Frequently Asked Questions
Get quick answers to common questions about our roofing services, processes, and what sets us apart in the industry. We've answered as many frequently asked questions below as possible. If you don't see your question answered, please contact us.
Please visit https://roofclaim.com/pay-online/. We accept credit card and ACH payments at this time.
A lien is a legal claim on a property. Liens authorize an organization to take the property or take legal action to satisfy debts and obligations. If you do not make payments, the organization or individual can repossess or seize the property under the lien. Failure to complete payment for your roof replacement will result in RoofClaim filing a lien. RoofClaim will follow the lien laws specific to the roof installation address.
You should call your mortgage company and inform them that you are sending in a check for endorsement. They will then provide you the address of where to mail the check and if any documents are required. RoofClaim will assist you along in this process by scheduling a check pick up, or overnight the check to the mortgage company via FedEx . sRoofClaim will also call the mortgage company throughout this process to make sure everything is going smoothly and will call you to provide you with updates. There are also a few questions you should ask when advising the mortgage company you are sending in a check for endorsement: Does the check need to be endorsed before mailing it in? What documents are required? What is the overnight address? Will an inspection be needed?
First, our field agents will conduct a thorough inspection of your roof to determine if there is storm damage. Once this is confirmed, RoofClaim will determine whether a claim is necessary or not. A roof inspection will take place with a field inspector from your insurance company, then they agree upon an estimate. After the insurance claim has been filed and approved, the roof replacement process will begin. To view more details about the RoofClaim claims process, click here.
ACV (Actual Cash Value)- the 1st check received from the insurance company. This is calculated as the RCV (Replacement Cost Value) minus depreciation. RCV (Replacement Cost Value) - the total cost (including tax, profit and overhead) to replace all the damage related to a claim. Depreciation- the 2nd check received from the insurance company. It is received after the roof installation. Depreciation is the decrease in property value due to age, wear and tear, etc. Change Order/Supplement- a 3rd check covering the expenses incurred during the roof replacement process that were not included in the initial the insurance company's estimate. *If applicable, the mortgage company will be included on all checks*
An insurance deductible is a specified amount of money that the insured must pay before the insurance company will pay the claim. This is the customer's out-of-pocket responsibility. Example: There is $10,000 total worth of damages to your roof. Your deductible is $2,000. You are responsible for paying $2,000 out of pocket. The insurance company will cover the remaining $8,000; but only after you have paid your $2,000 deductible. A deductible can be either a specific dollar amount or a percentage of the total amount of insurance on a policy. The amount is established by the terms of your coverage and can be found on the declarations page of your homeowners policy.
At RoofClaim, the deductible and any other out-of-pocket expenses are due on the day of install.
You will receive your refund 10 business days after your roof replacement is paid in full. The check will be mailed to you from the corporate office in Atlanta, Georgia.
RoofClaim's expertise and priority is in replacing your roof. We are not responsible to fix or complete repairs for any interior damage done to your home or personal belongings. You will be refunded any overages 10 business days after the roof replacement is paid in full.
Checks will be made out to roofclaim.com , the homeowner, and the mortgage company. If made payable to Jasper, no change is required. We will still be able to process the check.
The person buying the insurance policy usually makes the decision of how much the deductible is by selecting from a pre-set list of deductible prices determined by your insurance company. The higher the amount of the deductible, the lower the monthly cost of your premium. Speak with your insurance agent about which plan or coverage would best suit your needs.
When your mortgage company is listed as a payee on the check, they will also have to endorse the check before it is given to the contractor for payment. All payees listed on a check must sign before the payment is considered bankable.