S&S Roofing & Contracting

The Residential Insurance Claim Process

• Provide your Roofing Salesman with the Insurance Agent’s name and telephone number and the insurance policy number. We will attempt to file the claim in your behalf. This works most of the time but some insurance companies prefer the Homeowner file the claim directly. Ask the Agent to have the Adjuster Make an Appointment to inspect the roof. The Adjuster usually looks at your roof within 5 - 7 days after filing the claim.



• The Insurance Adjuster will call you to make an appointment. Be sure to get the Adjuster’s name and telephone number. Go ahead and set the appointment and contact your roofing Salesman to give him the time and date and Adjuster’s name and telephone number.



• If the roof is approved, the Homeowner will receive a check for an estimated fifty percent of the claim.



• If you have a mortgage on your home, the first check will be made out to the Homeowner and the Mortgage Company. Contact your Mortgage Company and ask for the Insurance Department or the Loss Draft Department for details on their process to get the first check endorsed. DO NOT sign the check until it comes back from the Mortgage Company in case the check gets lost in the mail.



• Contract with a reputable Roofing Company that is familiar with the insurance process. Any credible Roofing Company will agree to do the installation for what the insurance company agrees to pay for the roof replacement plus your deductible. If they are willing to do the job for less, especially when there is more work than most can handle, then it is probably a sign that they are forced to sell on price alone; this situation is usually an indication of quality or cash-flow problems.
• If anyone suggests that you "make money" on the roof installation, this is Insurance Fraud and you and the other participant could become involved in a lot of trouble. The Insurance Companies, due to the heavy losses sustained in the last two years, are constantly monitoring the claims to protect themselves and their policyholders.



• Call your Salesman when the first check comes in from the Mortgage Company. The first check is due as down payment when material arrives at the jobsite. Please check the materials to verify the shingle color and drip edge color are correct.



• Upon completion, your Roofing Salesman will do a final inspection on the job and go over the checklist with you. Please note any items that need attention (if any) and sign the final inspection checklist. If your Mortgage Company has requested a final inspection, call them now.



• The final bill will be faxed or mailed directly to the insurance company and a copy will be sent to the Homeowner.



• Upon receipt of the final insurance check, the invoice is due. Please contact your Roofing Salesman to pick up the final check.