We help our clients relieve stress and save money by navigating the insurance process with them from beginning to end while also providing the resources needed to make educated decisions.
Eliminate confusion when working with insurance loss and contracting a new roof installation. Defender Roofing provides step-by-step assistance so our clients can be confident and swift in their roof restoration including:
Guidance on the Insurance Process
Professional Contractor Expertise
Established Relationships with Insurance Adjusters
Additional Resources & Knowledge
5 year and 10 year expressed workmanship warranties
Manufacturer’s warranty on materials
Trusted expertise local to South Texas
Written work orders on material and labor specifications
Certified contractors trained to meet manufacturer specifications
Insurance billing, invoicing, and endorsements from start to finish
Final payment postponed until end of installation
Insured with general liability and worker’s compensation
At Defender Roofing, we specialize in helping our customers through the insurance process so that they can get the most out of their claim. Our step-by-step guide will show you how we can help you.
For storm-related damage, have your roof examined by a professional contractor.
Contact your insurance claims department if you have any damage and file a claim, requesting that an insurance adjuster come to your home.
Although Texas insurance laws state a contractor can't represent you in your insurance claim, we can still meet with your insurance adjuster to assess the damage and ensure all damaged goods are accounted for during inspection. Let us know when your meeting is.
After fair market value is determined (includes cost of labor, materials, and transportation), we'll complete a property loss worksheet for the amount the insurance company allows and process all checks requiring your mortgage company's endorsements.
After your insurance adjuster has assessed the damage, you'll be given a list of the damaged items. Once you've received this paperwork, contact us to double-check that everything has been covered and that you're receiving market value pricing.
After your claim's total value is determined, we schedule a meeting to sign your replacement contract and finish selecting your materials. All out-of-pocket expenses are specified so you have complete transparency of costs prior to signing.
We guarantee that your roof system will be installed per the manufacturer's specifications and in a timely manner. With our insured team of professionals, you can rest assured that your home or business is in good hands.
Once the installation is finished, your ACV and deductible are due. We'll send a final invoice to your insurance company so you can get your recoverable depreciation and any extra funds (if any) back from them. Once received, contact us to collect your final payment. Upon finalizing payment, your warranty processing will be sent.
Having more insight into the effects of storm damage can aid in your conversations with insurance adjustors.
The granular surface of a composition shingle's protective coating is what protects its underlying asphalt. When hail (3/4″ to 2″ in diameter) strikes a composition shingle, it destroys the protective layer as well as the asphalt coat and fiberglass mat in some cases. Metal accessories are dented, wood shingles and wood shakes are punctured, and skylights, A/C vents, siding, gutters, downspouts, windows, window beads, and screens are all susceptible to damage.
A seal tab is used to attach asphalt shingles. During strong winds, this tab might break. Shingles may be damaged, displaced seal tabs and gouges in the roof surface caused by flying debris. If any of these wind effects have occurred, you may be entitled to a full new roof replacement.
The insured is responsible for proving a loss. It's critical to hire a roofing contractor before an insurance adjuster examines the roof, especially in the case of hail damage. The insurance company adjuster is not required to find damage; all he or she needs to do is evaluate the condition of the property and determine whether it qualifies for coverage under your policy terms.
We'll be there for you from start to finish. Defender will meet with your insurance adjuster on the roof to identify all storm damage and seek the most favorable decision possible. We know what goes into an insurance claim, and we're here to help you with the details of your claim. We'll fill out paperwork for recoverable depreciation, get endorsements from mortgage lenders on insurance payments checks, file supplemental claims as needed, and — most importantly — wait for the insurance company's payment.
If your property has been damaged, it must be repaired using the same materials and quality as those used previously. It is required and expected by your insurance carrier and mortgagor, if applicable. To define the scope of work covered by the insurance claim, we utilized the insurance adjustment. The scope of the project is defined by the insurance settlement and contract. It's critical to understand exactly what will be done and how much it will cost before having work done on your home.
Frequently, when homeowners start to repair their homes after storm damage, they realize that there are other necessary repairs that need to be made. In most cases, if you're working with insurance proceeds, we can contact the insurance company adjuster for supplemental claims. With this process, your out-of-pocket expense usually never changes.
If the insurance company pays out a claim, they will pay up to the settlement amount, as long as you provide an invoice in accordance with the policy. The insurance provider will only pay what was mentioned in the low bid if you choose a business that offers typical labor and services.
The insurance company will pay its final bill if you get a high-quality business that uses good materials and current roof attachments, as long as the adjuster's prediction isn't exceeded. To put it another way, whether you choose a low-cost or high-end roof, your price is simply your deductible.
Recoverable depreciation is the amount deducted by the insurance company until the work is completed. An invoice is sent to the insurance company once the job is done so that recoverable depreciation may be reimbursed to policyholders.
As a result of this, recoverable depreciation is only calculated up to the real amount of the contractor's invoice. Why give up having a competent, ethical, and professional contractor who will be there when you need him in order to save a few dollars for the insurance provider?
Very helpful and knowledgeable with my full roof replacement. Best contractor I have ever done business with.
