Roof Damage Insurance Claim Guide

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Enjoy A Smooth & Easy Insurance Claim Experience

Our clients can rest assured, as we make sure that their roof repairs are covered by insurance. We’re experts in this area, so you won’t be disappointed. Give a read to the guide below to become familiar with how we deal with the insurance claim process. Get in touch with us today.

First, Determine Your Insurance Type Based On The Policy.

Usually, there are two types of roof insurance policies, i.e. Replacement Cost Value or RCV and Actual Cash Value or ACV. Most of the insurance policies are of RCV nature, still, it is essential to confirm which one is applicable for your claim.

RCV

RCV

This insurance policy covers the cost of the entire house.

ACV

ACV

The cost depends on the value of house current condition.

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A Boston Roofing Company with over 30 years of experience

We’ve been serving the Greater Boston area for over 3 decades with our expertise in:

  • Roof replacements & repairs
  • Siding replacements & repairs

Before Starting The Claim Process, Get A Roof Inspection

The first step towards starting a claim is to contact the insurance company. Make them know that you are filing a claim for roof replacement or repair.

Get Paperwork

Get Paperwork

The insurance papers will be sent to you in the time of 5-10 business days. If you want to speed up the process, ask them for an electric version for the claim.

Communicate with Roof Repair Team

Communicate with Roof Repair Team

After receiving the paperwork, contact our team. Make sure to get the paperwork ready for our representative of the roof repair team.

Review of Claim

Review of Claim

We will assess the claim carefully to get you a fair deal. All your contractual agreements will be reviewed to ensure everything is covered.

Calculate the Deductible

Calculate the Deductible

We make sure our clients are only responsible for the deductible amount. The rest will be covered by the insurance company for the roof replacement.

Starting Roof Services

Starting Roof Services

After the details are sought out, we will schedule a date for roof replacement. We will deliver the material to the house before starting the job and will quickly complete the work.

Last Payment

Last Payment

You can pay the final payment, once the work is completed and you are satisfied with it.

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“If I could give Melo Construction (10) Stars, I would.This contractor is honest and reliable.His prices are very reasonable compared to other quotes I received from other roofing contractors.I had them replace (3) roofs.They did an outstanding job!!Nick Melo is professional and pleasant.He is very responsive and answered all of my questions.My husband and I are very happy with the work his team did.I would highly recommend Melo’s Construction for your roof repairs or replacement.”

Betta L.
    Betta L.

    Boxford, MA

    Get Started

    Book a FREE roof inspection today by calling 24/7

    Get Your Roof On

    We’re on call to quickly fix any damage caused by hurricanes, heavy rain, flash floods, and hailstorms.

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    FAQs

    About Insurance Claim

    Step 1 – Call the insurance company to let them know about filing a claim for roof repairs or replacement.
    Step 2 – If your insurance company asks for a reason to claim, let them know you had a roof inspection and have a detailed report on it.
    Step 3 – They will assign you a claim number, and will tell you to wait for their field insurance adjuster.
    Step 4 – Then the adjuster will contact you to book an appointment.
    Step 5 – Share those details with us and let our representative meet him on your behalf to discuss details. We make sure you get a fair assessment.

    The percentage of deductible highly depends on the value of your house. It usually is 2% for storms like a hurricane, while 1% is set for the damages caused by wind or hail. The deductible is the only amount homeowner has to pay out of their pocket. To determine your deductible, carefully review your insurance policy.

    No, if a claim is made for storm damages, each insurance company knows they are uncontrollable, so you won’t have to worry about premium rates. Furthermore, these rates increase on a collective basis for a whole area rather than individually.

    Call us at (978) 375 1958 to find out how we can help with an insurance claim.

    Get your Roofing Project Started Today!

    Talk To Our Team For Expert Advice

    978-375-1958