Roof Insurance Claim FAQs
When it comes to residential or commercial roof claims, the process can be overwhelming. At Apex Construction and Roofing, making this a seamless experience is our top priority. Here are a few commonly asked questions you may need to know about your roof insurance claim:
What types of roof damage will my insurance company cover?
There are a variety of tell-tale signs that your roof damage could qualify for replacement or repair. After a big storm, several types of damage can occur: wind damage, hail damage, and water damage or leaking. Call Apex Construction and Roofing and we will perform a free, full-scale roof inspection to determine the extent of damage and begin to file your claim.
What to expect during a storm damage assessment?
During the initial roof assessment, our skilled roofers will perform a visual inspection where we will photograph each area of damage on your roof. This includes lifted shingles or damaged shingle granules due to hail, or missing or cracked shingles. Once we survey your roof, we will report our findings directly to your insurance company and schedule an appointment to meet with your insurance adjuster.
Why is it important to inspect my roof after storm damage?
If you’ve experienced severe wind, water, or hail damage to your roof, it’s important to call Apex Construction and Roofing to ensure your roof is assessed immediately. If you ignore what may be significant damage, your roof can get worse over time and cost more for your insurance company to fix. Most insurance companies only give you a short amount of time to file a claim, so it’s important to call Apex Construction and Roofing as soon as you notice damage.
What happens after the initial roof inspection?
Once our quality roofing contractors have completed your free roof inspection, Apex Construction and Roofing will report our findings directly to your insurance company. Your insurance company will contact you to schedule an appointment with an insurance agent. Our roofing contractor will visit your home during the second inspection to ensure your roof is thoroughly inspected and all damages are sited. Apex Construction and Roofing will ensure that your adjuster is fair and the report contains all damage.
How much of my roof replacement will my insurance cover?
Once you have everything properly documented on all sides, it’s time to receive your insurance claim and have your roof replaced. Insurance companies evaluate coverage through replacement cost value (RCV) or actual cash value (ACV). RCV is the most common type of coverage. While your insurance company will cover the full roof repair, customers are responsible for only the deductible. In states with high wind and hail storms like South Louisiana, Mississippi, and Florida, ACV may be applied. Your insurance company then factors in the age of your roof and covers the full roof replacement minus the deductible and depreciation.
Are there any damages my insurance provider won’t cover?
It is not common for insurance companies to deny a roof claim. It is important to note that while most insurance companies will cover full damages, several factors can prevent your insurance company from fulfilling your roof claim.
- Wear and tear on an older roof
- Wind and hail exclusions on certain policies
- Damage caused over time due to negligence
At Apex Construction and Roofing, we want to ensure that you receive full coverage of your roof. In the event that your roof claim is rejected, we will request a second inspection from your insurance company.