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Here are five tips to employ a roofing professional for an insurance claim for Roof Damage Insurance Claim

Dec 30

Resolving roof damage following a strong storm is stressful. Making contact with your insurance company and filing an insurance claim for roof damage is much more stressful.

You must find an experienced roofing company who can assist you through the process of filing an insurance claim. There are numerous roofing companies.

How do you locate a reliable roofing company to handle your roof damage insurance claim with all of the options? These five tips can help you find the right roofing contractor for your roof damage insurance claim.

The Select Adjusters team has been helping homeowners with their roofing insurance claims for over 10 years. We are now here to help you locate the right roofing contractor locally and public adjuster Arizona that can perform the same.

After reading this post, you'll have five tips to consider when hiring a roofing contractor for a roof damage insurance claim.

Only consider roofing contractors with a local address as well as telephone numbers

If you are looking for contractors to hire for your roof insurance claim for damage it is essential to choose a contractor which is in the area you live in.

A potential roofing company must possess a physical location within your local area, as well as a local number. This will ensure they are in the area to handle your claim and can assist you in case there's any issue in the roofing.

Making sure they're local is an essential aspect to consider in a roofing professional, but it's crucial when you're dealing with a roof damaged insurance claim. Storm chasers are likely to be in your neighborhood following the occurrence of a major storm.

These firms are from out of state and move in just after the storm. They will lower local roofing prices, get the money , then go to the next town that is damaged by the storm.

They don't care about local codes or whether they properly install your roof. They won't return your call after they've removed your home.

All roofers must be licensed, bonded and insured

If you're covered by roof damage insurance, every roofing contractor must be licensed and bonded, as well as insured. These three pieces ensure that the work is done properly.

It is vital to make sure that the roofing company that you're contemplating employing is licensed, bonded and insured within your state of residence. Find out if potential roofing contractors have documents to prove their credentials.

Here's a brief overview of each piece of paperwork and why it's crucial.

Legally Licensed

If a contractor wants to get a license the only thing they need to do is apply to the state's licensing board for contractors. The cost of the work will determine what licenses they'll require.

A home improvement licence is required for every job in excess of $3,000 as well as a general contractor's licence for any job that exceeds $25,000. General contractor's licenses are required for roofing contractors because roofing is a major investment.


Bonds ensure that, if an organization goes out of business during the course of work or if they encounter a problem with the job and they aren't able to resolve it, then the customer can depend on the bond company.

Being bonded means that the bonding company knows that a roofing contractor does business correctly and ethically. The bonding company puts up the bond since they believe that the contractor is doing the job in a professional manner.


Contractors must have complete coverage with workman's comp General liability, workman's comp, and insurance for company vehicles for all vehicles, owned or unowned.

The magnitude and nature of the contractor's work , as well as the general liability insurance limits they have determines the amount of workers' compensation and workman's compensation. If they're only doing smaller residential projects then their general liability may not be as large as a firm that handles larger jobs.

If a roofing company isn't licensed, bonded and insured in your state, don't even think about hiring them to handle your insurance claim for damage to your roof. If something goes wrong with the actual work, you'll have no recourse.

It's essential to employ an experienced roofing contractor with previous experience dealing with insurance claims for roof damage

While the two tips before this are important for all hires, this hiring tip is specifically important for roof damage insurance claims. You must hire a roofing contractor with experience handling insurance claims.

Hiring a roofing contractor who regularly works with insurance companies knows the process of submitting claims to insurance companies knowing how to read your claim, fill in any not covered, and do the work in compliance with the insurance company. They could also protect you from inadvertently committing insurance fraud.

If you've got an insurance policy known as a Replacement Cost Value policy or RCV, (your insurance company pays for the replacement of your roof), the work estimate might be less than what the insurance company is willing to pay. What you don't get doesn't go to your pocket.

To confirm that the items covered by the RCV policy are included in the contractor’s scope of work You will have to be able to provide proof of completion. If you ask for an estimate of the recoverable depreciation (the amount that an insurance company calculates a roofing has diminished over time) but don't have the job done then your insurance provider won't give the depreciation to you.

It is vital to locate a roofing contractor with prior experience in dealing with insurance claims. This will make sure you are able to have a positive experience during stressful times.

Locate a roofing company who stands behind their work

The roofing contractor you choose has the most impact on the quality of the roof replacement. This is why, regardless whether you're dealing with a roof repair insurance claim or retail project, you need to hire a roofing contractor that stands behind their work.

You should know the warranties a roofing company offers for their workmanship. They'll stand by their workmanship if they're proud in it.

But, the warranty for workmanship ranges in the range of one year, two years, three years, five years 10 years 25, or even an entire lifetime. A minimum of a 10 year warranty is required, but it's worth looking into warranties that include an equivalent or longer term warranty.

Every roofing company should give the customer a workmanship warranty. If a roofing company doesn't provide a warranty on their workmanship, don't even think about employing them to handle the roof damage insurance claim.

Check out the recent reviews of every possible roofing contractor

You have many options to find a dependable roofer, plumber, carpenter or other service provider in today's technological age. One of the best ways for homeowners to locate the best roofing service to make a roof damage insurance claim is to look at reviews.

When looking at reviews of any roofing company you're considering Make sure you're looking at the last 3 to 6 months. This will ensure you're getting the most recent homeowner reviews which are both good and bad.

Reviews can provide important details about whether a particular contractor can deliver high-quality work and how they deal with insurance claims. I'm not saying all the reviews you read are correct since some individuals choose to go one way or another.

If a business stands by its work, has a good relationship with customers and does things right, their reviews will show the same.

Get this checklist to inquire about roofing contractors who might be interested in the correct concerns.

With these 5 tips, you're now ready to begin looking for roofing contractors for your roofing damage insurance claims. These five tips are great, but you need to be sure to ask right questions.

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