Adjuster photographing for a roof claim

The Roof Insurance Claim Process

March 18, 2020

Having a wind or hail storm roll through town can be a little nerve-racking to say the least. Every homeowner should consider having their roof inspected by a qualified roofer, regardless of what damage is “not seen” after the storm. Because, if damage is discovered by our team, you’ll want to file a claim with your insurance company. Call us for help in determining your next move (580) 324-3639

Insurance Claim Assistance

Let us provide you with claim assistance. The process can be a little daunting for the average policy holder. There are common steps taken as you move through the process.

Your local roofing contractor is qualified to help you through the process of filing a claim. In fact, any professional roofer worth his weight, is no stranger to working with insurance adjusters. For many years we have worked with adjusters to settle claims with and for our clients. We’ll help you understand the process as we go along and make sure that you get a settlement you deserve.

Filing an Insurance Claim – Steps To Consider:

    1. First and foremost, you’ll need to call a qualified and professional roofing contractor.  If you’re certain that you have damage to your roof, he may need to come to your home or business immediately to install emergency tarps, in an effort to prevent water damage to the interior of your home (loss mitigation).
    2. Tell the contractor that you’d like to have an inspection, just to be sure there is no wind or hail damage to your roof. Let he or she know that you plan to contact your insurance agent asap. (These first two steps are crucial in moving forward). Your property needs to be protected, and the wheels should begin turning toward receiving payment for damages to your roof—the sooner, the better. We offer roof insurance claim assistance, because we’re in this with you, and we’ve learned what works best to expedite the process.
    3. Step three is to call your insurance agent or adjuster at the number provided on your policy in order to begin the insurance claim process. If this has not been a widespread storm, and you’re in a rural area, explain to your agent that your area was definitely in the path of the storm. Your property is likely affected… roofs and fences are on the frontline. Weather reports will be available for confirmation of the storm path, but it’s still a good idea to let them know. Your agent or adjuster should then offer to set up an appointment to meet with you and inspect for damage. Most insurance carriers are required to meet at your property within a set timeframe, once you report the incident. This timeframe is usually within 24-48 hours after the storm has passed. Typically, the entire process to completion is around 10 days.
    4. Communicate with your roofing contractor and adjuster to be sure that they will both be inspecting your property together—as this will alleviate any questions or disagreements as to the extent of water, hail or wind damage. (It never hurts to have an extra set of eyes during an inspection).
    5. In a few days, the in-house adjuster from your insurance company will call, or write you to discuss the estimate in detail. During this conversation, they will explain how your deductible works (if applicable) and when you should expect to receive payment for damages (indemnity). It’s a good idea to make sure your roofer has your adjuster’s contact information. Go a step further, and ask this adjuster to email the estimate over to your roofer. He or she (roofer), will need to see the estimate to make sure things are squared away properly.
    6. Once you receive the itemized estimate from your insurance company, call your roofing contractor and let him know that you’re ready to meet. At this second appointment, you’ll go over the exact details of the roof insurance claim process, and details of the repairs. He will let you know if you’re receiving what is owed to you.
    7. Meet with your roofer and, if it’s determined you need a new roof, pick out your new shingle color! Your contractor will go over the material options, and should be able to give you an idea of how long to expect the job to take. This is also a great time to ask your roofer questions about the upcoming installation.




An Enid Roofer — Working For You

Working closely with your roofing contractor makes the entire process very simple. Claims Assistance should be offered by every roofer in Enid. And, if we might offer one last suggestion, please be sure to visit The Oklahoma Construction Industries Board to be sure you know who you’re working with. All of our contractors are legally authorized to perform work in Oklahoma.

roof insurance claim assistance



For more information: Call Restoration Roofing at (580) 324-3639 or visit our roofer contact page. We’re here to help.