Storm Damage?
Our Process: Working with Insurance
1. We show up at your house
Don’t worry, we’ll call you first and work out a time that’s good for you. Also, we’re technicians, not high-pressure sales guys, so if you get the impression we like you, it’s not an act.
2. We get up close and personal with your roof
Knowing the extent of a roof’s damage requires a comprehensive inspection. We ferret out divots from hail stones, shingles that have torn and become separated due to high wind, and any other vulnerabilities caused by nature,
3. We take a gander at your insurance policy
Before you commit any more of your time, we do some quick research to identify the likely costs of your new roof. We’ll lay out all the variables for you so you can make a decision on how to proceed.
4. You file a claim
If it looks like your new roof is covered, you’ll reach out to your insurance company and tell them about it. We’ll give you the info up front that will make this conversation a snap for you.
5. Your adjuster comes to look at the damage
Before they shell out a bunch of money for your new roof, the insurance company wants to make sure it’s necessary. Within a few days of you filing your claim, they’ll send an adjuster out to take a look at what we’ve found. We’ll be on-site to make friends, and to point out the things we’ve found that we believe necessiate a roof replacement.
They may represent a faceless corporation, but insurance adjusters are people, too. Just like they’re there to help you make your house whole, we’re there to collaborate with them and offer our expertise and information where helpful. We know a lot of claims adjusters in this town.
6. The budget is set
Insurance adjusters know the roofing business well. After they’ve inspected your roof and acknowledged that a replacement is in order, they’ll work out a budget for Anvil to do the work. If we feel like they’ve missed something, this is where we let them know, but the we and the adjusters have been working together a long time, and we’re usually pretty good at seeing eye-to-eye.
With the budget, they’ll also confirm the amount of the deductible, and if any depreciation is required, you’ll know about that, too. With all the finances clearly laid out, you can make a smart decision on how to proceed.
Types of homeowners policies
Not all homeowners insurance policies are created equal. Some reduce the coverage amount for older roofs, while others pay for the full replacement, regardless of age.
Deductible Assistance
Sometimes deductibles and depreciation can be a little fatter than your wallet happens to be at the time. If you need a new roof urgently, we can help speed up the process for you by financing any portion not covered by your insurance policy.
7. We get to work!
It’s not uncommon for Anvil Roofers to turn around a complete roof project in well under a week, which means if you’ve got leaks, you won’t for long. As soon as you give us the green light, we order materials and schedule a crew for a day that works for you.
Most new roofs are done in one day. Really difficult ones can take up to a week. Your Anvil rep will set the proper expectation up front, so you know what to bargain for.
What can affect timing on a project?
See how we do things to give your home the best protection.
