If you have damage to your property, and if you have coverage, you can likely get your insurance to cover the damages if you file a claim. There should be a toll-free claims number on your policy.
The following tips can help the claims process go more smoothly:
After you file your roof claim, you should hear from the insurance company within a day or two. The insurance company will tell you about its claims process and any responsibilities you have. The insurance company should give you the name of the person who will be working on your claim.
The insurance company must start investigating your claim within 15 days after receiving written notice and may ask you for more information. Once you send the information, the insurance company has 15 business days to accept or reject your claim. If the insurance company says it will pay your claim, it must pay within five business days. If the insurance company rejects your claim, it must explain its reasons in writing.
As part of the process, the insurance company will send an adjuster to your house to look at the damage. It might be awhile if there was a disaster and the area isn’t deemed safe. Try to be home when the adjuster comes so you can discuss the damage and answer any questions.
The insurance company will tell you in writing if your policy covers the damage and will give you an initial damage estimate. Keep in mind that the estimate may change. The insurance company might provide you with a list of contractors, but you don’t have to use someone from the list.
The person you deal with most often during a claim will probably be an adjuster. There are several types of adjusters:
Note: Adjusters must be licensed by Texas Department of Insurance. To learn whether an adjuster is licensed, call the TDI Consumer Help Line or visit the Agent Lookup feature on our website.
Settling a Claim
Your insurance company has five business days to send you a check after it says it will pay your claim. If you don’t get your check within five business days, call your agent or insurance company. If you think that the company is delaying payment on purpose, call TDI for help.
If you have a replacement cost policy, most insurance companies pay claims with two checks. The insurance company will give you the first check after the adjuster has reviewed your damage. This check will be for the estimated cost of repairs, minus depreciation and you’re deductible. A deductible is the amount of the claim that you as the homeowner is responsible for paying out of pocket. Just like a car accident. Once you take your car to a body shop you have to pay your deductible. Review your policy or ask your agent or adjuster if you don’t know how much your deductible is.
The insurance company will give you a second check for the balance of your claim after it gets the contractor’s bill for the finished job. You must complete repairs or replace your property within a certain number of days from the date of loss. Review your policy or ask your agent how soon you must repair or replace your property.
Replacement Cost and Actual Cash Value
Read your policy carefully to know whether it offers replacement cost coverage or actual cash value coverage.
The insurance company will pay to repair your home with materials of like kind and quality to the original. For example, if the carpet was damaged, the insurance company will pay to replace the damaged carpet with carpet of a similar grade and quality. If you choose to upgrade the carpet or change the type of flooring, you will have to pay the extra costs yourself.
If You Have a Complaint
If you have a complaint about the way your claim is being handled, first call your insurance company. Many complaints can be resolved by talking to the insurance company about your issue.
If you can’t resolve the dispute directly with your company, file a written complaint with TDI. There are two ways to file a complaint:
Additional Living Expenses to Relocate
Your insurance company might pay your additional living expenses (ALE) if you have to move from your home while repairs are made. ALE includes temporary housing, food, and other essentials.
Ask your agent or insurance company if your policy includes ALE. If it does, you might be able to get an advance payment to help you move. Most policies pay up to 10 to 20 percent of the amount of the dwelling coverage on your house for ALE.
Your insurance company will only pay for additional living expenses up to your policy’s ALE dollar limits. Because repairs on your home can sometimes take months, monitor your expenses carefully to make sure you have enough ALE to cover the entire time you’ll be out of your home. If you reach your policy’s ALE dollar limits before your home is fully repaired, you’ll have to pay the rest of the expenses out of your own pocket.
What to do after the storm:
Roofing Professionals of Texas is an industry-leading residential roofing and commercial waterproofing contractor. Roofing Professionals of Texas services include retail roof bids, insurance claims, and navigating the insurance claims process. In the past 29 years, Roofing Professionals of Texas has completed millions of square foot of roofing/waterproofing construction.
Roofing Professionals of Texas ranks as a Top 100 Roofing Contractor in Roofing Contractor Magazine and is rated BBB A+. Roofing Professionals of Texas is active in many local industry organizations including RCAT (Roofing Contractors Association of Texas), North Texas Roofing Contractors Association, and many others. Contact us for any of your roofing needs in DFW Texas 469-906-2600.
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