A Step-By-Step Expectation Guide

The following is a typical step-by-step guide for those filing a storm-related insurance claim. Each situation may vary slightly.

1. Call either an Insurance Agent (and have them refer a roofer they trust) or call a trustworthy roofing contractor directly for roof storm damage repair and roof insurance claims help.
2. Based on the recommendation and photo report provided, decide if filing a claim is the best option – continue to step 3 if it is.
3. File a claim with the carrier – this can be done via telephone or online portal.
4. An insurance representative will reach back out with the date and time that an adjuster will arrive.
5. Tell the roofing contractor the date and time. They should meet the adjuster at the property to compare findings and ensure that nothing is missed.
6. The adjuster’s inspection takes place. This process usually takes about 45 mins to an hour.
7. Receive your first check (ACV) and adjuster’s report, sometimes referred to as a “claim summary” or “insurance paperwork”.
8. Get the check endorsed by the mortgage company (if applicable).
9. Deposit check – note that there may be a 7–10-day hold.
10. Review the adjuster’s report with the contractor.
11. Come to an agreement on the work to be performed, sign a contract, and schedule your repair services.
12. The contractor applies for a city permit for work to be performed and will ask the insurance company for reimbursement.
13. The deductible and first check are due by the end of the day after roof replacement – this may be one combined check.
14. If the contractor notices that the insurance company missed anything, they may supplement, but only for items they perform.
15. The contractor will send a Completion Certificate to the insurance company.
16. The insurance company will send the final check but note that it may be divided into two checks – one for final payment and one for supplements.
17. Once received, the customer will get a check endorsed from the mortgage company if applicable)
18. The customer deposits the check into their personal account – this may take 7-10 business days.
19. The customer pays the contractor the outstanding balance.
20. The contractor sends warranty information.
21. If the customer chooses us, they immediately become a part of the OneSource Roofing and Restoration family!