Understanding the Insurance Claim Process
Your home is one of your greatest assets. As such, the integrity of your roof is of great importance. While preventive measures are taken to ensure the most weather resistant roof possible during construction, severe weather does happen – sometimes roofs suffer damage from hail, high winds, and other forms of extreme weather. This is one reason that insurance plays an important role in the roofing business. On this page, we will walk you through the insurance claims process to help you understand how everything works should you need to file a claim due to any possible damage.
Overview of the Process
- 01
Call 1 Roof to schedule free inspection
- 02
Call insurance carrier to file claim & let 1 Roof know when to meet adjuster
- 03
1 Roof meets adjuster and agrees to scope of work
- 04
1 Roof replaces roof and associated damaged areas
- 05
1 Roof submits certificate of completion and any supplement items to insurance carrier and collects first payment form homeowner.
- 06
1 Roof follows up with insurance carrier for release of remaining funds and collects final payment when received.
Common Questions
The morning after a large storm has passed through your area, you may find yourself wondering if your roof has suffered any damage from the weather – you may have heard hail beating down on the roof or similar conditions that are a cause for concern. If this is in question, contact 1 Roof LLC and schedule a time where we can come out and assess the amount of damage, if any, to the roof. We will then discuss with you the extent to which your roof is damaged or if it has not suffered any damage at all. If the damage is significant, filing an insurance claim will be the next step.
To many home owners, the insurance claim process can be intimidating and overwhelming. In the event of significant damage to the roofing structure, however, insurance is a welcome service. The first step is to contact your insurance company and schedule an appointment for an adjuster to come out and assess any damages. While this is in many ways similar to the assessment we perform, the insurance company will want to assess it themselves – our assessment simply lets the home owner know whether or not a claim should be filed. After the adjuster’s assessment, within a few days the insurance company should send the home owner a summary of damages as well as the first check. This check is generally about half of the amount needed to cover the repair or replacement of the damaged roof. 1 Roof LLC can view this paperwork and discuss with the home owner the accuracy of the summary and payment estimates.
Each insurance company may handle this process differently – therefore it is difficult to provide definite answers to certain questions ahead of time. 1 Roof LLC will assist you in any way we can throughout the claims process, though your particular insurance company may determine the level of involvement that we can have in the process. Our goal is to minimize the best we can any overwhelming aspects of the paperwork and the process itself. Since we have experience with hundreds of claims, we can provide reliable professional advice wherever needed.
The home owner is legally required to pay whatever deductibles that were agreed upon when the insurance policy was purchased. The deductible will vary from one case to the next, though the home owner should be aware of his or her responsibility for the deductible before filing any claims.
Following a roof claim approval you will have a set time limit to repair the covered damage depending on your insurance company. After 1 Roof LLC discusses with the home owner the accuracy of the insurance company’s assessment and payment estimate, the 1 Roof LLC representative will discuss with the home owner any materials needed to perform the replacement or repair. If there is a mortgage on the home or business the first insurance check will usually require your mortgage company's approval of the contract for the scheduled roof replacement or repair. The first insurance check typically represents the ACV (Actual Cash Value) of your loss Less the amount of your Deductible. The ACV represents what your roof is Worth in its current condition so if it is 15 years old and it is expected to last 30 years the Actual Value is 50% less than a new roof. That is what is referred to as depreciation. After your roof has been replaced and your insurance company is provided proper documentation they will send another check for the RCV (Recoverable Cash Value) which represents the other 50%. The final payment from your insurance company is typically for the items that were needed to complete the roof that were not included on the original estimate. These items are usually permit fee, wood that needed to be replaced or other things that were discovered during the job. Most insurance companies include the Supplemental payment with the RCV payment.
Once the work is complete, 1 Roof will send an invoice indicating total costs and signed verification of the completed roof project to your insurance company. Once the insurance company has reviewed this information, the home owner is sent a second check to cover the remaining cost for the repair/replacement that the first check did not cover. The amount of the second check is then paid in full to us for the finished job.
Process Example:
- First check is sent to homeowner (ACV less homeowner deductible)
- Work is performed and documentation is sent to insurance company
- 1 Roof LLC collects ACV check amount and homeowner deductible
- Second check is sent to homeowner (RCV and maybe Supplemental funds)
- Third and final check is sent for Supplements (if not sent with 2nd check)
- 1 Roof LLC collects RCV and Supplement funds *less any expenses owed to homeowner.
