Roof Insurance Claims
Synergy Roofing
Why Choose Synergy Roofing to Assist with Your Insurance Claim
Storm damage is considered an insurance loss on your homeowner’s policy. Many insurance companies will pay the cost,minus the deductible, for replacing a damaged roof. Synergy Roofing in New Orleans specializes in accident and weather related damage repair and replacement. These incidents can be stressful, so we will help you and meet with your insurance adjuster if requested. With Synergy Roofing in New Orleans, you pay no out-of-pocket expense other than your insurance deductible. Therefore, we will accept what your insurance company will pay for the claim, ensuring the highest quality repair or replacement. You may also benefit from upgrades that we typically offer as signing incentives, such as upgrades with no additional charge. Our company is also one of the most credible roofing contractors in the South.
The Synergy Roofing Process
Step 1
Please provide us with a copy of your insurance adjuster's report for our review.
Step 2
We make sure our contract matches the work described in the insurance adjuster's report, and we add anything that may have been missed.
Step 3
We fax the signed contract to the insurance company.
Step 4
Last, if there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. It's probable that we'll have to complete and notarize several forms.
Insurance Claims – FAQ
In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. But it’s best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim.
Yes. Most all homeowners’ policies cover full replacement value. The first check the insurance company gives you is the Actual Value (AV), what the roof is worth with its useful remaining life. The withheld money, known as depreciation, will be paid upon completion or with a signed contract.
There are two reasons that the insurance companies hold some money back. Ensure the completion of the work. The second reason is that they wish to make sure that you pay your full deductible. Insurance companies think you may look for a contractor willing to complete the job for the money. By keeping a portion of the money, they can change the final payout according to the roofing contractor’s invoice. This guarantees that the customer covers the deductible.
Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please don’t ask us to do this.
It is the homeowner’s responsibility to pay the contractor the deductible amount directly. The deductible is subtracted from the claim amount by the insurance company. The balance left is what the insurance company will pay for the claim, after subtracting what the homeowner pays as a deductible.
No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. Your roofing contractor can inspect the roof with the insurance adjuster for accurate damage assessment. Sometimes insurance adjusters may not see all the damage if they’re not able to walk on a step roof. Synergy Roofing in New Orleans is dedicated to helping you and the insurance adjuster assess damages and protect your best interests.
Getting multiple estimates is wise. The estimate’s dollar amount doesn’t matter if it’s equal to or lower than the insurance company’s estimate. Therefore, with Synergy Roofing in New Orleans, you will pay your deductible, plus what the insurance company pays.
Sometimes the insurance company misses something, in these cases we can compromise with them. The insurance company will review our report and, upon approval, send a check for the additional monies for repairs.
