Insurance Process

How do you deal with insurance claims after your roof has been damaged by a storm?

When your neighborhood has been in the path of a destructive wind or hail storm, your home can sustain damage that needs immediate repair – especially your roof! Your roof is the first line of defense against future storms and heavy rain. As the homeowner, you have the choice to have a contractor complete the job, or you can do the work yourself. Our Restoration Consultants are properly trained and committed to assisting you throughout the entire insurance claim process.

Your Restoration Consultant is committed to:

• Completing a thorough inspection at no charge!
• Documenting and reviewing their findings with you
• Send you a complete inspection report of your property
• Walk you step by step through the claims process so you know what to expect and how to maximize your insurance benefits.
• Honest, professional, and knowledgeable representation throughout the entire process beginning to end

Do you suspect your home may have sustained storm damage?

We will send one of our trained professionals to complete an assessment to determine the extent of damages and if those damages are worth contacting your insurance company to file a claim. We encourage you to contact us if you have any questions regarding the claims process, choosing a contractor, or if you’d like to learn more about what could potentially be on your roof right now!

How do you calculate the estimate for your storm-damaged roof?

Your homeowners’ insurance company will be sending you a claim’s adjuster to inspect your entire property. This inspection will include the roof, windows, window screens, rain gutters, decks, porches, siding, chimney, etc. Anything that appears to be storm related damage will be covered by your insurance company.

Storms will often cause damage to parts of your home other than your roof. Our restoration consultants are knowledgeable in all aspects of the interior and exterior of your home. We’ll be present during the adjuster meeting to ensure they account for all damage to your home. We’ll take the extra step to make sure nothing is overlooked or left out of your estimate. We are ready to assist you with your entire claim process at no cost to you.

Ready Roofing & Solar and your insurance company both use state-of-the-art software, (Exactimate) that takes into account local material prices and labor rates. This estimating software is based on quality materials comparable to those found on your home prior to storm damage. Ultimately, the adjuster will be setting the price for each repair to be performed. They will pay for all of your damages in full, less your deductible. The payments will be made in two separate checks that will be issued to you, the homeowner. The first check issued is the A.C.V. (Actual Cash Value) which calculates the depreciation of your property. The second check, R.C.V. (Replacement Cost Value), will be issued after the repairs have been completed.

These terms (A.C.V. and R.C.V.) can be confusing and cause concern that your insurance company will not pay the full replacement amount for the repairs. Please see our F.A.Q. section to help clarify and explain the A.C.V. and R.C.V. in more detail.