Insurance Process

Your home or business has just been damaged by a storm. You’re feeling overwhelmed and aren’t sure how to begin the recovery process. Call DuraShield! Let our friendly and experienced contracting and roofing professionals guide you step-by-step through the repair process, while our trained inspectors work directly with your insurance company to ensure your claim is handled quickly and accurately.

1) Call DuraShield for a free, no obligation assessment of damages. Our Inspection includes a damage inspection report with a recommended course of action, pictures and/or video documentation of any damages we identify.

 

2) File Your Insurance Claim Form for Business or Home Exterior Damage When you file your claim with your insurance provider, make sure you 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. Also, ask the representative to have your assigned insurance adjuster contact you or DuraShield so that our representative can be in attendance for the initial adjuster inspection.

 

 

3) Insurance Inspection for Roofing and Exterior Damage to Home or Business Once your insurance adjuster contacts you, request a firm date and exact time that he or she will be performing the initial inspection. Be sure to inform the insurance adjuster that you would like DuraShield to be present. After your adjuster provides you with your inspection date, please contact DuraShield and provide us with this information, as well as your claim number. Once your property inspection has been scheduled, 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.

 

 

4) 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.

 

 

5) Roofing and Exterior Insurance Claim Denied If your claim has been denied or you have only received a partial settlement, don’t worry. DuraShield can handle these types of situations too. We will start by requesting a copy of the current loss report you have received from the insurance company. We will need to figure out exactly what the insurance company has paid for so we can figure out what they have “accidentally overlooked”. If we feel there is more damage than what has been covered, then we will suggest to you letting us request a re-inspection with your insurance company. This time we will be present to point out the damage to them if they don’t see it.

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