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Roof Insurance Claim Frequently Asked Questions

Roof Insurance Claim Frequently Asked Questions

Below is the information you will find in this article.
Feel free to leave a comment.

What’s the insurance company looking for?
What’s the insurance company payment process?
How will you invoice me?
Do you accept payments?
Is my new roof warrantied?
Do insurance companies offer a rebate for an impact resistant roof?
Links to manufacturer’s websites and their respective warranties.
What is the mortgage company’s procedure?

What’s the insurance company looking for?

fibers exposed and missing granules on asphalt roofing shinglesWhen you call your insurance company to file a claim, they are usually looking for prominent hail damage or other weather-related damage to your roof.

Granules on the roofing shingles block ultraviolet light (UV) from the sun and protect the asphalt underlayment. As shingles age, the granules fall off. As a result, the shingle dries out and gets a “potato chip” appearance as the corners start to curl up. Shingles appear to bubble at the extreme end of their life and become brittle.

When your roof has hail damage, this causes several things;

  • accelerated granule loss
  • accelerated shingle aging
  • voids manufacturer’s warranties
  • leads to other associated problems

Although hail damage doesn’t pose an immediate threat to the structural integrity of the roof, it will eventually lead to problems. Also, many insurance companies have a statute of limitations of how long a hail claim is viable. Therefore, it is usually a good idea to contact your insurance company soon after a major hail storm.

The inspector looks for ‘bruising’ or dark spot on your shingles where granules are missing and the underlayment or fiberglass is exposed. New hail damage usually has a shiny appearance while older damage can appear duller due to weather exposure.

What’s the insurance company payment process?

There are two major types of residential insurance policies;

  • Actual Cash Value (ACV)
  • Replacement Cost (RC)
Actual Cash Value

With an ACV policy, your roof will depreciate in value each year for 10 years. As a result, if your roof has sustained any damages, you will only receive a check for the depreciated value of your roof.

Replacement Cost

If you carry a RC policy, your insurance company will cover the cost to replace your roof, minus your deductible. In addition, home insurance policies that are “replacement cost” will generally pay two installments for a new roof.

First check

The first check should be sent to the policyholder as soon as the adjuster has completed the roof damage assessment.

Second check

The second check is held back until the repairs to your roof are completed. This second check is generally 10% to 40% of the total settlement and is usually referred to as “depreciation”. It is sent to the homeowner when the insurance company receives an invoice for final payment.

When you receive our invoice, immediately forward it to your insurance company. This will speed-up the depreciation payment. Please be aware that most settlement checks are valid for 180 days. If the homeowner allows this check to expire, the bank will not honor it and a rather lengthy process will be required to have this check re-issued.

Furthermore, it is important to remember that the settlement is based on the cost to repair the roof with materials of “like kind and quality.” However, sometimes there is a discrepancy in the adjustment in cost, size of roof, or scope of damage between the homeowner and their insurance adjuster. In this case, your sales representative has the experience necessary to resolve these differences directly with your insurance adjuster. Everyone here at Bob Behrends Roofing and Gutters wants to make this entire process as easy for you as possible.

How will you invoice me?

First of all, we will never ask for any money upfront. Upon the completion of your new roof, you will receive an invoice from us for the full amount due. Please send this invoice directly to your insurance company as they will start processing your second check.

Do you accept payments?

Yes. We will accept a partial payment, or your first check, upon completion of your roof. The balance is expected when you receive the second check. Please make arrangements with the insurance company, bank, and mortgage company so funds will be available to you at this time.

However, if payment in full is not made within 30 days of completion, there will be a 1.5% penalty per month until the balance is fully paid. In addition, a lien may be filed on your property to protect us for the work performed.

Is my new roof warrantied?

Yes. Your new roof will be covered by two warranties:

  • Workmanship – This is our warranty. It covers workmanship, labor, installation, but not materials. This warranty is valid for 5 years.
  • Manufacturer – This warranty is issued by the shingle manufacturer and covers the materials used. These warranties vary based on 25, 30, 40, 50, and lifetime years, depending on the product you install.

However, please remember that these warranties are not valid until your account is paid in full.

Do insurance companies offer a rebate for an impact resistant roof?

The number of roofing products available continues to expand every year. As roofing technology continues to increase, so does the search for the perfect roof:

  • one which looks beautiful
  • maintains high property value
  • is cost effective
  • very durable
  • resistant to hail
  • most importantly, maintenance free

Some insurance companies will give a discount for a hail-resistant roof. This is usually defined by roofing material that undergoes an Underwriters Laboratory test called UL 2218. In this test, steel balls of different diameters and weights are dropped from different heights onto roofing material and then the damage incurred is assessed. Based on the damage made by the steel balls, each material is given a rating that the material manufacture must agree with for the insurance company to participate in their discount program.

Unfortunately, the majority of manufacturers have chosen not to participate in these discounts programs.

However, we work with some manufacturers that have produced the following Impact Resistant shingles and also offer these discounts.

The links below will take you to the manufacturer websites and their respective warranties.

Malarkey, Alaskan3-Tab35yr Warranty
CertainTeed, Landmark IRDimensionalLifetime Limited Warranty
Owens Corning, Duration StormDimensionalLifetime Limited Warranty
Malarkey, LegacyDimensional50yr Warranty
DaVinci Synthetic Shake & SlateSynthetic Shake/Slate50yr Warranty
Decra, Stone Coated SteelMetal50yr Warranty
Boral Roofing Tile (Monier Lifetile)Tile50yr Warranty
WestileTile50yr Warranty

What is the mortgage company’s procedure?

Most insurance companies will usually include both the homeowner’s and the mortgage company’s name on the first, and sometimes the second, check. Mortgage companies require the homeowner to endorse this check and send it to them. However, each mortgage company has its own procedures for releasing funds back to the homeowner. Normally this is only after repairs have been done. The best thing to do is ask your mortgage company what documentation they require to release these funds.

Please be aware that most settlement checks are valid for 180 days. If the homeowner allows this check to expire, the mortgage company will not honor it. Therefore, please ensure the mortgage company receives this check before it expires.

Some mortgage companies will require extensive documentation, and possibly an inspection by one of their representatives. Because we have assisted many homeowners with this process, we are familiar with the requirements. Your sales representative will be happy to assist you however possible. We have found that faxing documentation directly to your mortgage company can be a big time saver to homeowners. We want to help your project move along quickly and efficiently and are willing to help in whatever way we can during this confusing process.

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