Insurance Claims

Insurance Claims

We know the exterior of our homes are vulnerable to the weather. So, if you live in an area where storms are frequent, like Texas, you should have proper insurance on your home. Read your policy, know your deductible and limitations of your policy, and then choose a contractor familiar with insurance company policies. Beinert Roofing’s entire staff is trained with storm damage insurance claims, and we will provide you with the best representation and assistance possible.

Beinert Roofing & Restoration is fully qualified to work with insurance companies to satisfy storm claims for damages. We are familiar with Homeowner’s policies and damages caused by hail, wind and hurricanes, and the regulations each insurance carrier has for a roof to be totaled and, therefore, replaced. We have worked for years with various insurance adjustors, and have established a good working relationship with them. We can assist you in the sometimes complicated claim process ensuring you get the most money possible and that every area of your roof has been surveyed accurately.

If you roof is damaged from a storm, you first step is to call your insurance company and make a claim. It is important to tell your agent if any repairs need to be made immediately, i.e. if your roof is leaking, therefore avoiding further damage to the interior of your home. Your next step would be to call a trusted roofing contractor to inspect your roof and tell you how much damage has occurred. We will make a diagram of your roofing project and take pictures, if necessary, of said damage including all roofing accessories, such as vents, ventilation systems, flashing, turtle backs, pipes, gutters, soffits, fascia and wood decking underlay. Your insurance company will contact you and advise you when they will be sending out their insurance adjuster. We will meet with your insurance adjuster at your home at no charge to you, as long as you have signed a contingent contract with Beinert Roofing – contingent on Beinert Roofing getting the insurance company to pay for your new roof; and review and point out the damages we documented upon our inspection.

Once the insurance adjuster assesses the extent of damages, he or she will provide you a claim summary detailing the scope of repairs or replacement. This will list all that will be covered under your insurance policy. When you receive the adjuster’s claim summary, we will compare it to our own. If something has been omitted by the adjuster, we will file what is called a supplemental claim to see if that will be covered by them. Occasionally, when making repairs to a storm damaged home, other necessary repairs, additional work and their associated expenses can arise after the work has begun. Beinert Roofing would then contact the insurance company adjuster with an additional supplemental claim.

Our contract price will be equal to the money allowed by the insurance company with the exclusion of your deductible and any supplemental claims made that are not covered by the insurance company. There are no deposits required when Beinert Roofing works for insurance proceeds. You should receive your first check from the insurance company in about a week. This check could be made out to you and your mortgage company, and if so, should be sent to your mortgage company for endorsement (we can assist you with this process). If a supplemental check is issued, it too may have the mortgage company listed on it and the same procedure would have to be followed. The initial check may seem small compared to the full amount of the roof. There are two reasons for this; one your deductible and two the depreciation. Most homeowners choose the Replacement Cost coverage type of policy over the Actual Cost Value Policy. If you have a replacement cost policy, we will recover (and receive) the depreciation withheld by the insurance company after the work has been completed and our final invoice has been sent to them. The deductible is the portion withheld by the insurance company that will not be paid out to you at any time. The deductible is your co-pay which you will pay directly to Beinert Roofing. This amount may be paid with a personal check or on a credit card which would add an additional 4% to the amount. The full cost of the roof replacement is the sum of the first insurance check, your deductible, the amount of depreciation and any supplements. By relying on a knowledgeable contractor, such as Beinert Roofing, you will know your roof is in the best hands possible.