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Old 02-22-2008, 10:09 AM
 
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Default Roof damage and insurance ?

When a home sustains roof damage how does the insurance co. pay off? Do they send an adjuster to estimate then cut check?
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Old 02-22-2008, 10:21 AM
 
Location: Falling Waters, WV
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We had a mobile home that the roof was caving in and we called the insurance company and they came out and totalled the home and then cut us a check. I would think that it would work the same for the a stick built that once you get some estimates that they would either cut you a check or pay the contractor. Our company even had a contractor come out to inspect the damage to see what would be involved to fix it. We were actually surprised that they paid for it because the original owner put a pitched roof on the home but didn't ventilate and that is what rotted out the roof and started caving in.
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Old 02-22-2008, 10:58 AM
 
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Usually they will send and adjustor out, determined if the roof damage is from a covered loss, if it is they will send you a check made out to you and your mortgage company for the depreciated amount of the roof. You will have to have your mortgage company endorse the check, don't endorse it yourself until you get it back from the mortgage company. If you don't fix your roof, that is all you get. If you fix the roof they will then send another check for the remaining replacement cost of the roof after the work has been completed and inspected.
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Old 02-22-2008, 01:02 PM
 
Location: The Big D
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There are different things that come into play. If your roof was damaged along w/ MANY others in the area due to a storm (I'm in Texas and used to hail storms) the insurance companies will send out teams from other areas to go out on the claims they get. If yours is not in that scenario then you would still call it in as you would any other time and they would send out an inspector. If they deem it does indeed have damage and the amount needed to replace it is more than your deductible they will either send a check to you or write one then minus your deductible. If the damage is MINOR and you believe that your deductible amount is MORE than or close to the $$$ needed to fix the roof.......... DO NOT CALL YOUR INSURANCE COMPANY! Go ahead and pay out of pocket to fix it as this is what you will have to do anyway. On top of that you NOW have a MARK for a claim against you. They DO keep track in a national data base on how many claims are made. Even if your only thinking you MIGHT have some damage I'd call a roofing company to come out and look first before calling my insurance company in order to keep that claim off of my record. Now, if you DO have damage and it warrants the insurance company they will give you the check and if you have a mortgage on it the check or rather INSURANCE DRAFT (these are indeed DIFFERENT than a normal check) that must first be endorsed by the mortgage company before you can sign it and deposit it. The mortgage company may also require proof that the roof was indeed repaired/replaced. The only way around not having the mortgage company on the check is if the property is paid off or the amount on the mortgage is substantially less than the market value.
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Old 02-22-2008, 01:47 PM
 
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Funny you mention that Moms, they were even asking me that question about home owner claims when I was shopping for car insurance policies. It didn't apply to me, but I did find it odd. They seem to use pool data from credit agencies, DMV, and now other insurance policies. Even went so far as to ask me if I've had anything going on legal wise, not just involving a car. I didn't have anything to worry about other than just how much info these folks entitle themselves. Creeped me out.
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Old 02-23-2008, 12:59 PM
 
Location: The most unpredictible weather state.
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It is VERY important to have a professional roofing insurance resoration specialist inspect your roof first. This person will determine whether or not you have a claim. Next, you will contact the insurance company to make a claim and an appointment. The restoration specialist will be there to meet with your claims adjuster.

Insurance companies will pay out as little as possible and this person is there to point out EVERY little covered thing from roofing shingles to air conditioners.

I work for an Insurance Restoration Roofing Company in Ohio so, if you have any questions feel free to PM me.
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Old 02-23-2008, 03:34 PM
 
Location: Here
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Quote:
Originally Posted by ILOVEOHIO View Post
a professional roofing insurance resoration specialist
Please enlighten me as to how one becomes a "professional roofing insurance restoration specialist"? I'd love to hear it.

Quote:

Insurance companies will pay out as little as possible and this person is there to point out EVERY little covered thing from roofing shingles to air conditioners.
Wow! Thats a bold statement. An insurance company will pay you the going rate to replace the roof. Insurance companies are not in the business of overpaying claims. The carrier will pay what they owe and nothing more. Having a "professional" roofing SALESMAN isn't going change that fact.
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Old 02-23-2008, 03:50 PM
 
Location: GA
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Default my experience

Quote:
Originally Posted by saltine View Post
When a home sustains roof damage how does the insurance co. pay off? Do they send an adjuster to estimate then cut check?
I would think it would depend on the reason for the damage. My roof was damaged (not covered) but the damage done to the interior of my home was covered. It wasn't extensive. I described it to the adjuster and received a check; no inspection.
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Old 02-23-2008, 04:49 PM
 
Location: The Big D
14,874 posts, read 22,626,437 times
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Quote:
Originally Posted by 01Snake View Post
Please enlighten me as to how one becomes a "professional roofing insurance restoration specialist"? I'd love to hear it.



Wow! Thats a bold statement. An insurance company will pay you the going rate to replace the roof. Insurance companies are not in the business of overpaying claims. The carrier will pay what they owe and nothing more. Having a "professional" roofing SALESMAN isn't going change that fact.
Me too. I've never heard of such and exactly how much would one have to pay to have someone that does this come out? I know a reputable roofing company is free to come out and do an inspection.

IF your insurance says in their estimates a number that is allowed to be paid and you can not find anyone REPUTABLE to do it for that price the insurance companies WILL INCREASE what they pay out if you turn in estimates stating the going rate. They will do this for ANY type of claim be it for car or house. I've gotten estimates from carpeting companies to show that my carpet was better than avg and they increased the amount I was getting compensated for replacement of the carpet.
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Old 02-23-2008, 04:52 PM
 
Location: The Big D
14,874 posts, read 22,626,437 times
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Quote:
Originally Posted by harborlady View Post
Funny you mention that Moms, they were even asking me that question about home owner claims when I was shopping for car insurance policies. It didn't apply to me, but I did find it odd. They seem to use pool data from credit agencies, DMV, and now other insurance policies. Even went so far as to ask me if I've had anything going on legal wise, not just involving a car. I didn't have anything to worry about other than just how much info these folks entitle themselves. Creeped me out.
Yep, they keep a record of ALL CLAIMS! When we went to get some rates last year to see if we could find something lower but still with a known reputable company we had to wait several months to change our homeowners over because of the amount of claims. One of the claims was from a few years before after a bad hailstorm we just had the insurance company COME OUT to make sure we did NOT have any damamge. It still gets put down as a "claim" even though zero dollars are issued (they know that too ). You are allowed only like 3 claims in something like a 5 year period. We went 15 years with only TWO insurance claims to be paid on but because of that ONE CALL to just make sure our new roof was okay it got that 3rd mark.
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