be completed in one day (weather permitting).
  6. Final payment is due until the work is completed and you are completely satisfied.
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Understanding Your Deductible

The percentage (1% or 2%) of your deductible is based on the insured value of your home. For example, if your home’s insured value is $100,000.00; your 1% deductible will be $1,000.00 and at 2% your deductible will be $2,000.00.

The deductible will be the ONLY out of pocket expense the homeowner pays on the claim. It is important to review your policy to confirm you deductible.

Example of insurance Claim Summary on an RCV Policy:

Replacement Cost Value

$10,000.00

Less Depreciation (2nd Check released when work is completed)

($3,000.00)

Actual Cash Value

$7,000.00

Homeowner Deductible (TOTAL Out-of-Pocket Expenses)

($1,000.00)

Net Claim (1st Check you will receive)

$6,000.00

F.A.Q.

How do I File an Insurance Claim?

Step 1

Call the “800” number on your insurance policy.

Step 2

Ask for the Claims Department.

Step 3

Let them know that you would like to file a claim for wind or hail damage to your roof.

Step 4

Your Date of Loss is the day you noticed the damage, not a specific storm date.

Step 5

If asked what prompted you to file a claim, inform the insurance company that you had your roof inspected and were provided with a detailed roof report.

Step 6

Your insurance carrier will then assign you a claim number, and inform you that a field insurance adjuster will be contacting you.

Step 7

The insurance adjuster will then contact you and schedule an appointment, providing his name, his cell number, and the date and time he will be at your residence.

Step 8

Contact your Roof Repair Squad Representative and provide us the appointment information, so we can schedule to meet with the insurance adjuster on your behalf, ensuring you get a fair assessment.

What is my deductible?

Deductible

2% for a named storm (such as Hurricane Harvey) 1% for wind or hail damage

The percentage (1% or 2%) of your deductible is based on the insured value of your home. For example, if your home’s insured value is $100,000.00; your 1% deductible will be $1,000.00 and at 2% your deductible will be $2,000.00.

The deductible will be the ONLY out of pocket expense the homeowner pays on the claim. These deductible rates are in most cases ___, policies carry the same deductible. It is important to review your policy to confirm you deductible.

Will my premium rates be raised if I file a claim?

No. All storm damage is recognized by insurance companies as Acts of God, and are uncontrollable.

Premium rates are raised collectively by region, not on an individual basis.

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