Denver Roofing Insurance Claims
The Typical Roof Replacement Process:
Waiting to replace your roof may cause serious problems:
- Reduction of the life of your roofing.
- Bruised shingles may turn into holes which then become leaks.
- Unsightly mold growing in cracks that begin to cause leaks.
- Ultimately, this could leave you with costly repairs and cost you more time and money.
- Use the right contractor!
- As we all know, there are a lot of shady, smooth-talking storm chasers knocking on doors and waiting to pounce at the first sign of hail…
- Whether we do your work or someone else, be sure to check all the reviews online, verify that the company is insured and legitimate, and always check references.
Let Craftwork Commercial Roofing guide you through the roof replacement process with your insurance company:
Step 1 – Determine damage for a legit roof replacement claim
Most major insurance carriers require a specific number of damaged spots or hits per square. Craftwork Commercial Roofing will determine if your roof has experienced hail damage and if your roof has the minimum required by most insurance carriers to qualify for a claim. To call in a claim, you can either call your local agent and ask for help or call your claims department directly.
You will be asked questions like:
- “What kind of damage do you have?”
- “When did the damage happen?”
- If you don’t know the answers to the questions, just ask us..
Step 2 – Scheduling with the Adjuster
The insurance company’s claims adjuster will call to set up the inspection of your roof. You don’t need to be there for this, but we should absolutely be there to point out damage to the adjuster. We are also experts in negotiating with the insurance companies to be sure that you get paid what is due!
Step 3 – Receiving the Estimate Letter and Check
If the adjuster believes that you have damage on your roof, he or she will write an estimate for the scope of the work to be done. The estimate letter shows, in a line-by-line detail, everything that the adjuster is putting in the claim. In addition to the roof, it may include gutters, siding, furnace vents, painting, windows/screens, and even fence repair or replacement. Often times, the first check will be printed on the spot.
Here’s the Confusing Part for most Homeowners:
The adjuster will determine a value to replace your roof. They will also determine a value of “recoverable depreciation” that will come back to you after the work is complete. You will receive a check for the amount of the estimate, MINUS the recoverable depreciation, and MINUS your deductible. Again, this is what confuses so many people, because the first check will seem unusually small for a re-roof project! In the end though, the only out of pocket expense will be your insurance deductible.
Step 4– Getting the roof replaced
Once you have your estimate letter and first check, Craftwork Commercial Roofing can discuss and determine color choices, timing, and pull a permit to get the job started. If we also agree to perform siding repair, window replacement, paint, gutters, etc.. We will take care of those repairs around the same time.
Step 5 – Once the Work Is Done
Once Craftwork Commercial Roofing has completed the work, we will send a final invoice which you will forward to the insurance company stating that the work is complete. The insurance company will then release the depreciation to you and you’ll receive your final check.
Need Advice With Your Denver Area Roofing or Hail Damage Claim?
Then it is time to call us. Get it right the first time & contact Craftwork Commercial Roofing. We’ve been a Colorado Favorite for over 20 years! We are a family business that’s locally owned and operated. We will be happy to provide answers to your questions and address your concerns. We have a team of professionals in roofing insurance claims, and we can work with you to make the insurance procedure easy and stress-free.