*Expenses owed to homeowner are items or work that the homeowner did or will do themselves. At this point, the insurance claim process is complete and the home owner has a new or repaired roof. Though to many home owners this may sound like an exhausting process, we at 1 Roof LLC are here to guide your claim though the process as efficiently and quickly as possible.
Needed a repair done on short notice. Tim was able to help, and did an incredible job. His fees were more than fair, and great quality work. I would definitely recommend.
Barney H.
2+ years ago
We had a very good experience with this company. They do what they said they would do. I was very surprised how clean they left the site when they were done. I found no nails and no read more debris anywhere and replacing a roof makes a big mess. I would highly recommend.
Kenneth A.
2+ years ago
Wow! Where do I start...? 1 Roof is a super reliable company! Awesome experience. This is an extremely well managed roofing company. We had an insurance claim. We ended up with a full read more roof replacement. Aric, walked us through all the motions. No surprises ever. In fact, they were the ones who were surprised how damaged our roof was. They replaced panels and kept us informed of all steps taken to ensure our roof would come out just as new. Their workers are all employees of 1 Roof. They even place a camera on the mailbox, so they can see the project while it’s being worked. No words, hands down, the best roofing company in Jax. Tim and Jeremy were also delightful. Well done guys!
Lizzie M.
2+ years ago
We gathered quite a few estimates for our roof replacement and 1 Roof LLC was by far the best. They provided us with an estimate and met with the insurance adjuster which made our process read more so much easier. Aric and Tim kept us informed every step of the way. Getting a roof can be a stressful time, especially if you have a leak this time of year where it's raining everyday. Their team did a great job of minimizing that stress and the cleanup process was phenomenal.
Sharon D.
2+ years ago
This company was great! Totally professional and cleaned up all the nails and debris. Their salesman Aryn is top notch! I would totally recommend this company.
Jen S.
2+ years ago
On time, very responsive, good quality work, knows their business and cleaned up completely after the job was done. Highly recommend.
Mark W.
2+ years ago
I want to share how great this team is. They came by my house today to check out a potential roof leak. They spent significant time looking over the issue, and could not find a clear read more roof-originating leak after exhaustive leak testing. They gave me several pointers on possibilities of other sources for the leak, and offered to help further if other contractors were not able to locate the source. They went above and beyond, and have earned my future roofing business. Please give them a call and get an estimate for any roofing needs.
William P.
2+ years ago
They fought thru the Insurance details, policies and delays to prevail in our favor. A professional and experienced job to say the least. Job was completed on time with no problems read more whatsoever. Clean up was quick & thorough .I would highly recommend 1 Roof
Bill H.
2+ years ago
Very professional very the very first contact until the job was complete. The price that was quoted was the final price. Very happy with the worked .
RICK C.
2+ years ago
Hands down the best professional roofing company around. Jeremy and his crew were so over the top when we had to call to find someone to fix a leak we had on the roof. It was a busy read more day, but they made time for us and came in a very quick and timely manner knowing the leak was getting worse. Not only did Jeremy fix the leak, but he and his son also checked out the rest do the roof and made fixes where needed. We so much appreciated them coming out so quickly to help us, their meticulous attention to details, and their expertise in the business was more than we could have expected. If you need help with your roof, a leak, etc... don’t hesitate call 1Roof today! They will take care you for sure!
Sara E.
2+ years ago
I am a Project manager for construction by profession so I’m a tough customer to perform work for. It takes a lot for me to give a company 5 stars. 1Roof deserves 5 stars without read more a doubt. They were very communicative about scheduling during weather we were having. The material arrived without any complications and the delivery left no mess behind. They arrived on site to do the roof the day they said bright and early. They went above and beyond what I expected to protect my home including the bushes air condition units and other items I have around the house. They tarped everything and put plywood along my garage doors and on AC units. They finished just before a big rain storm came through. The quality of their install is outstanding. I just flew my drone up there to inspect. Flawless. And to finish it off, they didn’t leave one bit of mess behind. The clean up was outstanding. Not one nail. This company is 5 star in my opinion. Every bit of it.
Joe D.
2+ years ago
read moreWow! Our home builder left us in the dust with a major roof repair needed and 1 Roof came out and fixed it within days! Punctual, thorough and so easy to work with. Highly recommend.
Meg J.
