Step 1SCHEDULE AN INSPECTIONContact us for a free damage evaluation by one of our experienced project managers. The manager will answer your questions and assist you in starting the insurance roof claims process if it is needed.
Step 2SUBMIT YOUR CLAIM TO THE INSURANCE COMPANYYou need to call your insurance agent to report your damage. Have your policy number ready as well as the date the damage occurred (i.e. date of storm). Your insurance carrier will assign a claim number along with the name and phone number of the adjuster assigned to your claim. This claim number will be vital for all future contact with your insurance company during your restoration project.
Step 3MEET WITH INSURANCE ADJUSTERThe adjuster will contact you to schedule an appointment to assess your damage. Call our office or your project manager immediately and give us the date and time the adjuster will be there and one of our project managers will meet with the adjuster. Our project manager will be representing you and your interests to help determine the scope of the repairs to your home.
Step 4REVIEW CLAIM/LOSS SUMMARY REPORTThe insurance company will send you a “loss summary report” which gives an itemized estimate of the repairs the adjuster noted while at your home. In addition, you will receive your first check to initiate the start of your repairs. Your first check will serve as your deposit to get your job scheduled and materials ordered. If your mortgage company is added as a payee on the check, it will need to be sent to the mortgage company for endorsement at this time. MD Roofing can also help with this process. At this time, our project manager will meet with you to go over the loss summary report to ensure all of the damage is included in the report. If any damage is found to be excluded, your MD Roofing project manager will contact your insurance company on your behalf and file a supplement for the missing items.
Step 5CONTRACT SIGNINGOnce all items have been agreed upon between the insurance company and contractor, you will then need to authorize the repairs to your home by signing a contract with MD Roofing. This is typically the time when you will choose your shingle color and any additional items needed with your project manager to be noted on your contract.
Step 6COMPLETION OF WORKMD Roofing will submit to your insurance company for the depreciated amount (if applicable) withheld from the first check. MD Roofing along with your help will continue to follow-up with your insurance company ensuring the payment is issued to you. Once the payment has been issued. Final payment is due to MD Roofing upon receipt of insurance check. If your mortgage company is added as a payee on the check, it will need to be sent to the mortgage company for endorsement at this time.
Not all insurance policies will be replacement cost value (RCV). In some cases you may have an actual cash value (ACV) policy. Please check with your insurance agent to determine what type of policy you have. This will determine the amount of money you will receive for your storm damage loss.