Insurance Claims

As Insurance Claims Specialist, we will be on your side every step of the way. We feel that by taking care of our customers today, we will ensure our success for tomorrow. We conduct the inspection for roof and interior damage, photograph damage, meet with the insurance adjuster, plan and oversee the installation, and see it through to the end of the project. We take your roofing needs as seriously as you do. Whether you need a full roof replacement, leak repairs, exterior or interior work, gutters or siding, you can count on A-Z Roofing & Contracting to deliver the same professionalism and dedication to your home as we would our own.

Hail, wind and storm damage is considered an insurance loss on your homeowner’s policy. Most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged. The claim is also considered a natural disaster and does not count against you for future rate increases. Excellent Roofing specializes in accident and weather-related damage repair and replacement; including exterior roofing, gutters, siding, widows; and interior painting, sheetrock, ceiling texture, flooring, and carpet cleaning. We will help you deal with your insurance company and meet with your insurance adjuster if requested. Our involvement prevents you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied. With A-Z Roofing & Contracting you pay no out-of-pocket expense other than your insurance deductible. We agree to accept what your insurance company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement. You may also benefit from upgrades that we typically offer as signing incentives, such as upgrading the customer from 3-tab shingles to architectural shingles at no additional charge. Our company is also the most credentialed roofing contractor in Alabama and Tennessee, and our employees are trained to the highest standards.
  • Are you anxious about your roof insurance claim?
  • Are you afraid that your claims adjustor will not get approval for your insurance claim?
  • Are roofs in your neighbor's roofs being replaced because of a recent storm, but you are unsure how to get your roof replaced?
A-Z Roofing & Contracting can assist you in getting answers to all of your roof insurance claim questions.

Hail and strong winds can cause severe damage to any type of roof. If your area has recently had a hail storm, or even very strong winds, it’s possible that your roof is damaged. You may or may not be able to see the damage from the ground. Let A-Z Roofing & Contracting located in Alabama and Tennessee, help you through the insurance claims process to get the most positive outcome for your circumstances.

Most types of storm damage are covered by your homeowner’s insurance policy. However, it’s not always that simple to get a roofing claim approved.

Here are some suggestions for filing an insurance claim:

  • Your Notes: Make notes about the day of the storm, and the time of the storm.
  • Newspaper Notes: If there are stories in the newspaper, take note of them for the insurance adjuster.
  • Our Notes: Contact A-Z Roofing & Contracting to inspect your roof, and ask them to be present when your
    insurance adjuster schedules his inspection.
  • Take Pictures: If you have inside damage to your home, make sure to take pictures for your insurance claim.
A-Z Roofing & Contracting specializes in insurance roof & construction claims. We can do direct billing to your insurance carrier leaving you with less to worry about. We will be happy to meet with your insurance adjuster and discuss what will be required for a roof repair claim. We will provide an estimate for you and your insurance adjustor, and will discuss, in detail the extent of your roof and/or home damage, due to the storm.

A-Z Roofing & Contracting roofing and construction professionals are available 24 hours every day for emergency short-term repairs to your damaged roof to avoid further damage, giving you peace of mind in case another storm develops. Do not lose sleep because of the damaged roof and insurance claims. Contact A-Z Roofing & Contracting to make your insurance roof claim a hassle-free process.

Well, lets first look at the interior. I need to touch up the bedroom and living room, but my job takes me away from the task, and the wife has it on my "Honey-do" list. I think I will hire A-Z Roofing & Contracting, LLC. They did the neighbors and they were happy. Just call us at:

In Alabama: 256-828-2882
In Tennessee: 931-937-8200

1. First, we ask that you provide us with a copy of your insurance adjusters summary report so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately

2. Second, we match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something.

3. Third, we fax the signed contract to the insurance company.

4. Fourth, if there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. Most likely there will be several forms to be filled out and notarized. We provide our Fed Ex account for you to overnight the check for endorsement and forward the documents needed to process.

At A-Z Roofing & Contracting everything we do is focused on developing a loyal base of lifelong clients. We understand that this loyalty can only be earned through both the quality of our workmanship and the conduct of our staff.

Insurance Claims – FAQ

Q. How do I know if I hail damage? My roof isn't leaking.

A. In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be readily apparent and may not start to leaking for some time. It's best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.

Q. The insurance company withheld depreciation on my roof. Will I get that money?

A. Yes. Most all homeowners policies cover full replacement value. The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with its useful remaining life. The money that was withheld is called the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjusters summary report.

Q. Why did the insurance company withhold depreciation?

A. There are two reasons that the insurance companies hold some money back. The first reason is to make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, many people end up spending it on something else. The second reason is that they wish to make sure that you pay your full deductible. The insurance companies reason that, if you are given all the money, to begin with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand. By holding a retainage amount, they can adjust the amount of the final payout based on the roofing contractor’s invoice, thus assuring that the customer does pay the deductible.

Q. On my paperwork, it looks like my insurance company has already deducted my deductible from the check they sent me?

A. When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the homeowner's deductible amount on the paperwork from the total amount the insurance company allows for the claim since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible is a total amount the insurance company will actually pay for the claim.

Q. The insurance is only paying for part of my roof, and my neighbor's insurance company paid for their entire roof; why is my insurance company only paying for part of my roof?

A. No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately, the insurance company cannot pay for the whole roof. However, if is it borderline, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they're not able to walk on a stepped roof and photograph certain areas. Excellent Roofing ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.

Q. Should I get several estimates?

A. It is always prudent to get more than one estimate. However, when insurance is paying for the work, the dollar amount of the estimate is not very important as long as it is equal to or less than the insurance company estimate. In all such cases, with Excellent Roofing, you will only be paying your deductible, so your cost with us will be what the insurance company pays, plus your deductible. Therefore, your decision should be based on going with the contractor that you feel most comfortable with and whom you feel will perform the best job.

Q. What if your estimate is greater than the insurance company’s estimate?

A. Usually, this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a "supplement" with documentation in the form of pictures, measurements, and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.