The Insurance Claim Process

The Insurance Claims Process

When a disaster strikes your home, your insurance is just one of many things on your mind. Turn to Total Roof and Construction. We’re an all-in-one solution for roofing insurance claims and roof repairs in Chicago and northwest Illinois. Whatever types of roof damage you’re facing, our team of experts can communicate with the insurance company as we work with you to find the right solution.

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What to Do When Your Roof Is Damaged

The first step when you have roof damage is to assess the extent of the problem. Use a pair of binoculars to look at worn areas and document any visible damage. You can then contact your homeowners insurance provider to walk through the claims process.

Most insurance companies will estimate their payout based on three factors:

  • Actual cash value (ACV): This calculation focuses on the value of your roof at the present time based on its depreciation, or loss in monetary value, over time.
  • Replacement cost value (RCV): In this policy, the insurance company pays to replace your roof by giving you a check for the ACV of the roof and holding back the amount it has depreciated.
  • Recoverable depreciation: Recoverable depreciation is the check that the insurance company will send once you have proof that your contractor has completed the work.
    To complete the next steps, you’ll need a roofing contractor with experience in dealing with insurance companies.

Trust TRC to Work With Your Insurance

TRC has been walking with families like yours to receive the most value for roofs since 1986. The next step in the insurance process is to have your insurance claim supplemented by your contractor.

This part of the process is vital to receiving a payout for the entire cost of repairing your roof. It’s key that you have a roofing contractor who understands how to supplement claims and has experience in this area. On average, half of roof-related insurance claims need supplementation. In other words, the insurance company doesn’t consider all the potential expenses like code upgrades for local government and extra supplies your contractor may need. It’s the contractor’s job to document and submit this information so you don’t have to pay out of pocket.

TRC has a team of insurance experts who understand how to document and submit this paperwork so you can receive the maximum payout for home insurance roof replacement.

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Contact Us and Schedule a Free Consultation for Roof Repairs

TRC has built a legacy in the Chicagoland and northwest Indiana communities for decades. Our team of professionals can construct your roof quickly and efficiently while working with your insurance to help you get the payout you deserve.

Ready to take the next step? Reach out to our office by phone at 708-201-7550 or schedule an appointment online for a free home inspection so we can check the status of your roof.

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