Roofing and Insurance Claims

Navigating the Insurance Claim Process

1. File a claim with your insurance carrier

  • Contact the property claims department of your insurance carrier, either by phone or online. Describe the weather related event and answer all of their questions.
  • Be sure to let the representative know that Rocket Contracting assisted you with an inspection of your roof and found evidence of damage.
  • The representative will assign a claim number and a field claims adjuster to you.  It might take a few days to receive the name and contact information of your insurance adjuster.  When your adjuster calls to schedule the inspection of your home, be sure to ask for his/her direct contact number and let him/her know that Rocket Contracting will meet them onsite. 

2. Contact your Rocket Contracting Roofing Consultant, providing the claim information, your insurance field adjuster's name and contact information, and the date and time of the inspection.

  • We encourage you to have your Rocket Contracting Roofing Consultant attend the inspection and serve as your advocate.  Having your claims adjuster and your Rocket Contracting Roofing Consultant inspect the roof together not only helps establish the presence of damage, but also helps to accurately assess the extent of your damages and formulate a scope of repair.

3. Your Rocket Contracting Roofing Consultant will meet with the adjuster at your property to assist in their inspection and determine the overall scope of repair.

  • After the insurance adjuster assesses the extent of damages, he/she will provide a claim summary which details the scope of repairs or replacement.  It might be provided to you at the inspection or will go through an approval process with your insurance company, but it should not take more than 2 weeks to receive the claim summary.
  • Most insurance carriers use Xactimate pricing software to determine the fair market price of your roof replacement.  Rocket Contracting uses Xactimate to provide estimates as well, this way the pricing per unit should be the same as your insurance carrier.

4. The scope of repairs and pricing are decided between the insurance claim adjuster and Rocket Contracting.

  • When you receive the adjuster's claim summary, we'll compare it to our own to ensure that nothing was omitted from the scope of the project. If there is a difference between our estimate and the insurance company's, it will be on the scope of the project, not per unit pricing.
  • If there is a discrepancy between our assessment of the scope of the repairs needed to restore your home to its original condition, your Rocket Contracting Roofing Consultant will negotiate the difference with the insurance company on your behalf. Often times this is a simple process that can be taken care of with a phone call, or faxing/emailing them our estimate.  We are extremely familiar with what each insurance company is approving and we only submit supplements when it is needed to cover your damages.
  • You should receive the first check around the same time your claim summary arrives. The first check might seem small when compared to the full amount of the roof and this is due to your deductible and the depreciation.

5. Homeowners often choose the Replacement Cost Value (RCV) coverage policy over the Actual Cost Value (ACV) policy.  

  • If you have a RCV cost policy, Rocket Contracting will facilitate the recovery of the depreciation that is initially withheld by your insurance company.
  • It is important to note that the recovery of depreciation is done after the work has been completed.

6.  The deductible is withheld by the insurance company and will not be paid out to you.

  • The deductible is your co-pay, which you will pay to Rocket Contracting.

7. The full cost of your roof replacement is the total of your first insurance check, your deductible, the amount of depreciation, and any approved supplements.

8. The scope of work is scheduled and completed.

9. Your insurance company will receive final paperwork, then depreciation will be released. 

  • After your roof has been installed, Rocket Contracting will provide the necessary documentation to your insurance company, informing them that the work has been completed. 
  • Your insurance company will probably call you to confirm that the project is complete and will then release the last check to you.
  • If a supplement was negotiated, it's possible that it might be included in the final check with the depreciation.

Navigating the Insurance Claim Process to Replace Your Roof and Repair Your Home

Navigating the Insurance Claim Process to Replace Your Roof and Repair Your Home