2+ years ago
Review by Janice B. in Jacksonville, FL Project: Replace an Asphalt Shingle Roof Comments: Tim and Aric and the whole 1Roof team were great to work with; courteous, prompt, and did read more excellent work. Their rates were very competitive. Plus, they did what they said they were going to do in the amount of time they told me it would take. Would recommend and call them again for future service. Thanks, 1Roof Team!
Janice B.
2+ years ago
They are honest about the work you need or don't need. They didn't try tell you work needs to be done when it doesn't. Would definitely hire them again.
Jo Ann D.
2+ years ago
1 Roof is the best in the business. We have used them for repairs for both of our homes, most recently to repair flashing at our chimney. Their work is impeccable. They are professional, read more extremely knowledgeable, courteous, timely and neat. We highly recommend them!.
Christina S.
2+ years ago
We cannot speak highly enough of this company. Eric was thorough in explaining the whole process and Tim kept us informed.The roofers were professional and did a fantastic job. There read more was someone cleaning up the whole time and the quality control was outstanding. We are extremely pleased with the new roof and skylights and we have not found even one nail left behind. It is very unusual to find such a professional company anymore but this company excelled. We have and will continue to highly recommend them.
Angela H.
2+ years ago
Job started and finished when stated. Work done very professionally with supervision constantly on job. Cleanup was superb with one of owners coming at end of job to be sure every was read more to our satisfaction. Follow up after job to make sure we were happy. Would recommend highly.
John R.
2+ years ago
Great crew with a great work ethic. They were thorough, curtious, and fast. They cut no corners in the instalation. They cleaned the gutters and left the yard better than they found read more it. They even helped me put down some grass sod. Thank you Tim, Eric, and the whole crew.
Mark G.
2+ years ago
Extremely happy with their service. Tim worked around my schedule and Warren came out and did an excellent and prompt repair to my roof. Great communication, excellent service. I would read more highly recommend 1Roof to everyone! Thank you Tim and Warren.
Stephen C.
2+ years ago
1 roof did an excellent job replacing my roof. Completed it quickly and the crew left my place cleaner than they found it! I interviewed several companies and put in many hours of research. read more I went with Aric and his team because they didn’t expect me to sign an AOB or give me any false promises. Aric told me what he was able to do through the insurance company and then provided even more! He took the time to meet me at work, go over paper work with me and made the whole roofing and insurance process 10x easier than expected! Highly recommended!
Amanda C.
2+ years ago
1 Roof was recommended to us to replace our roof. We are glad we have worked with them. Aric and Tim were so easy to work with and very knowledgeable. The roofers that replaced our read more roof were just about done within a day on a 2000+ sq roof and also very courteous. We will recommend 1 Roof to anybody looking for a roofing company.
Christopher C
2+ years ago
Needed a simple repair of a dryer vent that was defective. Used Angie’s list to find options and 1 Roof was top rated so i gave them a shot. I am so glad I did. Got notified to their read more arrival time by email ,and telephone which was very convenient. Warren came out and was upfront with the problem. He gave me a bunch of options including fixing the vent instead of replacing, and using shingles i already had which saved me over 60%. That honesty put them over the top for me. Definitely would recommend this company to anyone. Old school way of creating lifelong customers still works, who would of thunk it. Thank you
Lou Mat
2+ years ago
I was very impressed with 1 Roof from start to finish. From Aric who first met with us, to Tim in the office, to the guys who did the work, everything was smooth and professional. We read more won't hesitate to recommend them based on their quality work and great communication! They also did an amazing job of keeping things neat during the work - ours roof took three days, and at the end of each day they cleaned everything up to minimize risk/dangers to us or our children and pets. Thank you!!
Wendy S.
2+ years ago
Fantastic! Highly recommend this company. I requested quote through Angie's list and received a quick same day response from Tim at their office. He first advised me that someone could read more come later in the afternoon that day but then called me back and said they could come earlier. Warren showed up in the morning, reviewed my issues, gave me a no nonsense budget friendly repair price and to my amazement was able to come back in the afternoon. I received a written estimate within an hour of my quote, agreed to the work and then they told me they would be there later, but got there earlier!! He performed my repair flawlessly and gave me all the details, showed pictures of what had been done. I received a warranty for the service as well.
Darcie H.
