Insurance Claims
With your roofing insurance claim, you can have peace of mind because we’ll help you cut through the red tape.
How we assist you with your insurance claims.
We understand how Insurance Companies work and what they need and want for their insurance claims.
Contact Us Before Calling Your Agent
Once we determine what your damage is then we can advise you either to call your agent or not. If you have minor damage, we may be able to repair it without you having to turn in an insurance claim.
Here's What Happens Next
After you contact your insurance company they will send out an adjuster to evaluate the damage. They will determine if the roof can be repaired, or if the damage warrants an entire roof replacement.
If Settlement Is Less Than Cost Of Repairs
Reitz Roofing will contact your adjuster, on your behalf, and compare their evaluation to our suggested contract to repair or replace your roof. We will review their report and make sure we are all on the same page.
“I recently had my hail-damaged roof replaced by REITZ ROOFING. The foreman, Jim Golden, took the time to advise us on roofing materials and made sure we had the color roofing we wanted.
When it was time for the job, Reitz came with a big crew and did the job quickly and efficiently, and were real careful not to leave any mess.
I’m not sure if other roofing companies do this, but when the job was done they sent a quality control guy to make sure the job was done right.
He found one torn roof shingle and an area he thought should have more nails, in case we got a really bad wind storm and, in a few days, someone came out to do the additional work.
I didn’t price-shop, but I thought that the price they quoted was fair. In any case, it was less than the insurance company quote. I’d recommend REITZ ROOFING.”
Here’s What Makes Us Different From Other Roofing Contractors.
If your adjuster missed some of the work needed, we’ll work with them to make sure you get what you need for a good job.
By the way…
If there is a mortgage on the home, the insurance company will most likely endorse the check to you and the mortgage company.
This will require the mortgage company to sign off on the check so that you can go forward with the job. We’ll assist you in getting the endorsement so repairs can move forward.
Note: Typically, there are several forms that you’ll need to sign and have notarized for your insurance claim. We’ll help you through the paperwork process, so your roof can be repaired in a timely manner.
Still have questions or need help?
Feel free to call us at 303-466-0161 for assistance or send us an email.
Frequently Asked Questions About Insurance Claims
I expected my check to be more than it is; why is it less than what I thought?
There are usually two deductions they take from your original check. They will deduct your deductible and also depreciation.
What does it mean when the insurance company says I have depreciation and I am going to end up with less money now?
This has to do with your Replacement Value Cost (RVC) which is the current cost to replace your roof. The insurance company also takes into consideration the Actual Cost Value (ACV).
As an example, let’s say your roof is in year 10 of a 20 year life span when the damage occurs. If the cost is $10,000 RVC then the ACV would be $5,000, which will be paid to you later.
This is the depreciation and is generally paid after the work is completed.
How long before I can expect the check for the depreciation?
Law requires the insurance company to pay you the amount for depreciation only days after the final roofing invoice is submitted to the insurance company.
What is the bottom line cost to me as the insured?
You are responsible for the deductible listed in your Homeowner’s insurance policy plus any upgrades that you may request.
What if the contractors quote is more than what the insurance company is offering to pay?
Sometimes adjusters can miss things that the professionals see.
Because of our good relationship with the insurance companies in town, we can almost always work with them to help them understand what the adjuster missed… and why the work needs to be completed and done for the higher amount.
If I find a roofing contractor that will do the job for less than the price than adjuster gave us, is this money mine to keep and I can I apply it towards the deductible?
No, the deductible is paid first. If you find a cheaper contractor you will save the insurance company money, not yourself.
My funds are low, how can I get out of paying the deductible?
You cannot, legally, get out of paying your deductible. Insurance fraud happens when the homeowner and the roofing contractor get together and falsify paperwork.
Don’t do this. It’s not worth it.
Ready for a hassle-free roof?
Contact us to get started.