Insurance Claims

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Things To Know About Your Insurance When It Comes to Roof Repairs:

• Hail and wind are generally considered an Act of God on insurance policies and do not raise your rates individually.
• If you have a mortgage on your property, your lender requires you to carry “replacement cost coverage” to underwrite your loan. This guarantees that even older roofs are replaced at no additional costs to homeowners other than the deductible.
• Crusader Roofing follows the insurance claims agreement in its scope of work and will perform its duties for the amount the insurance company pays in its claims agreement with you.
• Beware of insurance fraud. There are many roofers who will offer to pay your deductible for you. You are the one committing insurance fraud in that situation, not the roofer.
• You only have a limited time in which your homeowners’ insurance will cover the cost of damages! By not making repairs you may risk losing property value or having to repair at your own cost. Also, your insurance company may opt to not renew your homeowners’ insurance policy until repairs are made.
• Importance of “Date of Loss” – In order for your homeowners insurance to covered damage to your roofing system, your home MUST have been insured at the date of loss for your homeowners insurance to consider the damages. Many roofs are replaced due to wind damage but some are not due to not having a valid date of loss. Revive Roofing has access to state of the art software that allows us to verify storm date and type of loss at YOUR address!
• When filing a claim you need to make sure you get covered for all damages at the time of loss. One thing we always tell homeowners is that at the end of the day, insurance companies are for profit businesses and their not just cutting checks left and right.  As long as your policy doesn't have any exclusions, your home will be covered form wind and hail storms.  Remember, time is of the essence when filing a claim. If you wait too long, you will not be able to file insurance for the damage and you will be responsible for all the costs. Check with your carrier for details for how long you have to file after a date of loss. 
• After the insurance company sends out an adjuster, you will get a report detailing the damages observed and the compensation amount. If compensation is not enough, we can file the necessary paperwork to have these items included and paid for even after a check has been issued to you. We refer to this as supplementing.
• We meet on-site with your insurance adjuster to make sure we see eye to eye and make sure they don’t miss or overlook any  damages.