insurance-claim-process
General Insurance Claim Process
The Insurance Claim Process
Here is how insurance claims work, step by step.
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Asap Roof Repair evaluates your home for any harm that may have been caused by storms to your roof and other components of the property, like siding, windows, and fencing.
No Damage
If we determine there is no damage to your property, we will inform you, and there will be no cost for this assessment.
Damage Found
If we discover any damage, we suggest that you get in touch with your insurance provider and submit an insurance claim.
File a Claim
You contact your insurance company and file an insurance claim for storm damage to your property.
Insurance Adjuster Appointment
The insurance adjuster will contact you to arrange a time to inspect the property. Make sure to get the adjuster’s name and contact details. Immediately afterwards, call your ASAP Roofing representative to inform them of the appointment. Should there be a scheduling conflict, the adjuster must be called back to arrange an alternate date and time. It is beneficial if the homeowner is present during the inspection as it helps the insurance claim process. Asap Roof Repair’s participation in the inspection can prevent you from getting a settlement that does not cover all costs, or even worse, being denied.
Damage Estimate (Insurance Adjuster)
If the adjuster agrees that your property was damaged due to a storm, they will assess the damage and create an estimate for the necessary repairs. This estimate will be discussed with you, and you will receive payment for the repairs or replacements minus the depreciation and deductible. The insurance company’s payment amount, including the deductible, will be accepted and only the highest quality services are guaranteed. When working with Asap Roof Repair, you will not have to pay any additional expenses other than your insurance deductible.
Contract for Work
Once the inspection is finished, if you have received an estimate, we will ask you to give us a copy of it. We will then make an agreement for the services listed in the insurance adjuster’s quote and any extra that may be required if the insurance adjuster has made an error.
Contract Sent to Insurance Company
Asap Roof Repair will go over the scope of work to guarantee that all damage has been taken into consideration and calculated correctly. We will fax the signed contract plus any extra requests to the insurance firm to begin the procedure for them to provide you with the RCV (replacement cost value) or the final payment.
The Final Check The Process
The Final Check
The mortgage company’s name is likely to be on the check with yours, and there will be a few documents that need to be filled out and notarized. You must send the check to the mortgage company with the forms for authorization, and it is best to do so quickly by sending it ‘overnight’ to expedite the process.