Insurance Procedures
Custom Home Improvements responsibilities to a homeowner during an insurance claim roof replacement include both professional obligations related to the roofing work and supportive roles related to the insurance process. Here’s a breakdown:
Roofing Responsibilities
1. Provide a Professional Inspection
o Assess and document the roof damage.
o Create a detailed report with photos for the homeowner to submit to the insurance company.
2. Scope of Work & Estimate
o Prepare a written homeowner’s agreement/quote detailing roof replacement or repair.
3. Quality Installation
o Perform all work according to local building codes and manufacturer specifications.
o Use materials of equal or better quality than what was originally on the home (as required by insurance policy terms).
4. Permits (if required) & Cleanup
o Pull required permits and ensure final inspection passes.
o Handle cleanup and disposal of old roofing material.
Insurance Claim Support
1. Help Navigate the Process
o Educate the homeowner about what to expect during the claim process.
o Carefully examine the scope (report) from the insurance company
2. Communicate with Adjusters
o Provide documentation, estimates, or clarification about the damage.
o Submit, in writing, the right on behalf of the homeowner to submit a “Supplemental Request” following the installation of the roof with documentation for increased coverage to the claim and supplemental payout from the original claim.
o Provide an itemized list of costs directly to the insurance company within 10 business days of the completion of the roof once all receipts and purchase orders have been obtained.
3. Supplement Requests
o If the insurance adjuster misses something, the roofer can help prepare a supplement request, including extra damage or required code upgrades.
What Roofers Shouldn’t Do
· File the claim for the homeowner (the homeowner must do this).
· Promise a “free roof” without deductible – this is often insurance fraud.
Best Practices for Homeowners
· Choose a roofer experienced with insurance claims.
· Ensure everything is in writing: scope, materials, timelines.
