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How the Insurance Process Works

WHAT WE DO AS YOUR INSURANCE SPECIALIST

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FILING THE CLAIM

Once we have inspected your roof and determine there is sufficient damage to warrant an insurance claim, we can guide you through the initial steps of getting it filed. We will verify and document the storm damage and provide the best next steps to a smooth claims process.

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meeting your insurance adjuster

It is VITAL that you have an experienced roofer present when your roof is inspected by the insurance adjuster. We have countless satisfied customers who were originally “turned down”, or told their roof was in “good shape” by their insurance adjuster. It is not in the insurance company’s best interest to replace or repair your roof; this costs them money. 

**No one can make an insurance adjuster approve repairs for damage that doesn’t exist.  However, the right roofer can point out damage that may go overlooked by an adjuster and ensure your claim is processed correctly. 

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your project

If your claim is approved for repairs, then your next step is scheduling your roof replacement. Insurance restoration work requires a great deal of communication with your insurance company. The process is not easy, and a roofer who has not completed a restoration project can easily cost you money. Your insurance company needs the proper documentation to process the payments on the claim. 

Beware of companies that offer you a "FREE ROOF". They could possibly expose you to insurance fraud and wire fraud! 

"WE LIKE TO DO THINGS THE RIGHT WAY"

THE PROCESS

Your insurance company is going to send out an adjuster who is going to prepare an estimate and issue you a check. It is possible, and well within their right under your policy to withhold a portion of the payout as “recoverable depreciation”. The only way to recover the depreciation is to submit an invoice showing final payments received met or exceed the total claim amount. Therefore, the only way to show the insurance company one invoice amount and show you another is if your contractor prepares two invoices – this is insurance fraud.    

 One invoice will have the total cost of the project meeting or exceeding the total claim amount. Once the carrier issues the depreciation check and it is received by the homeowner, the contractor prepares a second invoice that reflects the cost of the job without the deductible cost for the homeowner; that is the fraud. Once you become a party to the fraud, you are as responsible as the perpetrator of it. Also, once the fraudulent invoice is sent to your insurance company via fax or email, it becomes wire fraud.    

So, the only thing a “free roof” costs you is the opportunity to be charged with insurance fraud and wire fraud. 


Under the Insurance Fraud Chapter (35) of the Texas Penal Code “Offenses Against Property”, if you are a party to the fraud listed above then, you have committed an offense under this section. Specifically, under 35.02, Section B, number 3 or 4:  

(3) A Class A misdemeanor if the value of the claim is $500 or more but less than $1,500.00; or  

(4)  A state jail felony if the value of the claim is $1,500.00 or more but less than $20,000.00.  

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What About Moral and Ethics Issues?

1. If the contractor is willing to lie to the insurance company in order to get a job, what makes you think they won’t lie to you?  

2. If all contractors in the area follow market costs for supplies and labor and your contractor is charging significantly less for the job then where is the discount coming from?  Shingles cost what shingles cost. And, regardless of what a contractor tells you, their overhead cannot save you $3,500 on a standard roof replacement. So, ask yourself, “What are they leaving out of the roof package to cut corners and save money?” Here are a few answers:  

a) Unqualified estimator making a measurement or calculation mistake? If that is the case, you can bet they will come back to you and the insurance company for the additional amount they missed. This is a tactic often used to secure a contract. And once the material is delivered to your home that contractor has lien rights!  

b) Substandard Materials.  

c) Day Labor. They are not roofers. They have not received the proper training. And, they might not even be allowed to work in this country legally. Most importantly – THEY DO NOT CARRY INSURANCE!!!!!  

d) No Insurance. Have your contractor provide you with a copy of their insurance coverage that includes your name and address as an Additionally Insured (AI). This will insure they have current coverage.  

The State of Texas has no requirement for a “roofing contractor”, which puts contractors in a position to self regulate. If the contractors who are supposed to be regulating themselves are willing to commit fraud (and allow their customers to unknowingly commit fraud), then you have selected the wrong contractor.