The Insurance Claim Process

Here is how insurance claims work, step by step

Get a FREE Consultation
ASAP Roofing inspects your property for storm damage to your roof and other parts of your property
such as siding, windows, fence, etc.

No Damage
If we find no damage to your home, we will let you know.
There would be no charge for this inspection.

Damage Found
If we find damage, we’ll recommend that you contact your insurance company and file 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 call you to schedule an inspection appointment. You explain that you want
your roofing contractor to be present for the inspection and ask for a specific date and time. Be sure to
get the adjusters name and contact information. You, then, need to call your ASAP Roofing
representative right away to inform them of that appointment. If there is a scheduling conflict, the adjuster
may have to be called right back for an alternate date/time scheduled for the inspection. It is beneficial to
the insurance claim process if the homeowners are able to also be present at the time of the inspection.
ASAP Roofing’s involvement helps to prevent you from getting stuck with a settlement that won’t cover
your costs, or even worse, getting denied.

Damage Estimate (Insurance Adjuster)
If the adjuster agrees with us that your property sustained damage from a storm, they will create an
estimate for the required repairs, often while they are still there at the property. If so, they will go over
that estimate with you and pay you the total to replace or repair the property less the depreciation and
the deductible. Sometimes they will leave and send you the estimate and the first check later. We agree
to accept what your insurance company will pay for the claim, including your deductible, and ensure the
highest quality repair or replacement. With ASAP Roofing, you pay no out-of-pocket expense other than
your insurance deductible.

Contract for Work
At the completion of the inspection, if you have received the estimate, we will request that you provide us
with a copy of that estimate. We will execute a contract for the work specified in the insurance adjusters
estimate plus any supplements that may need to be added if the insurance adjuster missed or
miscalculated something.

Contract Sent to Insurance Company
ASAP Roofing will review the scope of work and confirm all measurements to assure all of the damage is
included and has been accurately calculated. We will fax the signed contract and any supplement
request to the insurance company to initiate the process for the insurance company to send you the RCV
(replacement cost value) or final check.

The Final Check The Process
The Final Check

If there is a mortgage on the home, the mortgage company’s name will probably be on the check along
with yours. There will be several forms to be filled out and notarized. You will need to send the check for
endorsement along with those forms to the mortgage company to be processed. It’s best to send this
‘overnight’ to speed up the process.