After The Storm
The Insurance Process
Mitigate the Damage
It is your
responsibility to mitigate the damage to your home and property.
For example, if your roof is leaking, you should move furniture
and personal items to protect them from water damage. If
possible, position a trashcan or other receptacle to catch the
leaking water. Raise wet carpets and dry the underside with a
fan. Tape plastic over broken windows. Call RoofPro Exteriors to
make temporary repairs to your roof to prevent additional
your Insurance Company
If you are
sure that your home or property has sustained damage, call your
homeowner’s insurance provider immediately and
File a Claim. If
you’re not sure your home has sustained damage, call us. RoofPro
Exteriors representatives are experienced in inspecting for and
evaluating weather-related damage.
Remember: It is virtually impossible to see hail damage to
roofing materials from the ground, and even from on the roof,
such evaluation takes a trained eye.
receiving your claim, your insurance company will forward it to
an insurance “Adjustor”. Typically, larger insurance companies
will already have established a “Catastrophe Office” and brought
in as many adjustors as necessary to process the flood of
claims. Smaller insurance companies usually will hire an
independent adjustment firm to handle the claims.
RoofPro Exteriors should be present when the adjustor arrives at
your home. This will help expedite the settlement process by
allowing our professional staff and your adjustor to arrive at
an agreement on the extent of damage, the scope of the repairs
and the price to affect those repairs.
Remember: Your adjustor represents your insurance company. Don’t
you think you should have someone present who is working for
Two Check Process
Most insurance companies will pay your claim settlement in two
checks. The first check is to be used to get the repairs
started. After the repairs have been completed, the insurance
company will send you the balance of the money.
Remember: If you get the repairs
done for less than the adjustor has agreed to pay, the insurance
company is only obligated to pay the lesser amount. In this
case, shopping around for a cheaper estimate saves your
insurance company money—not you!
If you’re lucky enough not to have a mortgage, congratulations,
and please skip this section. Your home is the collateral on
your home loan. The storm damaged it and lessoned the value of
the mortgage company’s collateral. Therefore, your mortgage
company has a vested interest in seeing that the repairs are
Depending on the size of your settlement, your insurance company
may list your mortgage company as an additional payee on the
settlement check. In that case, your
mortgage company must sign the check prior to you
depositing it in your bank.
Also depending on the size of your settlement and the business
practices of your mortgage company, they may require you to
endorse the settlement check prior to sending it to them. In
that case, they may place the money in an escrow account and
dish it out to you in increments as the repairs are made. As
an experienced insurance restoration company, RoofPro Exteriors
is accustomed to working with mortgage companies and will help
you step by step through this paperwork intensive process.
With the exception of any upgrades you choose to make,
your repairs should never cost you out
of pocket more than the amount of your insurance “deductible”.
If we cannot make the repairs for the amount of your
settlement, RoofPro Exteriors will help you work with your
insurance company/adjustor to increase the amount of the
The key to restoring your home to the condition it was in prior
to the storm (or better) with the least number of headaches is
to work with a professional who has
specific experience in dealing with insurance restoration,
insurance claims and mortgage companies. RoofPro
Exteriors has that experience and is ready to work for you!