Insurance Information
ICONIC Roofing & Construction, LLC
Our team collaborates daily with major insurance companies.
Dealing with insurance claims can make homeowners feel overwhelmed and uncertain about the next steps. At Elevated Roofing, our mission is to offer support and guidance to help you navigate the process smoothly.
Our team works with major insurance companies daily and is prepared to assist you with every aspect of your roof insurance claim. We understand the complexities involved, and we are committed to providing you with the professional and informative service you deserve.
Get Assistance with Your Roof Insurance Claim
Unfortunately, insurance companies may not always want to cover damage or may only offer a small amount to fix the problem. This is where working with an experienced roofing contractor like Elevated Roofing can make all the difference. With our expertise, you can ensure that you’re getting the most out of your roof insurance claim. In fact, Elevated Roofing’s clients usually only pay for their deductible after hailstorms and receive new roofs, windows, gutters, fence stains, and more. Here are some of our biggest tips for making sure your roof insurance claim doesn’t go to waste.
1. Ensure You're Ready When Initiating Your Roof Insurance Claim.
When you call your insurance company, make sure to have a few items ready:
- Insurance policy number
- Date of loss
- Loss type
- Copy of your insurance policy
The Texas Department of Insurance advises that homeowners should have their roofing contractor accompany the insurance adjuster during the inspection of their property and roof in relation to the claim. Following severe storms, adjusters may experience high volumes of work and could potentially overlook significant details. Collaborating with your contractor ensures a comprehensive assessment and enhances the likelihood of a successful claim.
2. An adjuster's settlement is not necessarily the final word.
After the assessment is finished, the insurance adjuster will present the homeowners with a detailed plan for managing their claim. It is important to note that this plan does not constitute a final settlement; instead, it serves as a starting point for discussions regarding coverage and repair options.
If there is a significant difference between the estimate provided by your contractor and what your insurance has approved, it is crucial to take action. In such cases, you may need to submit a counterproposal or request a re-inspection of the damages.
This process ensures that all necessary repairs are accurately considered and included in your claim. Our team is here to assist you in gathering additional documentation and evidence to strengthen your case, enhancing your chances of receiving the repairs or replacement that you rightfully deserve.
By collaborating closely with our experts, you can navigate this process more effectively and work towards a resolution that meets your needs.
3. Lower prices don't always mean better quality.
When it comes to roof repairs or replacements, your insurance company might ask you to gather a few estimates. While it can be tempting to go with the lowest bid, it’s important to be cautious.
If an estimate sounds too good to be true, it often is! Lower prices might indicate that the contractor is cutting corners.
Choosing a low estimate could seem like a money-saver, but it might lead to bigger issues down the road due to poor workmanship. If that happens, you might end up footing the bill for repairs instead of your insurance company.
To avoid this, it’s a smart idea to go with a trusted roofing company that offers fair and reasonable prices. Your roof deserves the best!
View list of Trusted Insurance Carriers
Allied – 800-282-1446
Allstate – 800-54-STORM
American Family – 800-374-1111
Amica – 800-24-AMICA
Anpac – 800-333-2860
Auto Owners – 888-CLAIM-AO
Encompass – 800-588-7400
Farmers – 800-435-7764
Hartford – 800-243-5860
Liberty Mutual – 800-2CLAIMS
Nationwide – 800-421-3535
Safeco – 800-332-3226
State Farm – 800-SF-CLAIM
Travelers – 800-CLAIM33
USAA – 800-531-8222
Insurance Claim FAQs
Discover the key questions we often receive about roof insurance claims. If your question isn’t listed here, don’t hesitate to call our office—we’re ready to provide you with the answers you need.
If your insurance denies your roof claim, it can be very frustrating. Here are steps you can take:
If your roof insurance claim is denied, don't worry. Mistakes happen, and insurance companies may need more evidence to approve your claim. We can help by providing the necessary documentation to strengthen your case. Make sure you understand your policy details to better argue your claim with the insurance provider.
1. Review the denial letter: Understand why your claim was denied. The letter should explain the reasons clearly.
2. Gather your documents: Collect all relevant paperwork, such as your policy, photos of the damage, and any repair estimates.
3. Contact your insurance company: Reach out to discuss the denial and ask for clarification. Be polite but firm.
4. Appeal the decision: If you believe your claim is valid, you can ask your insurance company to review it again.
5. Seek help if needed: Consider talking to a public adjuster or an attorney if you need support in the appeal process.
Remember, you have options. Don't hesitate to pursue them.
What Types of Damage Are Considered Eligible for Roof Insurance Claims?
Typically, if an unexpected event leads to damage, it may be covered by insurance. Your policy could include coverage for hail, wind, leaks, storms, and various other types of damage. Since insurance companies and their policies can differ significantly, it’s important to review your policy to determine what is specifically covered.
Will insurance companies increase or cancel my policy if I file a roof claim?
Will My Claim Grant Me a New Roof or Roof Repair?
Deciding on the best approach really depends on how much damage there is, your insurance policy, and what a roofing contractor recommends. Hail damage often means a full roof replacement since it can affect different parts of your roof.
If your roof has taken a beating, going for a complete replacement is usually the best way to keep your home safe and secure. It’s a solid investment for peace of mind in the long run!
Are Roofing Companies Able to Waive Deductibles?
In Texas, it is important to remember that roofing companies cannot legally waive or cover your deductible. When a roofing company offers to do this, they risk committing insurance fraud. Your deductible is a responsibility that you should embrace.
While some contractors may ignore the law to attract more business, it’s essential to seek out reliable roofing professionals who understand the rules surrounding roof insurance claims in Texas. By choosing wisely, you empower yourself to work with those who will handle your claim correctly and with integrity.