2+ years ago
1 Roof did an excellent job replacing my roof. It was a very large and complicated job since my roof was slate. Everyone at the company was very professional and a pleasure to work read more with. Jeremy and Wayne went well beyond my expectations. The worksite was kept neat and they cleaned up every day before leaving. I have already and will continue to highly recommend them.
Charles N.
2+ years ago
Sometimes you hear about roofers getting their money but never either doing the job right or not finishing at all. 1 Roof is nothing like that. They are a professional organization read more who I would recommend anytime. Thank you 1 Roof for making this an easy transaction.
Ken K.
2+ years ago
From the initial phone call to the end of installation, 1 Roof representatives were professional, timely, efficient, thorough, pleasant and helpful. We are so pleased with the results read more and the process that they have in place. They are very up front in explaining everything to you in detail and then they follow through exactly as they said. Communication, follow through and follow up is 10+ on a scale of 1 to 10. We couldn't be happier and highly recommend their roofing services to anyone in need.
Annette B.
2+ years ago
1ROOF is a first class top notch contractor. Everything from the initial quote, to the workmanship, to the follow up was professional, on time, accurate, and flawless. We were very read more fortunate to find this particular company among all the roofing companies. They exceeded our expectations on all fronts. We would highly recommend them to anyone. They are an obvious leader in the field. The roof is beautiful.
Ted T.
2+ years ago
This is the best company that has performed work on my house. All of the employees that I worked with at 1Roof were professional, knowledgeable and courteous. They returned phone calls read more in a timely manner and were always willing to work around my schedule. Further they showed up when they said they would. The crew that replaced my roof were very professional and did an excellent job keeping the worksite neat and they did a thorough job cleaning up at the end. I especially want to commend both Tim and Aric for their knowledge and professionalism. Overall they made the roof replacement effortless.
Robert M.
2+ years ago
Excellent work. Management AND laborers were professional and very courteous. Meticulous with clean-up. A pleasure to work with all around.
Phil-Tony K.
2+ years ago
You know you've found the best when Jeremy, Aric and Tim manage your insurance claim and your roof repair. 1 Roof keeps you informed and provides follow-up customer service like I have read more never experienced before. Great team...….you can't go wrong engaging this firm.
Ed M.
2+ years ago
The roof looks great! I was able to manage the entire process by phone, text and email as I am currently on (Navy) TDY 700 miles away. The process went more smoothly than I dared read more hope. A very important plus was that they dealt with the insurance company. A big Bravo Zulu for 1 Roof!
Tom F.
2+ years ago
Review by Pauline E. in Palm Coast, FL Project: Repair an Asphalt Shingle Roof Comments: The original visit took 2 hours and was quite thorough showing us what was wrong. They were read more constantly in touch with us as to what is going to happen as well as showing us when something was different. We are very pleased with the company and would recommend them to anyone.
Pauline E.
2+ years ago
I have recommended them to my friends and neighbor's. I enjoyed working with 1Roof they were very professional. You sure don't find many companies that stand on their promises. I have read more to say that Aric did everything from the estimate to a completion certificate for us. We had to have work done inside our home and they sent the very best guys to do the work!!! Thank you to the entire team at 1 Roof!!!
Frankie T.
2+ years ago
Hurricane Irma did a job on my roof, 1 Roof was there to help. They were there for any problems I had with my insurance company. Aric was there to answer any questions that I may read more have. They are on the top of my call list if I have any problems with my roof. Thanks for the great job.
Harry F.
2+ years ago
Review by Katherine F. in Fleming Island, FL Project: Repair an Asphalt Shingle Roof Comments: Timely. Friendly. Responsive. Truthful. Affordable. I was very specific about what I read more needed from them. They provided an honest repair and detailed report to set my mind at ease.
Katherine F.
2+ years ago
I selected 1 Roof to completely re-roof our home, which sustained damage from hurricane Irma. From estimate to finished job, I dealt with a very professional company. All issues and read more concerns, from start to finish were fully explained and were timely addressed. The new roof came out better than I could have expected, and my home looks absolutely wonderful. Tim, Aric, and Jeremy do it right! Count me in as one very happy customer here.
John B.
2+ years ago
These guy's are no joke. No stupid sales pitch, no games. Highly recommended. Ask for Aric
Dan B.
2+ years ago
Review by Tom S. in Elkton, FL Project: Repair an Asphalt Shingle Roof Comments: Super Guys, Job and Price!
Tom S.
2+ years ago
