Insurance Claim Process
If you need to file an insurance claim, we will be with you throughout the process.
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If your home or business in McAllen, Harlingen, Brownsville, Corpus Christi, or San Antonio has recently suffered storm-related damages, then we encourage you to contact us immediately to conduct a free estimate of your property. On top of performing the repairs you need, XYZ Roofing and Restorations can also help you with your insurance claim process.
The Insurance Process
1: Inspections
A member of our qualified Insurance Claim Team will thoroughly inspect your storm-damaged property. From there, we will provide you with a detailed report to submit to your insurer. For a list of contacts, please visit our Insurance Claim Resources page.
2: Meeting with an Adjuster
After we have evaluated the extent of your property damage, we will meet with your insurance adjuster to determine which course of action to take. You will more than likely have to pay out-of-pocket for your deductible.
Keep in mind that most discrepancies occur when an adjuster’s assessment does not match what was found by the contractor. Whether it is the roof, gutters, siding, or other feature that was damaged, we will work with the adjuster to finalize the cost of repairs and get your claim approved.
3. Insurance Payment
After an insurance adjuster has assessed the damages to your home or business, you should receive an insurance payment check approximately 10 days later. This check represents the actual cost for repairs or replacements, less depreciation, and your deductible.
The age and condition of the property will also be taken into account when calculating depreciation. This amount will be paid when work is completed, and an invoice will be sent to your insurer.
4: If You Have a Mortgage
If you have a mortgage on your home, the first check you will receive from your insurer should be made out to you and your mortgage company. This check, along with a claim package of your mortgage company, will be necessary to streamline the process. If you have any questions, please feel free to contact us for help.