Insurance Restoration Roofing
In Sarasota, Bradenton & Tampa
Homeowners in the coastal regions of Florida are quite aware of the potential for damaging storms, especially in the summer months, when hurricanes are common.
When your Florida home’s roof has been damaged by a recent storm – whether the damage includes missing shingles, wind uplift, water damage, or fractures caused by hail or falling storm debris – AKVM’s trusted roofing experts are able to provide you with the roof restoration to bring your roof back to its pre-storm condition.
Our licensed claims adjusters speak the languages of both roofing and insurance, so we can help you understand and navigate the process of filing an insurance claim with your homeowners insurance company so your home can get back to normal quickly.
What is Insurance Restoration Roofing?
Insurance restoration roofing is the repair of roof damage resulting from a storm or other covered event, typically paid for by the homeowner's insurance policy.
When a homeowner calls us for storm restoration work, the process typically follows this sequence of steps:
- Thorough inspection of the roof performed by a licensed, experienced roofer. This is important because a trained professional can often detect “hidden” damage typically unable to be seen by an untrained eye.
2. Subject to Agreement
- After inspecting the roof, your AKVM roofer will go over their findings with you. If there is enough damage to make an insurance claim, the roofer will also explain the process of insurance restoration. At this point, you’ll receive a form called “Subject To Agreement,” which states the only cost to you for the approved repairs is the insurance deductible (paid directly to the insurance company). We must have this form signed before we can speak with your insurance company’s adjuster.
3. File a Claim
- Please note that under Florida law, you, the homeowner, are the only person who can file an insurance claim for your property. Don’t worry, though – all you need to do is call your insurance company and let them know you want to file a claim. They’ll assign a claim number to you. You may also let them know that you already have a roofer and that you’d like the insurance company’s adjuster to meet with the roofer’s adjuster when they come out to inspect your roof. This will save time and allow us to restore your roof quickly.
4. Scope of Work
- Once your claim has officially been filed, your AKVM adjuster will come back to your home to go over a complete scope of work with you. This is simply an itemized list of any and all damages to be repaired.
5. Meet the Adjuster
- Your AKVM adjuster will meet with your insurance adjuster to review all damages that were found. When the scope of work is agreed upon, it’s entered into a claims estimating software called Xactimate, which will produce a line-by-line price sheet for your repairs. Upon approval from your insurance company, the field adjuster will be allowed to write you a check for the Actual Cash Value (ACV) for your claim. At the same time, you’ll write your own check to the insurance company for the deductible.
6. Choose & Order Materials
- Now, you’ll sit with your roofer to review your roofing material options. Once you’ve chosen your materials, we’ll create the necessary work and materials orders; upon delivery of materials, you will give the roofing company the check given to you by your insurance company and the actual roofing work will commence.
7. Construction & Wrap-up
- We’ll get to work tearing off old material and installing your new roofing. When the work is finished, we’ll again go over the inspection list with you to ensure that everything was completed and that you’re satisfied with our work. Meanwhile, our roofers will make sure that your property is cleaned up so that all traces of our presence are gone.
- Once the final invoice is paid, we’ll send over your warranty paperwork. This will include our workmanship warranty as well as your materials manufacturer warranty.
The process outlined above is typical; most legit roofing companies will follow the same steps with little variation. With this in mind, be aware that there are unscrupulous folks looking for naive or vulnerable homeowners to hoodwink who will not follow these standard steps.