Commercial Roof Insurance Claim

The commercial roofing property insurance claim process can be tedious to handle even for the most experienced business property investor or small to medium light commercial building owner. Every Commercial Business insurance policy has layers of coverage to sort out. Large commercial roofing losses may need to look at custom materials and architectural design considerations.

Handling this type of roof claim (large high end residential tile or steel roofs can come under this valuation as well) is extremely time consuming, especially if all the issues are addressed properly. Large roofing claims even present extreme challenges for the insurance company and their own experts and inside and outside adjusters. A company that has suffered hail or wind damage needs to contact a responsive and agile roofing consultant with an insurance background and resources, to help first contain and document the initial damage before it gets any worse, and before the damage begins to create collateral damage to assets.

If an investor or owner hasn't been through a large roof claim before, the insurance company will want to take control of your claim and get an adjuster, and perhaps a engineer right away. That's okay, but doesn't it make sense to retain a roofing consultant of your own to assess the information for you personally, then meet with the adjusters to make sure all the damage is noted and documented?

Developing a plan of action serves your best interest and advises you how to proceed with any required mitigation/demolition efforts so that you comply with the post-loss duties of the insured as dictated by the policy provisions. This can mean the difference between an inadequate claim settlement and a fair recovery.

Policyholders must know their duties as the insured; the obligations of certain parties to the terms of a policy can get lost between departments and individuals in the organization. This makes it even more important to know who to delegate this responsibility to before any losses occur. Always call us first if there is even a question of damage: It is good business never to file unnecessary claims, and very important to have us review and tentatively cost out any damage or repairs to see if a claim is worth filing before it is done. Once a claim is filed it will always be documented as such, even if the claim is withdrawn before an adjuster visit.

Review the Licensed Adjuster page to get a idea of the level of services that can be expected if you call us for a commercial roof insurance claim. Our visit to the loss will start with detailed photograph/videography of the site, followed by a detailed physical inspection including a written and hand sketched scope of damages. We will initiate correspondence and begin negotiations for damage mitigation with the insurance company if necessary or desired.

We are a resource that can help educate you to ensure a positive insurance claim experience. We are not public adjusters which expect a percentage of the claim on top of the total settlement including the deductible as compensation; we provide our service as an integral part of our commercial roof repair and replacement business-fees are waived if our services are used.

Insurance companies are a investment speculation based on risk business, and cannot stay in business by maximizing their payouts. Obviously a primary objective is to minimize their claims payouts to keep their bottom line healthy. Many carriers offer their own contractors, or services such as First Choice Repair or Mad Sky, which cut deals on prices to the insurance companies for the claim repair referrals as a "Preferred Contractor."

It is not a bad concept, but there are inherent conflicts of interest in such relationships, and there are reasons for laws that allow the consumer to choose their own contractors or repairmen. It's good to have someone on your side who knows how things work from the insurance company's perspective, with the idea being coming to reasonable negotiated settlements where everyone is happy, and no party feels slighted or taken advantage of, winners on all sides.