Stressed Man

INSURANCE CLAIMS

 Dealing with the insurance companies can be the most frustrating part of major home repairs. We understand those frustrations and we are here to help and navigate everything you might need.  

 

From the insurance claim to the repairs, Nutex Roofing will make sure you are given the outstanding home you deserve.

Step-by-Step

Hail damage, wind damage, and storm damage are considered an insurance loss. Most insurance companies will pay the entire cost for replacing your roof, minus the deductible, if it is damaged.

Nutex Roofing specializes in accident, hail, wind, and storm damage roof repair and replacement - plus gutters, siding, interior painting, sheetrock, ceiling texture and flooring.

**You pay us no out-of-pocket expense other than your insurance deductible**

1) Initiating the Insurance Claim

 - Call us for a FREE inspection. If we discover damage, contact your insurance agent to start the claim process. Your insurance agent will schedule a time to inspect your roof

 - Once scheduled, call your Nutex Roofing representative so he/she can meet you and the adjuster to inspect your property together

 - The claims adjuster will provide you with an itemized explanation of your claim settlement, including your deductible amount and the depreciation

Most homeowner policies grant coverage for full replacement cost, provided the repairs are actually completed. In these cases, the depreciation is deemed recoverable and the final payment is made after your receipts and invoices have been submitted and processed.

2) Repairing Your Roof

 - During the repair process, additional damage may be discovered. We will provide supplemental requests and supporting documentation to your insurance company

 - When all repairs have been completed, we will submit a final invoice to your insurance company. Once processed, they will release the final payment

 - Some insurance companies may send the final payment directly to us. If we receive a payment, we will contact you right away. If you receive the funds, please notify your Nutex roofing representative that your final payment has arrived and is ready to be picked up

As soon as the payment has been processed, your file will be documented and we will immediately send you a 'paid-in-full' invoice and corresponding warranties

3) Quick Tips & FAQ's

 - If emergency roof repairs were made, be sure to keep copies of all invoices and receipts so that your insurance company can reimburse you

 - How do I know if my roof has hail damage?

Most hail that hits your roof may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause damage that may not be readily apparent, and may not start a leak for some time. It's best to have your roof inspected by a licensed roof contractor.

 - The insurance company withheld depreciation on my roof. Will I get that money?

Yes. Most homeowner policies cover full replacement value. The first check the insurance company provides is the Actual Value (AV); what the roof is worth today with its useful remaining life. The money withheld is called the depreciation, or Replacement Value (RV) and will be paid to you when the work is completed (or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjusters report)

 - Why did the insurance company withhold depreciation?

Two reasons insurance companies hold money back. 1) To make sure you get the work done (Past experience has shown when money is given up front, many people end up spending it on something else) 2) They want to make sure you pay your full deductible. Insurance companies reason that if you are given all the money to begin with, many people would naturally try to find a contractor who will perform the job for the dollar amount in hand. By holding a retaining amount,  they can adjust the amount of the final payout based on the roofing contractor's invoice, assuring the customer does pay the deductible

 - How can I avoid paying the deductible?

Legally, you can't. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please don't ask us to do this.

- The insurance company is only paying for part of my roof, and my neighbor's insurance company paid for their entire roof - why's that?

No two houses receive the same amount of damage in a storm. Insurance companies will only pay for the actual damages incurred. If the entire roof was not damaged, the insurance company cannot pay for the whole roof. However, if it is borderline, it is always helpful to have your Nutex Roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Nutex Roofing ensures a helpful presence to look out for your best interest and assist the adjuster if needed with assessment, photographs and measurements.

 - Should I get several estimates?

It is always prudent to get more than one estimate. However, when insurance is paying for the work, the dollar amount of the estimate is not very important as ling as it is equal to or less that the insurance company estimate. With Nutex Roofing, you will only be paying your deductible, so your cost with us will be what the insurance company quotes. Your final decision should be based on going with the contractor whom you feel most comfortable with and will do the best work.

 - What if my estimate is greater than the insurance company's estimate?

This is usually because something was missed by the insurance adjuster. We can almost always work something out with the insurance company. We will submit a "supplement" with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement, and upon approval, send the check for the additional funds needed for the repairs.

We can answer any and all questions you might have...call to speak with one of our directors and schedule your inspection.

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