1) File Your Insurance Claim Form for Business or Home Exterior Damage – When filing your claim with your insurance provider, ask for the related claim number. If it is not available, be sure to request that the insurance representative contacts you as soon as it becomes available. You will also want to make sure that one of our representatives are available during initial inspection.
2) Insurance Inspection for Roofing and Exterior Damage to Home or Business – After the adjuster provides you with your inspection date, please provide us with this information, as well as your claim number. We will meet with your insurance adjuster to discuss the amount of damages to your home. Your insurance adjuster will be provided with printed photos of damage, an itemized estimate for the repairs, and a diagram with all the measurements.
3) Roofing and Exterior Damage Insurance Claim Settlement – When your claim has been settled, you will receive an itemized estimate of repair allowance from your insurance company. It will list the following in three price columns: RCV (replacement cost value), Depreciation and ACV (actual cash value). You will be issued your first check titled to you and your mortgage lender in the amount of the ACV estimate. An amount of recoverable depreciation will be withheld from this first check until you have incurred the cost of repairs and provided the insurance company with an invoice from DuraShield. At this time, you will be entitled to the RCV of your claim as listed in your insurance policy.
4) Roofing and Exterior Insurance Claim Denied – If your claim has been denied or you have only received a partial settlement, we will start by requesting a copy of the current loss report you have received from the insurance company. We will then request a re-inspection to evaluate what the insurance company may have overlooked.