Filing a Roofing and Siding Insurance Claim from Storm Damage
Because we live in the Midwest, where in spring and summer months the weather can turn from beautiful to dangerous in minutes it’s important to know help is only a phone call away. Storm damage to your home’s roof and siding is usually a covered insurance claim. However, if you are not sure, have us inspect your home prior to making a claim.
We have inspected thousands of homes for leak related damages. Many that have sustained storm wind and roof related damage. We have the superior know-how and expertise to help you through the process of making an insurance claim. Because we are GAF and Certainteed certified as well as a Haag Engineer Certified Roofing Inspector there is nobody more qualified than us to look at your home after a loss. We perform roof inspections for many of the largest carriers upon request and after storms. This is why we are on many insurance company roofing referral programs. This expertise and certification will help you expedite the entire process much faster than using your local roofing contractor.
Hail related functional damage
How to ensure a smoother insurance claim process from storm damage:
1. Contact Bloomfield Construction and report that you may have wind, hail or other weather related damage to your home.
2. After receiving your call, we will inspect your roof at and let you know if you should follow up with your agent to actually file a claim. In a lot of cases if you report a claim to your agent and it is denied by your insurance company, it will still count against you and can raise your rates at time of renewal. Basically will you lose your “no claims discount” i.e. Allstate Insurance
3. If after our inspection we recommend that you actually call in and file a claim , we will advise you to contact your agent or claims center. Sometime shortly after you should receive a phone call with the name and phone number of your carriers “insurance adjuster”. Usually the adjuster will let you know a date and time that he/she would like to visit the site and walk the roof. If you like, we would be glad to meet your adjuster at the home to walk the roof and to point out areas of concern on your behalf.
4. After meeting with your insurance adjuster and agreeing to a scope of work, we will then produce a detailed estimate using the carriers industry standard software. This software will dictate the pricing and make it easier for your adjuster to approve. The scoping and estimate we produce is a free service to you as long as you have selected Bloomfield Construction to perform the insurance repairs and signed our one page work authorization.
5. At this point you will begin to choose matching building materials and colors, or you may choose new ones if you so desire a change. Your Bloomfield Construction representative will then coordinate a schedule with you to begin the process of putting your house back to its pre-loss condition. Most exterior projects can begin within two weeks, sometimes longer if your adjuster is really backed up. If emergency repairs are needed to waterproof your home (i.e tarping) we will provide that service to your and invoice your insurance company. If the emergency services are not covered by your insurance company or the amount of the minor repairs are less than your deductible you may be responsible for this service.
6. During the project you can expect our project manager to periodically check the job. At the end of the project our project manager will thoroughly inspect the completed work and pick up any remaining materials.
7. At some point during this process, your insurance company may send out a claim report and the first of two checks. If there is a mortgage on the home and if the claim is over
$10,000.00 it will probably be a three party check. Your name, your mortgage companies name, and our name. We ask that you contact or bookkeeper to arrange the handover of this check as partial payment. We have been through this process so many times with many different carriers and how to expedite this payment process much more quickly than you will.
8. Once we receive the insurance paperwork and your project has been completed, we will ask you to sign a certificate of completion. We will then forward that to your adjuster and at this time they will release the final payment amount called RCV check. Once again this check will most likely be a three party check so the entire bank process will need to be repeated.
If we can help you or someone you know please give us a call at 248-333-3987 or contact us online.