SCHEDULE INSPECTION
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Schedule Inspection
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Roadmap

Inspection/Qualification

  • Thorough inspection of your roof
  • Identify level of damage and roofing needs

Roadmap

Roof Replacement

  • Scheduling & confirming your replacement date
  • Initial payment (ACV) is collected when we start on the project
  • We perform a quality control inspection after the roof has been replaced

Presentation

  • Who we are and how we operate
  • Understanding the roof replacement process through insurance
  • Identifying your needs and discovering how we can help
  • Through an insurance replacement you pay your deductible and insurance covers the rest*

Completion

  • We will send photo evidence and completion paperwork to your insurance proving the roof has been replaced
  • This will reflect in their system that your property has a new roof, allowing for a seamless process in the future
  • Upon receiving our completion documentation, insurance will release the final payment (depreciation)

Supplementing

  • A supplement is submitted to insurance when something was not accounted for correctly on the original scope of work from insurance
  • Examples of this are when there are multiple layers of underlayment, an outdated price list, etc.
  • Insurance reviews the supplement and sends you updated paperwork after the approval
  • Insurance will disburse funds based on the updates; this is not an additional out-of-pocket expense
  • We will then reference the updated paperwork from insurance

Helpful terms to understand for Insurance Roof Replacements

A supplement on a home insurance claim is an additional request for payment that a contractor or homeowner submits to the insurance company after the initial claim has been processed.

This usually happens when:

  • Hidden damage is found during repairs.
  • Material or labor costs turn out to be higher than expected.
  • Code upgrades are required by local laws.
Essentially, it’s an adjustment to your claim to ensure all necessary repairs are fully covered. The insurance company will review the supplement and may approve or negotiate the extra payment.
RCV (Replacement Cost Value) on a home insurance claim is the total cost to replace or repair damaged property with new materials of similar kind and quality, without deducting for depreciation.

Recoverable depreciation on a home insurance claim is the portion of your claim that your insurance company holds back until repairs or replacements are completed.

How it works

  • 1

    Initial Payment (Actual Cash Value – ACV):When you file a claim, the insurance company pays you the current depreciated value of the damaged item (accounting for wear and tear).

  • 2

    Recoverable Depreciation:If your policy includes replacement cost coverage, the insurance company will hold back the difference between the depreciated value and the cost to replace it with a new item.

  • 3

    A Certificate of Completion:for an insurance claim roof replacement is a document that confirms the roofing work has been fully completed according the agreed-upon scope.

  • 4

    Final Payment:Once your contractor proves that repairs or replacements were done (by submitting a Certificate of Completion), the insurance company releases the recoverable depreciation to you to pay the remaining balance for the roof.

A Deductible on a home insurance claim is the amount you, as the homeowner, must pay out of pocket before your insurance company covers the rest of the claim.

How it works

  • 1
    Damage OccursYou file a claim with your insurance company.
  • 2
    Deductible AppliesThe insurer subtracts your deductible from the total payout.
  • 3
    Insurance Pays the RestAfter the deductible, your insurer covers the remaining approved costs.

Example:

Your roof repair costs $8,000.

Your deductible is $1,000.

Insurance pays $7,000, and you cover the $1,000 out of pocket.