Read: Working with Canopy Construction Makes Claims Process Easier (part 1)
By James Trey Gibson
Partner, Canopy Construction
The process of filing a claim for a new roof involves a sometimes complicated back-and-forth between the homeowner and the insurance company. At Canopy Construction, we try to make this process easier for the homeowner by working with the insurance company as much as possible.
If the adjuster approves the claim, the homeowner receives a check for an estimated 50 percent of the claim, which is made out to the homeowner alone if he or she owns the home and to both the homeowner and the lender if there is a mortgage on the property. Most reputable roofing companies undertake the job for the amount of the full claim plus the deductible. Avoid companies that suggest you might be able to get back some of the money from the insurance claim; if the transaction costs less than the insurance company believes it should, the job is probably not up to par. Moreover, this type of kickback constitutes insurance fraud.
After receiving the first check, we deliver materials and, depending on schedule, may even start the job. At this time, the homeowner makes the first payment, usually in the same amount as the initial insurance check. After you have signed any final inspection paperwork if your insurance company requires you to do so, the final bill gets mailed or faxed to the insurance company, which should send a final check. In most cases, the check covers all or the majority of the final bill.
If damage to your roof necessitates you to undertake the difficult insurance claims process, please call Canopy Construction at 214-749-7360.