What do I do if I want to file an insurance claim for Storm Damage?

Proving an insurance loss is the responsibility of the insured. It is critical many times to contract with a roofing professional prior to an insurance adjuster evaluating the roof. The insurance company adjuster is not required to find damage, just because you experienced hail or wind or your neighbor experienced storm damage.

An Insurance Restoration Specialists from Gulf States Roofing will meet with your insurance adjuster on the roof and identify all storm damage in order to assure the most favorable decision. There is no cost for this service as long as you have signed a contract with Gulf States Roofing contingent on Gulf States Roofing getting the insurance company to pay for your new roof. Contracting for insurance proceeds allows us to offer our professional expertise at no additional cost.

Gulf States Roofing understands the entire insurance process and is willing to assist you in dealing with the details of your claim. Gulf States Roofing will complete the paperwork for recoverable depreciation, obtain endorsements from mortgage companies on insurance proceeds checks, file supplemental claims when necessary, and most importantly, wait for the insurance company payment.

What is my cost for an insurance loss?

With an insured loss, the insurance company will pay up to their settlement figure as long as you provide an invoice under the company’s guidelines. If you choose a company that gives you a low estimate and provides standard work, the insurance company will pay only the amount of the low estimate. If you choose a quality-conscience company that will provide the best roof using quality materials, and up-to-date roof accessories, the insurance company will pay their final bill, as long as it does not exceed the adjuster’s estimate. In other words, whether you get a cheap roof or a roof with all of the accessories by a quality company, your cost is only your deductible.

What if I find a bid lower than what State Roofing Company provided?

Make sure you are getting fair and responsible pricing. As we all know, there is always someone who will do it cheaper. Gulf States Roofing does continuous cost information sharing with the insurance companies and is always aware of current pricing. Insurance companies do continuous research in the ever-changing costs for repair and replacement in order to pay the lowest and fairest cost to their insured. The insurance company expects you to use a professional quality contractor that can do replacement work in a timely manner, pay all bills promptly to avoid material and mechanic liens, provide quality communication and service during the process, and ultimately warrant all work. Insurance proceeds typically provide sufficient compensation for a professionally managed contractor to provide proper service to its clients.

Do you require money up front to start the work?

There are no deposits required when Gulf States Roofing works for insurance proceeds. Once a roof is substantially complete, a payment equal to the actual cash value and deductible is due. Final payment is not due until all insurance proceeds have been received by you. If you have signed a cash contract, no payments are due until the work is complete.

All payments are subject to your contract terms.

IF I SUSPECT ROOF DAMAGE, WHO SHOULD I CONTACT FIRST?

If you suspect roof damage after a storm, you should contact Gulf States Roofing first. Our team will assess the damage, verify it was caused by a storm and help you file an insurance claim. Afterward you should contact your insurance company, with the peace of mind knowing that you have already selected a reputable roofer.