Navigating Your Storm Claim
When a storm hits, there are many things to worry about, and we would like to
make sure your roof is not one of them. We have come up with some steps
that will make it easier for you to get your home fixed with the least amount of
trouble to you.
- Contact a Qualified Contractor
If you are reading this, you have already taken the first step toward insuring a
positive contracting experience. By selecting Bone Dry Roofing, Inc., you
have placed your trust in the Midwests' largest, and most decorated residential
roofing contractor. Our representatives would be happy to present you with
an accurate evaluation of your property, and a fair estimate to correct any and
all damage caused by the storm.
- File a Claim with your Insurance Agent
Contact your local insurance agent or company to notify them that you have
suffered hail damage and need to file a claim. Your insurance carrier will
then issue you a claim number. It is very important that you not lose your
claim number. All subsequent contact with your insurance company will
require confirmation of this number.
- Schedule an Appointment with the Insurance Adjuster
In addition to the evaluation provided by Bone Dry Roofing, Inc., an adjuster from
your insurance company will need to review the damage to your home. We
suggest that you schedule a time that allows for your presence at the
appointment. Make certain that the adjuster gets on your roof so as to
provide you with an accurate assessment of the damage. Lastly, inquire as
to when you should expect reciept of your loss summary report.
- Negotiating Replacement Cost Differences
Do not be suprised if your estimate from Bone Dry Roofing, Inc., and your loss
summary report from your insurance carrier do not match. Simply forward a
copy of your loss summary report to one of our staff insurance negotiators, and
we will be more than happy to initiate contact with your insurance company to
reach an agreed upon settlement.
Upon agreement by all parties to a final Replacement Cost Value (RCV), your
insurance company will first cut you a check for the Actual Cost Value (ACV).
This figure is calculated by subtracting Depreciation from the RCV. Once
your insurance company verifies that Bone Dry Roofing, Inc. has completed your
project, they will cut you a check equal to the value of the Depreciation.
- Scheduling Production
Within 3 to 5 days of acceptance of our estimate, a Bone Dry Roofing, Inc. Customer
Service Representative will contact you to confirm selection of your shingle
color, any upgrade options, and a production start date. It is very that
we recieve a final confirmation of your shingle color a minimum of two weeks
prior to the commencement of production.
- Production
Unless your roof is unusually large, Bone Dry Roofing, Inc. can complete a roof
tearoff and replacement, from start to finish, in less than two days. Our
highly skilled roofing specialists can "hand nail" between 25-40 squares per
day.
- Payment
Bone Dry Roofing, Inc. never requests an upfront deposit. Rather, payment in
full is due upon satisfactory completion of your roofing project. In some
instances, Bone Dry Roofing, Inc. will extend credit terms for qualified buyers.