Insurance Claim Help

Filing an insurance claim can be confusing. The team at Elite Roofing is very familiar with the roofing insurance claim process, and are here to  help you better understand your paperwork and policy.

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Get Started On Your Claim.

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Step 1: Inspection

If you are sure you have damage to your roof, contact your insurance company and get an insurance adjuster scheduled to come inspect your home. If you are not sure your home has suffered damage, schedule your free roof inspection today.
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Step 2: File Claim

After verifying that your home has significant enough storm related damage, our trained Elite Roofing project manager will help you file your insurance claim.

  • The claim filing process will take roughly 5-10 minutes to complete.
    You will need the date and time in which the storm happened and your policy number.
  • All insurance providers have a claims hotline. You do not need to contact your agent if you do not wish to do so.
  • Once the claim is filed through your insurance providers’ claim department you will be issued a claim number.
  • The claim number will be a reference point for your entire claim process.
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Step 3: Adjustment

Once the claim has been filed, an insurance adjuster will be assigned to your claim

  • The adjuster is required to contact you within 48 hours to set up the adjustment at a time that is convenient for you. (The Insured)
  • Upon making your appointment, make sure to contact your Elite Roofing project manager with the date and time of the adjustment.
  • The insurance adjuster is a representative of the insurance company and will naturally tend to have the insurance companies’ best interest in mind. It is important to have your own representation present during the adjustment process. Elite Roofing’s trained project managers ensure the repairs identified by your insurer comply with plans, specifications, codes, laws, rules, regulations, and roofing industry standards for workmanlike construction and repair.
  • The adjuster and the project manager will inspect the entire perimeter of your property as well as inspect the roof and any interior damage.
  • This process takes an average of one hour to complete.
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Step 4: Paperwork

Upon approval the adjuster will create a scope of work for Elite Roofing to use as the initial estimate to get the work started.

This paperwork usually arrives within 7-10 days. It is very important to get a copy of the paperwork to your project manager in order to get the roofing process started as quickly as possible.

As with any insurance claim, there may be extra items that were missed or unforeseen at the time of the adjustment. Don’t worry, our trained insurance supplement team will be there to help you every step of the way.


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Step 5: Payments & Processing

Every storm related insurance claim is paid out in at least two payments. However, it is not uncommon to receive more than two payments. Additional payments are paid out as supplements and are usually paid after the job is complete.

  • The payments are based on a percentage of how old the roof is vs. its expected lifespan. The newer the roof the higher the ACV payment
  • The first payment (ACV– Actual Cash Value payment) is issued along with the first set of paperwork in most cases.
  • The second payment (Depreciation payment) is issued once the job is complete and a final invoice is sent to the insurance company by Elite roofing.
  • RCV (Replacement Cost Value) is the market value of your entire roofing project as of the date in which the project was completed. i.e. RCV=(ACV+Depr+deductible)
  • Elite Roofing does not require any payments to be made until your materials have been delivered to your home.

Experience the Elite Difference

Find out why your next roof should be an Elite Roof by contacting us today for your free inspection and estimate.

Insurance Claim Questions

Find answers to frequently asked roofing questions right here. If you still have questions, contact us and will get our experts on it immediately!

It is important to determine if you indeed have significant damage before filing a roof damage insurance claim. Your first step should be to have a roof inspection completed by a reputable, local roofing contractor. Once you have a clear understanding of the current state of your roof, you can decide whether you should file a claim or if repairs should be completed out of pocket. At Elite Roofing & Solar, we are proud to offer free, no-obligation inspections. Book yours today and receive an honest assessment from one of our specialists.

The size of hailstones is actually not an indicator of how much damage they can cause to a roof. The density of the hail is a more significant factor in the damage it can leave behind. If your property has been hit by hail, regardless of its size, it’s important to have an experienced roofing specialist inspect your roof for damage.

Ignoring roof hail damage can lead to more serious and costly issues down the road. Over time, hidden damage can worsen, causing leaks, structural problems, and reducing the lifespan of your roof. It’s crucial to address hail damage promptly to avoid these complications and potential insurance claim issues.