Once the insurance adjuster assesses the extent of damages, he or she will generate a claim summary detailing the scope of repairs or replacement. Depending on the schedule, seniority and authority of the field adjuster, this claim summary may be provided to you at the initial meeting or will go through a submission and approval process. It should not take more than two weeks to obtain the claim summary. They are often uploaded digitally into an online account you set up or mailed to your address on file. It is a good idea to confirm your mailing address with the adjuster to avoid delays in receiving this important document.
Most insurance carriers use Xactimate pricing software to determine the fair market price of your roof replacement. To simplify matters, we also use Xactimate to generate our estimate for your project, so the pricing per unit should be the same as your insurance carrier. When you receive the adjuster’s claim summary we will compare it to our own to make sure nothing has been omitted from the scope of the project. If there is a difference in our estimate and that of the insurance company’s estimate, it will be solely on the scope of the project, not per unit pricing.
In the event that there is a discrepancy between our assessment of the scope of the repairs needed to restore your home to pre-storm condition and their assessment of the same, our insurance liaison will negotiate the difference with the insurance company on your behalf. (You will not need a crash course in roofing components and measurements to try to explain why omitted key items are necessary in the replacement of your roof.) In most cases this will be a simple process of faxing or emailing them our estimate and calling them to discuss the differences. We are very familiar with what each insurance company is currently approving and do not submit frivolous supplements that delay your new roof installation. That would be a disservice to all parties.
That being said, certain insurance companies are less willing to fund key components of your new roof. A quick phone call from you may be helpful. If that happens, we will discuss our options and develop the best plan of action for your claim situation. Once the negotiation process has been completed, the insurance company will release a supplemental check to cover the additional amount that was determined through negotiations with the insurance representative.
Occasionally a fair settlement is not able to be reached through negotiations. In this case, insurance appraisal is an option.