Your Claims Adjuster & Contractor

Immediately after you contact your insurance company, start interviewing for your contractor. Worry about picking a good contractor and having a quality roof installed, not a contractor taking advantage of your insurance company.

After you’ve reported the claim, an adjuster will usually contact you in 2-5 days. If you have interior damage, be sure to notify them when they call. A thorough contractor will also help you inspect other exterior damage that may have occurred.

During a storm, adjusters are often very busy and prefer not to meet with you personally. However, since most hail claims are not black and white situations, it is important that you strive to have the adjuster see your home’s damage with you and/or your roofer there. If the claim is questionable, the adjuster will tend to lean in favor of the insurance company. Understandably, it is quicker and easier to decline a claim in writing than it is to see the damage and turn the claim down face to face.

When an adjuster meets with you they will first do a physical inspection of the damage and take pictures. Then an adjustment sheet indicating what was found and an estimate for the repairs or re-roof will be completed. Any discrepancies can be worked out between you, your contractor & the adjuster.

Denied Claim or Low Settlement
If your claim is denied or you feel you received a low settlement, call us. We know what your adjustment sheet should include and what the insurance company should pay for. Many customers believe it’s a conflict for the roofer to see what the insurance has paid, when in reality any good contractor knows exactly what the insurance should have paid. We can help evaluate the insurance adjustments and negotiate the best program for you.

Storm Chasers and Marketing Ploys
Many out-of-state roofing companies are well-designed storm chasers that will arrive in a matter of days to capitalize on the situation. Storm chasers are proficient at disguising themselves as local companies, so it is important to check them out carefully.

The Claim & Payment Process
Typically, you will receive approximately 50% of your claim monies within 10-15 days after the adjuster has visited your home. The checks you receive will often be made out to both you and your mortgage company. Therefore, you may need to contact your mortgage company when you receive your first check in order to get their endorsement.

1st Payment & Billing
Upon completion of your roof, we will invoice your insurance carrier for the balance due and process all other insurance and mortgage company requirements. We will collect your first check when the materials are delivered, or if you have deposited it, you can write Nations Roofing a personal check.

2nd Check Processing
When your insurance carrier receives our invoice, they may send their inspector out for verification purposes. You will then be issued a check for the final payment of your claim based on our invoice amount for the work performed, less the amount of your first check. We can then make arrangements to finalize your contract and issue your manufacturers’ and workmanship warranties.

Billing Policy
For your comfort, our policy is to receive our payments after you have received yours.