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.
Field Adjuster - field adjusters will come to your home to inspect the properties for which claims have been filed. Desk Adjuster - desk adjusters receive the reports sent in by the field adjusters and make a determination regarding the claim.
In the state of Florida, licensed public adjusters cannot enter into a contract to do both public adjusting and construction work for the same property (Florida Statute 626.8795). This is why an Assignment of Benefits may be used. An A.O.B (AOB). helps to expedite the process of communication with your insurance company on matters regarding your claim. The A.O.B. (AOB) also allows the contractor to be listed as a payee on the insurance company check, along with the homeowner and their mortgage company. For example, doctors require you to sign an Assignment of Benefits when you do business with them. This allows the doctors to communicate with and collect money directly from your insurance company, without complicating the process by going through you every single time. This is the same situation as signing an A.O.B. with a doctor. You still have the right to contact your insurance company to ask questions, and remain informed on the progress of your claim.
A homeowner should be knowledgeable on their rights regarding claims and the insurance process. Please note that this article is specific to Florida's claims process and does not highlight all the rights under Florida law regarding your policy.
You, as the homeowner, have the right to:
- Receive an acknowledgment from the insurance company about your reported claim 14 days after you communicated the claim.
- Write a request to receive from your insurance company within 30 days after you submitted a complete proof-of-loss statement to your insurance company, confirmation of the status of your claim and how little or how much has been paid.
- Within 90 days, subject to any dual interest noted in the policy, receive full settlement payment for your claim, or payment of the undisputed portion of your claim, or your insurance company's denial of your claim.
- Seek free mediation about your disputed claim by the Florida Department of Financial Services, Division of Consumer Services Contact the Florida Department of Financial Services, Division of Consumer Services for assistance and online help with matters regarding your claim
The purpose of Assignment of Benefits and Direction of Pay is to help expedite the process of communication with your insurance company on matters regarding your claim.
The amount of time each claim takes differs from claim to claim. Since every claim or situation is unique, it is hard to determine just how long the claim will take. A highlight of working with RoofClaim is that we communicate directly with your insurance company on your behalf and follow up with your insurance company to inform you of any and all updates regarding your claim. This eliminates confusion and makes the overall process less stressful for you.
The answer to this question is not a definitive, clear-cut answer. Filing homeowners insurance claims may or may not raise your rates, it depends on the type of claim, how big or small the damage is and how many claims you've filed in the past. Due to this, it is hard to determine just how much your insurance rates may rise; if at all. Do not hesitate to file a claim because you are afraid your insurance rates will go up. Waiting to file a claim may only make the issue or damage much worse in the long run. It is suggested to file claims for bigger damages and catastrophic events. If you have any further questions, call your insurance company and inquire about when to file a claim.
The loss sheet is the insurance company's estimate. It is also known as an Adjuster's Worksheet, or Statement of Loss. The loss sheet includes information such as: Homeowners name and address, Insurance company, Policy Number, Claim Number, Date of Loss, Type of loss (wind, hail, flood, etc.), Deductible information, Itemized breakdown of the claim, and Payment information.
Unfortunately, unexpected events occur that cause damage to our homes and properties. When such events arise, you should file a claim with your insurance company immediately. However, sometimes insurance companies are slow in resolving claims, or when the value of damages is disputed. Each state's Statute of Limitations varies. Please give our office a call for assistance with your specific state.
Xactimate is the software that RoofClaim uses to provide estimates to homeowners. Xactimate is the standard estimate program used by insurance companies. RoofClaim uses the same software to provide fair estimates for all homeowners, so there is no need to go out and get more estimates from other contractors.
Most likely, yes. RoofClaim works with most insurance companies. Please call us at 1-855-560-3765 to further discuss this with us.
A change order is a request for additional funds by RoofClaim from the homeowner's insurance company. This request is for expenses/code upgrades incurred during the roof replacement process that were not included on the initial insurance company's loss sheet/estimate. Examples: permitting fees, re-nailing decking *If the change order request is not approved, and paid for by your insurance provider, the amount becomes invalid reducing your balance by said amount.
At RoofClaim, we work with the insurance company, so the out-of-pocket cost of your roof is your deductible plus any elected upgrades.