Home owners pay insurance their entire lives. When it is time for you to make a claim, it should be expected that your insurance company has your best interest at heart. However, adjusters often come from all over the country. They most often not a part of our community. It is up to us as your roofer to advocate on your behalf on the roof with the adjuster, so you get everything you deserve. We are certified by all of the major manufacturers. Roofers are not required to be state licensed, but we are. We have the education and knowledge to get on the roof with your adjuster and make sure he/she covers what is rightly due to you.
Many roofing companies make their salespeople take classes that teach salesman how to up-charge homeowners more than the insurance companies are willing to pay. We do not ever practice this unethical sales tactic. However it is very common. We work within the insurance estimate to get you the very best roof possible for the price the insurance company is willing to pay. We most often upgrade three tab shingles to architectural shingles at no additional cost. We never install the very cheap 15# felt that insurance companies are only willing to pay for. At no additional charge we install Summit 60 Waterproof Underlayment, so you get an extended warranty and a better roof at no additional charge. When we say we install the best roof in town at a fair price, we truly do.
Three estimates, heck no!
Often, your insurance company will ask you to get three estimates. This is the worst thing you can do and a waste of your time. Major insurance companies that receive three estimates from you will pay the lower estimate. Anytime that you provide a lower invoice to the insurance company than what their insurance adjuster quoted, they will pay only the lowest amount. Upgrading your shingles and upgrading your underlayment is possible because the insurance companies will pay a higher price than most of any three estimates you may get. You cannot keep the difference. There is zero benefit to you getting a cheaper roof when the insurance company is willing to pay for it.
Can I profit from my insurance company?
Pre-recession Insurance companies often paid one check up front when the adjuster did the estimate for storm damage. Many homeowners that were in bankruptcy and\or foreclosure cashed those checks or use those checks to make mortgage payments. Often after a foreclosure the mortgage company would find storm damage from their inspector. The problem was that insurance companies already paid out on that roof even though the mortgage company was listed as insured. Insurance policies changed after the recession. Homeowners get one check to get the roofer started. The first check is a depreciated check.
What is depreciation? Is it recoverable or non-recoverable? How do I get that money to my roofer?
On your insurance estimate, you will see that the check you receive is less than the estimate. Your roof has either recoverable depreciation or non-recoverable depreciation. The better insurance policy has recoverable depreciation. Once the roof is completely finished, we will send pictures, we will invoice the insurance company. Exactly what they approve plus code upgrades and provide an affidavit of completion. Once the insurance company has received all three of these things, they will send the homeowner the additional recoverable depreciation to pay the roofer.
Some policies have what is called non-recoverable depreciation. That homeowner will receive the estimated amount from the insurance company minus the non-recoverable depreciation and minus their deductible. This is makes it difficult for some homeowners. I don’t like these policies.
Why is my invoice more that the insurance approved amount? “CODE UPGRADES”
Insurance companies often do not put code upgrades in their estimate. The State Insurance Commissioner of Georgia requires flashing called drip-edge to be installed around the perimeter of your home. This more often than not is not part of your insurance estimate. However, they will pay it. Also many insurance companies do not put valley metal in their estimate. If you have valley metal in your home, the insurance company will pay approximately $4.45 per foot outside of the insurance estimate to have that installed. We will bill your Insurance company for these code upgrades that are required. If for some reason they refused to pay something, we will not charge you.
Are all insurance companies equal?
We have found that State Farm, Auto Owners, Travelers , USAA, Encompass, Georgia Farm Bureau, Assurant, Progressive, Liberty Mutual, Safeco send real adjusters out that make a decision. These are the best.
(If you want your name on this list, call Wes at 706-215-0062 to see if you qualify)
If a company isn’t on this list, you may have had a successful, claim already and we can help you. We can work with any insurance company.
To set up a free roof inspection or schedule an appointment for an already approved roof, click here