insurance claim roof replacement

Advent Roofing will inspect your roof for:

• Hail and wind damage, and potential or immediate leaks
• Attic damage sometimes caused by hail
• Gutter Damage
• Patio/Pergola and Fence Damage
• Windows and Window Screens
• Garage Door Damage

*if necessary, and only at homeowner request, we can install temporary repairs to your roof

Should we find significant hail damage, it is the responsibility of the homeowner to open a claim with their insurance. This requires a short phone call from the homeowner to the insurance provider. When opening the claim, be sure to:

• Provide Date of loss (date of hail storm)
• Mention that a professional roofing inspector found damage
• Mention any leak potential to the insurance

After you open an insurance claim for roof replacement, you will receive a date and time for the insurance inspection. Upon the inspection, the adjuster will assess the hail damage and generate an estimate for the replacement of the damaged property. It is very important that the homeowner have both the roofer and the adjuster present during the insurance inspection. This ensures that the contractor and the insurance agree on ALL damage before the estimate is made, thus saving the homeowner, and the contractor, time during the restoration process.

When the adjuster provides the estimate, an Advent project manager will go over the claim estimate with the homeowner to make sure all damaged items are not only a) listed on the claim, but b) priced fairly. If anything is missing from the hail damage claim, it will be submitted through the insurance supplement process by Advent.

Shingle type, shingle colors, ventilation types and overall scope of work will be assessed at this time as well. Any additional trades (gutters, fence, etc.) will also be addressed and planned at this time with the Advent project manager.

Insurance Payments:

In Texas, the payments going to the homeowner for the claim from insurance are split into 2 separate checks. The first check is called “ACV” (Actual Cash Value). The ACV check is the sum of the repair minus the deductible, minus the depreciation. The second check is only released once the contractor (roofer) provides the insurance with a letter of completion and/or final invoice – this check is called the “Depreciation”.

Why does Texas split the payments into 2 checks for homeowners instead of one lump sum? The state requires 2 checks:

• to ensure that the funds are spent on the repair (it will be a large sum for a full roof replacement)
• to protect the homeowner from being taken advantage of by the contractor. Again, the contractor can only obtain the depreciation portion (2nd check portion) of the repair upon providing insurance with the proof that the work is complete. The contractor should not get paid in full until the work is completed in it’s entirety.

We will handle all front-end planning prior to the roof replacement, which includes:

• City Permit
• Roof Replacement Scheduling
• Material Orders
• Organizing special instructions requested by homeowner
• Appropriately scheduling any Additional Trades

Preparation for the Roof Installation:

DURING Roof Installation

• Vehicles moved out of garage and out of driveway for delivery of materials
• Unlock all gates for access around the home
• Use caution when entering and exiting your home during roof installation

AFTER Roof Installation

• Final walk-through with your Advent Roofing representative upon completion of roof installation
• Complete additional trades (gutters, windows, fence, etc.) (if applicable)

*As of September 1, 2019: “Texas law requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of Texas law for a seller of goods or services who reasonably expects to be paid wholly or partly from the proceeds of a property insurance claim to knowingly allow the insured person to fail to pay, or assist the insured person’s failure to pay, the applicable insurance deductible."