Insurance Claims For Weather Damaged Roofs
As Maui’s leading expert in insurance mitigation, we have assisted hundreds of Hawaii homeowners and business owners with the insurance claim process. Here you will find a summary of how the insurance process works, FAQ, and a customer checklist of the insurance process.
Roof Insurance Claims FAQ
Q: What about premiums, don't they rise when a homeowner files an insurance claim for their storm-damaged roof?
A: When a homeowner files a claim due to weather-related damage that their roof has sustained, premiums do not rise as a result. Why? Weather-related damage is considered “an act of God,” and is out of the homeowners’ control. If, for example, the homeowner were to accidentally start a grease fire in the kitchen and file a claim afterward, that would be a different story because the fire damage was caused by the homeowner.
If you pay your premiums and an insurance company has agreed to cover your home, you have the right to request they send an adjuster to inspect the damage when your roof has been affected by high-speed wind. In fact, they would prefer to catch a roofing issue well before resulting interior damage has a chance to set it. When shingles are missing, it’s only a matter of time before leaks appear.
Q: What is the cost to the homeowner?
A: When a homeowner files a claim that their insurance company approves, the only cost to the homeowner is their deductible. Even in cases where the insurance company deems a full replacement necessary, the only cost to the homeowner is their deductible.
Q: How long does the insurance claim process take?
A: Every claim is different, and many factors will affect how long it takes to complete the process. The average process takes about 4-6 weeks. The actual roof replacement takes only 1-3 days, weather permitting. We’ve found that the best way to ensure a smooth process that moves as quickly as possible, is to work with a roofing contractor that is experienced and well versed in working with insurance claims.
Q: Can you cut my deducible out of the equation so I don't have to pay it?
A: No. When a contractor agrees to eat a homeowners deductible, it is considered insurance fraud.
Few Maui residents complain of getting a new roof for the cost of their deductible, however for those who ask this question we do have a great solution. We offer the very best roofing referral program in the state of Hawaii, and by simply referring a friend or family member in need of a roofer to us, the referral reward you receive will very likely be enough to compensate.
Q: What happens if my claim is denied?
A: If your claim is denied, you can have peace of mind knowing you explored that option, and nothing is lost.
We obviously can provide no guarantees on the outcome of your claim, but we have the experience to know what types of damage are likely to get approved. In the event that your claim is denied, your representative will advise you on the next best step.
Insurance Roofing Process
1. Inspection
One of our trained weather damage restoration experts will do a full inspection of your roof, take photos, and create a report.
2. Contingency Agreement
If your roof has sustained weather damage, we’ll ask that you sign a contingency agreement before we assist you with the process. This agreement simply states that because we have educated you about the insurance opportunity, and we have and will continue to spend resources throughout the insurance process to assist you, that if/when your insurance company approves your claim to any degree, that you will allow us to perform the work that your insurance company agrees to pay for. If your claim is denied, the contingency agreement is void and you have lost nothing.
3. Filing the Claim & Scheduling the Adjuster Meeting
Your Project Manager will assist you in filing your claim.
After you file a claim, your insurance company will send an adjuster/inspector to inspect the damage. As the insured, you have the authority to dictate the scheduling of this meeting.
THIS IS THE MOST IMPORTANT STEP, & YOUR PROJECT MANAGER MUST BE PRESENT!
After you coordinate a meeting time for the adjuster and project manager to inspect the damage, your job is done. You can relax and know that we are handling everything.
4. Review The Scope of Loss & Estimation
After the adjuster comes to your home to inspect the damage, your insurance company will provide you with a “Scope of Loss.” This is a line by line estimate of what they are agreeing to pay for.
We will review your insurance scope of loss, to ensure that nothing has been missed or omitted. If the scope is sufficient, we will perform all the work outline within your Scope of Loss. Your insurance proceeds will cover everything on the scope. Your only out-of-pocket expense will be your deductible.
5. Change Orders & Upgrades
Before we schedule & begin your build, your Project Manager will review and finalize your scope of work with you.
Any work that is not outlined in the Scope of Loss from your insurance, is not paid for by the insurance company and will need to be paid for by the homeowner out of pocket.
Your Project Manager will review the change order and finalize any additional work with you. Change orders will be signed together and we must collect deposits before any work begins.
6. Scheduling & Build
Once your deposit has been submitted and cleared, we can schedule your build. We aim to work with your schedule, but must also consider weather, volume, and product availability.
Before the build, please clear your driveway and create sufficient accessibility for a dump truck. We suggest not being home during the actual build period if possible. It can be noisy inside and there will be debris around the property until we complete the project and clean up.
7. Final Inspection & Certificate of Completion
Once your roof project has been completed, a Quality Control Specialist will perform a final inspection.
After the final review, we’ll ask you to sign a Certificate of Completion (COC) acknowledging that the scope(s) have been performed entirely and to your satisfaction.
8. Close Claim & Final Payment
Our company will submit the signed COC & completion photos to your insurance company. This will close the claim and initiate the final funds being released.
You may receive an additional supplement check – build costs that are paid retroactively – from your insurance company. All insurance checks are to be deposited into your personal account, and a personal check in the exact amount.
All upgrades, change orders and out-of-pocket expenses are due at this time.
Enjoy Your Brand New Roof! – And Earn Back Your Deductible!
Now that you’re happy about your brand new roof, that you can’t stop blabbing to anyone and everyone who will listen to you about your new roof, but that positive energy to good use and earn back your deductible.
We make it easy, by offering the best roofing referral program in Hawaii.
When you refer someone to us and we complete a project for them, either through their insurance or a normal cash job, we will give YOU $250.
Have two friends who’ve got problem roofs? We’ll give you $500 when we complete their projects.
There’s so much to love about having a brand new roof! Replacing your roof is an investment in your home that will increase the value of your property, make it easier to get solar, make it easier to sell your home, and it will likely even bring indoor temperatures down a few degrees for more comfortable summers.
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