Insurance Claim Process
We have a general step-by-step outline of the usual insurance claim process we go through when a roof replacement is involved. There will be deviations, but in all likelihood we have experienced those deviations. We look forward to working with you!Get A Free Quote
A representative from Threadgill's Roofing will be willing to inspect your roof, interior, and exterior to assist you in identifying suspected storm damage.
Our representative will sit down with you and review the contingency agreement (there's no obligation if denied).
If you haven't already, contact your insurer to file the claim, and get the claim number.
A representative from your insurer will call you in order to schedule the inspection. Oftentimes it may be the adjuster that calls to schedule.
If there is a mortgage on the insured property, make certain to contact the mortgagor. Ask for the Property Loss Department, and advise them that you are filing an insurance claim due to storm damage. Request that they provide you with a list of their required documentation so as to not impede the process.
When the adjuster calls, write down their name and contact information. Usually, you will receive a confirmation email confirming the individual assigned to your claim. If there is a change your insurer will confirm it.
Generally, you can expect the assigned adjuster to contact you and set up a time for the inspection. Advise the adjuster you have selected a contractor, and he will reach out to the contractor and set up a time. We try to be as accommodating to their schedule as possible, as our meeting with them saves time and builds rapport.
It is to your advantage to have your contractor present, as the adjuster and insurer more often than not prefer it as well. This will save time in the long run.
Contact Threadgill's Roofing and provide the date, time, and name of the adjuster assigned to your claim. Please make certain you have provided them with our information as well.
If the roof is approved for replacement, the homeowner will receive a check for an estimated 50% of the claim along with an estimate summary specific to the insured property. This will identify items approved for replacement and the allowance to do so.
When a mortgage exists on a property, the first insurance check will be made out to the homeowner and the mortgage company. Follow the instructions provided by your mortgage company, and make certain that any documentation required by the mortgage company of the contractor is provided to us. Paperwork will delay payment if not filled out and filed properly (not good).
In today's world, thankfully, many insurers and mortgage companies will direct deposit into their respective client's accounts. However, there are a handful of mortgage companies that will delay for weeks and even months the final payment for no apparent reason. We are familiar with them and pass on any work which includes a known mortgagor that practices these delays.
Once you have the insurance payment in hand, we will review the agreement confirmation. We will verify shingle type, color, and any upgrades you may desire. Additionally, we will review any work you may want us to be responsible for other than the roof.
Once you receive payment back from the mortgage company, go ahead and deposit it. Call your Threadgill's Roofing project manager and he/she will meet with you to schedule the build (usually within 3-7 days of receipt of the 1st check as down payment).
Once the material arrives, the crew will begin removing the old roof and begin the installation of your new roof system. Usually it will take one to two days to complete the roof (35-40 sqs.). We schedule any ancillary work to coincide with the roof replacement.
Depending on the trade the work may occur before, during, or after the roof completion (sometimes it may be all three). This will be determined prior to starting the job and you will be familiar with the anticipated schedule.
When we start the job, we will send documentation to the insurer to facilitate the payment of the depreciated portion of the claim. Additionally, upon commencement, we will request that you notify the mortgage company so that they may schedule their inspection. We will have the roof completed prior to them arriving which is generally 3-5 days.
Upon completion, the crew will pick up all debris from the construction site and sweep your yard, flowerbeds, sidewalks, and driveway with a magnet to remove any hidden nails.
A Threadgill's Roofing representative will conduct a final inspection. At that time the outstanding balance is due, less the recoverable depreciation. This means at the time of completion of the roof, you will have paid the 1st check received from your insurance company plus your deductible, leaving only a balance of the recoverable depreciation.
Once you receive your final check, the balance is due. Please call your Threadgill's Roofing project manager to schedule a time to pick up the payment.
If anyone suggests that you "make money" on a 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.
Waiving deductibles, discounting deductibles, sign allowances... it's all against the law! (Texas State Law Chapter 35 Insurance Fraud Section 35.02(7)(B).
According to the TDI (Texas Department of Insurance), it is illegal for contractors to cover deductibles. This is considered a Class A misdemeanor if the value of the claim is $500 or more, but less than $1,500. It's a state jail felony if the value of the claim is $1,500 or more, but less than $20,000 for both the homeowner and contractor. Finally, it's a felony of the third degree if the value of the claim is $20,000.00 or more, but less than $100,000.00.