FAQ – Roof Restoration with Insurance

The first part of the roof restoration process is an inspection of the roof.  Our roof specialist will inspect your property to determine whether or not your claim needs to be filed.  As a General Contractor we are trained to know industry standards.  Upon roof inspection, we can determine if it is a roof replacement or a simple repair.

Once roof inspection is complete, our expert roofers will explain the findings and if there is enough damage to make a claim.  We will also review all steps of the roof restoration process and explain the form that allows us to go to work for you.  This form is called the “Subject To Agreement”.  As a home owner you are not under any obligation unless your claim is approved by the insurance company.  The “Subject To Agreement” also states that the only cost to you is the insurance deductible.  Expert Roofing Services requires that we have this approval signed before we proceed with the restoration process

Once your claim is filed, your Expert Roofing Supervisor will provide you a complete “scope of work”, that includes all items to be replaced and measurements of damaged area. Pricing is not discussed at this stage until we hear back from your insurance adjuster.

Your Expert Roofing Roof supervisor will meet with the adjuster and point out all the damages that were found on the roof and inside the house.  Once we complete the assessment with the insurance adjuster, we will generate an itemized pricing of the project.  This will process will give you as the property owner peace of mind.

There are two main deductions from an adjusters estimate of what your roof will cost. The first is your deductible. The second is the Depreciation.

It is always your deductible plus upgrades if any.

RCV stands for Replacement Cost Value. ACV is the Actual Cost Value.

For example, assume a roof in year 10 of an expected 20-year life is totaled by a storm.

The cost to replace the roof is $10,000 Then RCV would be 10,000 and the ACV would be $5,000.

The difference between the two, $5,000, is the depreciation which is additional funds you will receive.

Generally, depreciation is paid after you submit a final invoice.

Crew supervisor and project manager will meet with the property owner to go over the construction check list.  They will also go over the detailed approved insurance claim, special attention areas, such as leaks, material and color selection and final safety tips.

Beginning of the project, the crew will protect the property for safety and damages.  A crew supervisor will meet with property owner for any final concerns that they may have and explain the day to day work process.

The supervisor and his crew are on the site, covering the landscape, preparing property for material arrival.  Safety is our highest concern so the property and the roof are inspected and hazardous material removed or identified during this process.

Next step is to strip the old roof, clean the area and inspect the deck making sure that the surface is solid, in case not address the surface issue with the insurance company for a supplement coverage.  Once material is on site installation starts with the underlayment and then top payer of tiles or shingles. End of each day of construction, we will perform a complete site cleanup.

After the completion of each process our crew supervisor, will go over the inspection list with the property owner making sure that he is completely satisfied with every aspect of the work and nothing has been overlooked.  Once checklist is approved, a final acceptance certificate is signed as final completion of the project.

Once project is complete the insurance company will release the final payment.  After final payment has been released to our office, our customer service will provide you with our workmanship warranty.