A Guide to Tulsa Residential Roofing Insurance Claims
The insurance claims process can be very intimidating. The good news is at Perfection Roofing, we are insurance claims professionals. We assist our customers through the process so they can have peace of mind that they are getting what is due from their insurance provider. We have an excellent working relationship with most major insurance companies. This allows us to replace your roof “hassle-free”.
We know that your life is busy, which is why we make it our mission to relieve you of negotiating with your insurance company. We understand how Tulsa roof insurance claims work and have successfully helped over 30,000 customers with their roof insurance claim process.
At Perfection Roofing, our licensed staff knows how to help. Whether you are dealing with a Tulsa area residential or commercial property claim, we have the tools to be successful with your insurance provider and have many good relationships with insurance companies.
Contact us to have one of our roof consultants or our HAAG Certified Roofing Inspector conduct a free inspection of entire roof! We would be happy to assist you and answer any questions.
HAAG certified Roof inspectors
Perfection Roofing has HAAG certified Roof inspectors in house who often times mediate for insurance companies. If your roof project requires assistance with insurance or should there be a discrepancy with your insurance company, Perfection Roofing’s on-staff HAAG certified Roof Inspectors are a powerful resource for you.
WORKING TOGETHER
THE INSURANCE CLAIM STEP BY STEP PROCESS:
01
Contact your agent
Contact your agent and describe the damage to your property. Request that your agent have the adjuster make an appointment to inspect the roof with your Perfection Roofing Associate.
02
get the correct info
Set the appointment and contact your Perfection Roofing Associate to give him the time and date and adjuster’s name and telephone number.
03
get your check
If the roof is approved, your insurance company will issue a check. This amount will reflect the estimated amount to restore your property less the deductible and depreciation.
04
understand the process
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.
05
beware of fraud
Contract with a qualified roofing contractor 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 are constantly monitoring the claims to protect themselves and their policyholders.
06
check materials
Call your Perfection Roofing Associate when the first check comes in from the mortgage company. Please check the materials to verify the shingle color and drip edge color are correct.
07
final inspection
Upon completion, your Perfection Roofing Associate 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. At this time the balance of the initial claim check and the deductible are due. If your mortgage company has requested a final inspection, call them now.
08
invoice is due
The final bill will be faxed or mailed directly to the insurance company.
Upon receipt of the final insurance check, the invoice is due. Please contact your Perfection Roofing Associate to pick up the final check. You will be supplied with a Labor and Material Warranty Certificate.
Understanding Homeowners Insurance
Homeowners insurance is incredibly important for protecting your home from financial losses due to unexpected damage. This type of insurance policy typically covers the structure of your home, including the roof, walls, and foundation, as well as personal property damage and liability.
However, it’s essential to understand the specifics of your policy, especially when it comes to roof damage. Homeowners insurance generally covers roof damage caused by weather related accidental events such as storms, hail, tornadoes, and wind.
However, it may not cover damage resulting from maintenance-related issues like wear and tear or damage caused by pests or rodents that could have been prevented by the owner. Therefore, regular maintenance is key to make sure your roof remains in good condition and your insurance coverage remains valid.
Factors Affecting Roof Damage Claims -
Several factors can influence the outcome of your roof damage claim.
Understanding these factors can help you better prepare and manage your expectations:
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Age of the Roof:
Older roofs are more susceptible to damage and may not be fully covered by insurance. Some policies have age limits for coverage, so it’s important to know the specifics of your policy.
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Maintenance:
Regular maintenance is crucial. Neglecting your roof can lead to damage that may not be covered by your insurance policy. Keep records of all maintenance work to support your claim.
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Location:
Homes in areas prone to severe weather, such as hurricanes or hailstorms, may have higher risks of roof damage. Insurance policies in these areas may have specific terms and conditions.
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Type of Roof:
Different roofing materials have varying levels of durability. For example, metal roofs may withstand severe weather better than asphalt shingles. Your insurance policy may take the type of roof into account when determining coverage.
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Insurance Policy:
The type of insurance policy you have and its coverage limits will significantly affect your claim. Understanding your policy’s terms, including any exclusions or limitations, is essential.
Insurance Claim Denial
Insurance claims can be approved or denied based on various factors. Understanding common reasons for denial can help you avoid pitfalls and improve your chances of a successful claim:
- Lack of Coverage: It is possible that the damage may not be covered under your insurance policy. Review your policy to understand what is and isn’t covered. We can help file a claim as well.
- Insufficient Documentation: Providing inadequate documentation can lead to claim denial. Ensure you submit all necessary evidence, including photos, videos, and receipts so you can cover roof damage.
- Pre-existing Damage: Damage that existed before the policy was purchased is typically not covered. It is a great idea to document the condition of your roof with pictures when you purchase a policy to avoid disputes if storm damage does occur.
- Failure to Meet Policy Requirements: Not adhering to the requirements outlined in your policy, such as regular maintenance, can result in denial. Familiarize yourself with these requirements to ensure compliance.
If you have a damaged roof and your claim is denied, you have the right to appeal the decision. Understanding the appeals process and seeking professional help, if necessary, can improve your chances of a successful outcome.
Tulsa Roofing Insurance Claims Professional
When it comes to roof repair and replacement, working with a reputable roofing contractor who has experience with insurance claims is essential. Here are some tips to help you through the roof claim process:
- Choose Perfection Roofing as your contractor: Research and select a contractor with a solid reputation and experience in handling insurance claims. Make sure they are licensed and insured.
- Review the insurance adjuster's report with us: Check Google reviews to make sure that the roofing company has a history of quality work and customer satisfaction.
- You can look at our google reviews here.
- Trust the process. We have helped with over 30,000 insurance claims for roofs in Oklahoma and would love to help you! Trust the process, we promise we have your back.
Call Perfection Roofing to schedule a roof inspection and we would love to assist you with your homeowner's insurance process!
contact info
Oklahoma CIB Registration #80005587
5507 E 61st Pl, Tulsa, OK 74136
Phone: 918-665-6747
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