Sometimes, weather-related events or other accidents lead to roof damage. In these cases, insurance companies get involved and decide whether to cover the damage for the customer.
If a customer entrusts you with their insurance roof job, you get the big task of assessing their potential roof damage and fixing it. When a homeowner needs help with an insurance roof project, they want to go to the most trusted contractor for help. That’s why you need to understand the roof insurance claims process and learn how roofing companies work with insurance companies.
Here’s a step-by-step walkthrough of the roof insurance claims process.
What Are Roof Insurance Claims?
Before diving into the steps, it’s essential to understand what a roof insurance claim entails. Essentially, it’s a request made by the policyholder to their insurance company for coverage or compensation for roof damage.
Understanding the nuances of these claims can help roofing contractors manage client expectations and navigate the process more efficiently. Whether you’re a seasoned roofer or new to the field, mastering this process can save time and money and reduce stress.
Roof Insurance Claims Process
While roofing insurance claims likely won’t happen every day, you must be prepared for when the situation arises. Here are the six major steps in the roofing insurance claims process.
1. Contractor Roof Damage Inspection
The process for roofing contractors usually starts with a phone call from a customer needing an inspection. Your job is to inspect the damaged roof, list exactly what is damaged, and offer your expert opinion on what needs repairs.
Take detailed notes and high-quality photographs to document all damage; you’ll need them later to explain your findings to the insurance adjuster. Roofing software can make storing and organizing detailed notes and records about a job easier.
If the customer’s claim is approved, you’ll want to convince the customer that you’re the roofer for the job.
2. Review the Insurance Policy
Review the homeowner’s insurance policy to understand the coverage details, deductibles, and any exclusions. This information will help determine what damages are covered and how to approach the claim.
3. Insurance Adjuster Inspection
It’s important to note that the insurance adjuster is king in this situation. It’s up to them to determine if there’s damage and if the insurance will cover it. It doesn’t matter if an experienced roofer says there’s damage with complete certainty—if the insurance adjuster disagrees, that’s the final decision.
During the insurance adjuster inspection, you should be on-site to answer any questions and provide additional insight into your findings. This meeting is your chance to advocate for your customer and explain your assessment.
After this inspection, the insurance adjuster will send their report to the insurance company.
4. Claim Damage Assessment
Once the insurance company gets the report, they then evaluate the damage assessment claim to determine what to give the customer for the repair project.
This process can take several weeks, and the insurance company may reach out to your roofing company for more context. Communication throughout this process is key.
5. Estimate Issuance
After the claim is accepted, the insurance company will determine the cost of the job according to the policy. Once that’s determined, the company will send the customer the exact amount for the repairs.
If the customer wants more work done outside of the approved repair, insurance will not cover it. However, you can still work with the homeowner for further repairs by providing them with an estimate.
6. Negotiation & Approval
Once the adjuster’s report is complete, there may be a need for negotiation. Sometimes, insurance companies might understate the damage or deny certain claims. Provide additional evidence if necessary and negotiate to ensure a fair settlement.
7. Repair Work & Documentation
Now that everything’s sorted out with the insurance company, the homeowner can accept your estimate. Go ahead and start on the repair job.
Keep detailed records of all work done and expenses incurred. After completing the repairs, provide a final report to the insurance company to ensure all work is documented and covered.
Common Roof Insurance Claim Challenges and Solutions
- Denied Claims: If the insurance company denies a claim, review the denial letter carefully. You can often overturn a denial with additional documentation or clarification.
- Delays: Delays can be frustrating. To expedite the process, stay in regular contact with the insurance company and follow up diligently.
Tips for Roofing Contractors Handling Insurance Claims
- Stay Informed: Keep up-to-date with the latest insurance policies and industry standards.
- Build Relationships: Establish good relationships with insurance adjusters and agents.
- Educate Clients: Help your clients understand their policies and the claim process to manage their expectations.
Successfully Navigate the Roof Insurance Claims Process
As you go through this process, remind customers you have no say in insurance matters. Customers must understand that the scope of your job is limited to damage assessment and cost estimates. You should direct any coverage questions to the insurance adjuster.
By following this comprehensive guide, you can confidently navigate the complexities of insurance claims, ensuring a smoother experience for both you and your clients.
