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Claims Process

Storm Damage Free InspectionFree Inspection by RCV Roofing

We will provide you with a free roof inspection (while also looking for other damage to your property). If we do not find any damage based on our expertise, we will let you know. If we do find damage, we will determine if a claim with your insurance company is warranted. Each RCV Roofing Representative is trained on how to file a claim and manage the claim from start to finish. We generally assist homeowners with the claims call in their presence.

The Insurance Inspection (After Claim is Filed)

The adjuster will look at your property during working hours (generally 1-2 weeks after the claim is filed), so you probably won’t be home when the adjustment is taking place, which means you have no input in the matter. We ask that you allow us to represent you during the inspection. The adjuster will inspect your roof and exterior of your home for visible signs of damage only. For the roof, he will measure out a “test square” (10′ x 10′) on different sections of your roof. If he can find a sufficient amount of bruises or breaks for each “test square”, the insurance company will pay you for a new roof.

Insurance Adjuster Said “No Damage”

It is possible that your roof was the only one on the block that wasn’t damaged. However, you are entitled to a re-inspection by another adjuster within the same firm. So if you’re not completely satisfied with the results of your claim, don’t settle. Ask for a re-inspection, then let us work for you in getting what you deserve.

Discrepancies

Most occur when the adjuster has not assessed the same amount of damage as the contractor. Whether it is for the roof, gutters, siding or other exterior/interior damage. So if you have interior damage or other hard to see damages that can be easily overlooked, chances are the adjuster will probably miss it. This is another reason that you need us to represent you during the inspection.

You are entitled to have your contractor of choice (RCV Roofing) represent you during the adjustment process to expedite the settlement of your claim. In order to save you time off from work and the headache of the entire process, we ask that you allow us to represent you during the inspection process. We will work with your adjuster to determine the extent of the damage, clarify pricing and offer a repair price agreeable to the insurance company. All you pay in most cases is your deductible. Let us work for you in getting a fair and amicable settlement.

How the Insurance Companies Pay on Claims

homeowners moneyIn most cases, about a week after the adjuster has estimated your property, you will receive your first check. This is most commonly called the ACV (actual cost value).

This check should represent the actual cost to repair or replace the damaged property, minus depreciation and minus your deductible. Your ACV + Depreciation + Deductible are commonly called the RCV (Replacement Cost Value).

The age and condition of the property is taken into account when calculating this depreciation. When work is completed, the insurance company will issue a check for the recoverable depreciation amount only if the total expenses are equal to, or greater than the total settlement.

Many people never get the depreciation amount back because they do not understand the process or the contractor they chose didn’t understand the proper procedures.

When this happens, you have to pay the difference. This could cost you possibly thousands of dollars.

Let us help you from start to finish, Contact Us Today!

We can offer a complete repair package (at the discretion of your insurance company) without you having to do anything. We can handle all of the red tape and obtain permits etc. All work will be performed in accordance with all state and local laws.

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