How and When to File a Claim

STEP 1: Choose a Professional Roofing Contractor

The roofing contractor will examine, analyze and document all damages to your property. After the inspection, the contractor will determine whether it is advisable to make a claim.

STEP 2: Making a Claim

Contact your insurance company through their claims department. Inform them that your property has sustained damage and give them the type of damage (hail, wind, etc.) and the DATE OF LOSS. At this time, let them know that a professional Denver roofing contractor has examined the property and who that contractor is. Your insurance company will give you a claim number at this time, write this number down and provide it to your contractor for reference.

STEP 3: Insurance Adjuster Meeting

An insurance adjuster will contact you within 48 hours of making a claim to schedule an appointment at your property. Inform them of the contractor you have selected and that you would like them to be present for the inspection. The contractor will discuss damages and scope of work with the insurance adjuster. This includes all measurements, pricing and any code upgrade requirements necessary to bring your property back to it’s original condition before the storm.

STEP 4: Insurance Summary

The insurance company will send you a loss summary report containing the list of damages and the proceeds associated. Along with the summary will be your first installment called ACV (actual cash value payment). It is important to review this with your contractor to insure that it’s complete and accurate. At this time, you will determine repairs to be made and products to be installed.

STEP 5: Construction Process

Please refer to our insert about the building process, provided in this information folder. Should you have any questions ask your contractor.

STEP 6: Insurance Claim Completion

Once your project has been completed the roofing contractor will send a final invoice and satisfaction of completion along with any supplements to the insurance company. This will release any remaining funds being withheld. This is called recoverable depreciation.

STEP 7: Final Payment And Warranty Information

Upon receipt of final installment, your contractor will provide you with warranty information for products used. Certificates for the workmanship warranty and a lien waiver will also be issued.