TYPES OF SERVICES
Insurance Loss Claims | New Roof Installation | Roof Repair
Insurance Loss Specialist
Effects of Hail
Effects of Wind
The Insurance Process
Assurance
What is my cost?
As an insurance loss specialist, State Roofing is fully qualified to work
with insurance companies to satisfy storm claims for damages. State Roofing
is a licensed, registered, and certified contractor throughout the Gulf Coast
region. The Roofing Contractors Association of Texas requires that roofing
contractors go through a rigorous screening process before they can become
certified.
Texas: Roofing Contractors Association of Texas - Certified Commercial & Residential
# CCRR00169
Florida: State Licensed Roofing Contractor – CCC1326299
Louisiana: State Licensed Roofing Contractor # 45123
State Roofing Co. employs licensed adjustors who are extremely familiar
with Homeowner’s Policies, damages caused by hail, wind, and hurricanes and
the requirements each insurance carrier has for a roof to be totaled and therefore
replaced. We have established relationships with many insurance adjustors,
and have gained their respect.
EFFECTS OF HAIL [Top
of Page]
The protective coating on composition shingles is the granular surface.
When hail (3/4" to 2") strikes a composition shingle it damages this
protective surface, and in some cases the asphalt coating, as well as the
glass mat. Wood shingles and wood shakes are punctured and or split and
metal accessories are dented. Skylights, A/C vents, siding, windows,
window beads, and screens are generally damaged as well.
EFFECTS OF WIND [Top
of Page]
Asphalt shingles are manufactured with a seal tab. This tab can become broken
during high winds. The damage that may exist could be displaced shingles,
seal tabs lifted, and flying debris could gouge the roof surface. If any of
these wind effects have occurred, you may be due a complete new roof replacement.
Let a professional check your roof!
The Advantages of the price being Insurance proceeds and deductible
per policy.
The contract price will be equal to the amount
of money allowed by the insurance company and never greater than that amount.
In some cases, State Roofing Company’s standard pricing is greater than
the
insurance company will allow. We use an independent pricing guideline that
provides industry standard "fair market value" pricing for all areas of
the United States, and is recognized by most insurance companies. In the event the
roofing company you wish to use bids an amount
higher than the insurance company allows, you may be required to
get three bids and submit them to your Adjuster for their consideration. The
insurance company may increase the amount to be paid based on the submitted
bids or may encourage you to obtain other bids from companies that you do
not want to provide construction services on your home.
Your total ‘out of pocket’ cost is always known before signing a contract.
State Roofing assumes any pricing risk involved in the installation of
your new roof or other repairs. You know exactly what your expense will be.
Proving an insurance loss is the responsibility of the insured.
It is critical many times to contract with a roofing professional prior to
an insurance adjustor evaluating the roof. The insurance company adjustor
is not required to find damage, just because you experienced hail or wind
or your neighbor experienced storm damage. In the event you are not able to
identify hail damage on your roof, it is critical to employ someone who can
represent your best interests. A representative of State Roofing will meet
with your insurance adjuster on the roof and identify all storm damage in
order to assure the most favorable decision. There is no cost for this service
as long as you have signed a contingent contract with State Roofing – contingent
on State Roofing getting the insurance company to pay for your new roof. Contracting
for insurance proceeds allows us to offer our professional expertise at no
additional cost.
State Roofing understands the entire insurance process and is willing
to work with the insurance company for you. State Roofing will complete
the paper work for recoverable depreciation, obtain endorsements from mortgage
company’s on insurance proceed checks, file supplemental claims when necessary
and most importantly, wait for the insurance company payment.
There are no deposits required when State Roofing works for insurance
proceeds. (Residential Only) Once a roof is substantially complete, a payment equal to
the actual cash value and deductible is due. Final payment is not due until
all insurance proceeds have been received by you. If you have signed
a cash contract, no payments are due until the work is complete. All
payments are subject to your contract terms.
Repairing damage to your property with equivalent material and quality
is required and expected by your insurance carrier and mortgagor, if applicable.
Utilizing the insurance adjustment to define the scope of work insure proper
replacement and repair.
The insurance adjustment, along with the contract, defines the scope
on the project. When having work done on your home, it is imperative that
you know exactly what will be done and how much it will cost. Often, when
making repairs to a storm damaged home, other necessary repairs, additional
work and their associated expenses can become apparent after the work has
begun. In most cases, when working for insurance proceeds, State Roofing can
contact the insurance company adjuster for supplemental claims. Under this
scenario your out of pocket expense will usually never change.
Fair and responsible pricing. As we all know, there is always someone
who will do it cheaper. State Roofing does continuous cost information
sharing with the insurance companies and is always aware of current pricing.
Insurance companies do continuous research in the ever-changing costs for
repair and replacement in order to pay the lowest and fairest cost to their
insured’s. The insurance company expects you to use a professional quality
contractor that can do repair and replacement in a timely manner, pay all
bills promptly to avoid material and mechanic liens, provide quality communication
and service during the process, and ultimately warrant all work. Insurance
proceeds typically provide sufficient compensation for a professionally managed
contractor to provide proper service to its clients.
Reputable and professional contractor. In the event your insurance
carrier has determined you have a valid claim and you have your check, you
have the opportunity to interview various contractors and receive competitive
proposals. It is imperative that you base your decision not only on the value
received, but also the reputation and professionalism of the contractor.
Recoverable Depreciation. As most insurance carriers initially pay
the actual cash value, recoverable depreciation is only paid up to the actual
amount of the contractor’s invoice. Why sacrifice having a quality, conscientious,
and professional contractor who will be there when you need him in order to
save the insurance company a few dollars?
THE INSURANCE PROCESS
[Top of Page]
After damage has been confirmed by a professional State Roofing Co. Representative,
call your agent and request an adjuster come to review and estimate the damage
with a State Roofing Co. Representative.
We are trained professionals and will insist on a fair and complete statement.
After our initial meeting, the adjuster will determine a “fair market value”
to repair the damage to your home. This value must include the rising costs
of labor, materials, and the transfer of materials that will be incurred due
to the recent hurricane activity. State Roofing Co. will then complete all
work on the property loss worksheet for the amount the insurance company allows.
State Roofing Co. will process all checks which require endorsements from
your mortgage company. Sit back, relax, and let your professional staff work
through the insurance process and re-roofing project with experience and dedication
to customer satisfaction.
IMPORTANT: Be sure a State Roofing Co. Representative is on site when the
adjuster makes their initial visit.
ASSURANCE [Top
of Page]
5 Year expressed warranty on labor.
Detailed written work orders on material and labor specifications.
Trained crews who will install your new roof to manufacturer specifications.
On time, and leak free.
Fully staffed office for proper insurance billing to include itemized invoices
and processing for mortgage company endorsements.
Pay your final bill only upon satisfaction.
Insured with general liability.
A trusted name in Texas, Louisiana, Mississippi, and Florida.
WHAT IS MY COST? [Top
of Page]
With an insured loss the insurance company will pay up to their settlement
figure as long as you provide an invoice under the company’s guidelines.
If you choose a company that gives you a low estimate, and provides standard
work, the insurance company will pay only the amount of the low estimate.
If you choose a quality-conscience company that will provide the best roof
using quality materials, and up to date roof accessories, the insurance company
will pay their final bill, as long as it does not exceed the adjuster’s estimate.
In other words, whether you get a cheap roof or a roof with all of the accessories
by a quality company, your cost is only your deductible.
The bitterness of poor quality is long remembered after the sweetness of a
low price.
Call today for your FREE NO
OBLIGATION INSPECTION AND ESTIMATE!
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