Insurance Restoration Process: 6 Steps

No-stress restoration

Storm damage does not have to mean months of phone calls. Our six-step insurance restoration process takes a roof from the first inspection to the final warranty with one team accountable for every step. It starts with a free 30-point property inspection and a written report you can send to your carrier.

Step 1. 30-point property inspection

A Roofing Giant specialist inspects your house or commercial building to determine the extent of damage to the interior, attic, roof, decking, rain gutters and downspouts, fence, window screens, window beading and glass, garage doors and more. You receive a written report with photos that you can later submit to your insurance company as proof of hail damage. During the first visit we also explain the insurance industry’s standards so you can make informed decisions. We never force a sale; if we do not find substantial damage, you can rest assured your home is fine.

Step 2. Estimating and the insurance process

Filing the claim

When we verify hail damage we advise you to call your carrier to open a claim. We would gladly do it for you, but Texas law and carrier rules require the policyholder to file. What we can do is hand you the extensive property inspection report to forward, in print and as a digital copy, and remind you of one important request: ask your carrier to allow your contractor of choice to be present at the adjuster inspection. If necessary, and only at your request, we make temporary repairs and tarp the roof immediately to prevent further damage.

Meeting the insurance adjuster

After you file, an adjuster is assigned and scheduled to verify the damage and write an estimate. Your Roofing Specialist meets the adjuster as a courtesy. Our policy is to let the adjuster do the job and step in only when a significant mistake is being made. Field adjusters are often not authorised to include certain items, including work required by the local building code; those items go to a desk adjuster or manager for approval before we begin. Our assessment is always documented with photos and supported by the International Residential Code and the city’s adopted codes.

Step 3. Project review with the property owner

Once the carrier approves the claim we meet with you to go over the scope of work, brand and product selection, and the project management details. Your specialist collects the deductible, normally your only out-of-pocket expense.

Your only out-of-pocket cost on an approved claim is normally your deductible, typically 1 to 2 percent of the insured value of the home. Texas law requires you to pay it and does not allow a contractor to waive, absorb or rebate it. Use the deductible calculator to see what your policy would pay.

Step 4. Project planning

• Management review and project planning
• City permit
• Scheduling
• Material and job orders
• Material delivered the morning of installation, checked for the right products and colors
• Material drop check: the first insurance check is collected once materials are on site

Step 5. Project completion

Installation usually starts around 7 a.m. and takes one to two days depending on size and complexity. Gutters, window screens and other trades follow the roof. Your specialist and a project manager meet the crew on site to relay any special instructions, and our quality assurance manager and crew supervisor stay involved until the final inspection.

• Protect the property and cover the pool
• Remove old layers of roofing
• Inspect decking and replace damaged sheets
• Inspect and fix wall flashings
• Apply ice and water shield
• Install valley metal or ice and water shield in valleys
• Install synthetic underlayment
• Install new shingles, ridge and ventilation

When everything is complete you and your specialist go through the inspection checklist point by point. Our accounting team then invoices the carrier for the remainder owed; the final check typically arrives in two to four weeks. When it does, your specialist delivers the thank-you package, the written warranty and a lien release.

Step 6. Customer delight

Happy customers are our greatest reward. After storm damage is confirmed in the field, we use the best technology available in the office, including NOAA storm data, EagleView and iRoofing, so your roof replacement is delivered with the best practices, materials and labor on the market today.

Restoration questions