Understanding Your Insurance Claim Helps You Choose the Right Contractor

If you contacted your insurance company after severe weather damage from hail, wind or worse, they probably instructed you to contact a roofing contractor. That’s where we come in. We will schedule a time for an inspection of your roof and then provide a proposal if repairs are necessary. Our Sales Representatives will work with your insurance company to ensure that you receive a fair settlement.

Frequently asked questions regarding insurance claims:

Your insurance covers three main areas:

  1. It will indicate all of the areas on your home that were damaged in the storm and pricing for replacement of the same.
  2. It will indicate your deductible amount (the portion of the claim you will pay).
  3. It will indicate depreciation which can, in most instances, be recovered by you upon completion of your work.

No. By Colorado law a roofing company cannot pay your insurance deductible.

Never sign a roofing proposal based on price alone. Do your research first! Using a professional roofing contractor with a spotless record is the most important factor when signing a proposal.

Storms are sporadic. No area of a storm will have the exact same amount of hail stones or lightning strikes as another area, even if it’s across the street. Therefore, no two houses receive the same amount of damage from a storm. Your Sales Representative from Academy Roofing is your ethical advocate and will look out for your best interests.

Your insurance settlement and payment is based on your policy provisions, terms and coverage. You should discuss this with your insurance agent. Every policy is different.

Yes. Your deductible will be deducted from the checks you receive from your insurance company. You are responsible for paying your deductible to your roofing contractor.

Sometimes you can receive a joint check made out to you and your home mortgage company. Your mortgage company holds the deed to your property and has an interest in ensuring that all major repairs are completed. Contact your mortgage company to see what paperwork must be completed in order for them to endorse your check(s). It is recommended that you contact your mortgage company as soon as you receive your insurance paperwork.