INSPECTION / EVALUATION
The first step in understanding if your roof needs repair or complete replacement is a detailed inspection. Our specialists excel in identifying storm damage and evaluating the overall health of your roof. We handle minor repairs at no cost to you. Should there be a need for more substantial repairs or a total replacement, we will promptly notify you and assist with the insurance claim process, supporting you every step of the way. Here’s the procedure if a claim is filed:
SCHEDULE ADJUSTER APPOINTMENT
Once you’ve filed your claim, expect a call from your insurance company to set a date for the adjuster’s inspection.
CALL US AS SOON AS THIS IS SCHEDULED
In any communications with your insurance, make it a habit to direct them to speak with us, your contractor, for detailed inquiries.
ADJUSTER APPOINTMENT
A Davis Roofing Solutions representative will attend the adjuster’s meeting to ensure your roof gets the approval needed from your insurance. Our involvement greatly improves the chance of a positive resolution. Absence of our contractor during this meeting could lower the odds of your roof’s approval.
FIRST CHECK & ESTIMATE
If your insurance decides your roof is beyond repair, they’ll estimate the repair costs to determine the Replacement Cost Value (RCV). They’ll then calculate depreciation based on the roof’s age, subtracting this from the RCV to figure the Actual Cost Value (ACV) or the roof’s current value. After deducting your deductible (your financial responsibility), the remaining amount is the Net Claim, which is the total of the initial payment from your insurer.
PAYMENT IS MADE
When you receive the initial insurance check, we’ll collect this and your deductible simultaneously. You’ll simply need to endorse the insurance check to us, eliminating the need for you to cash or deposit it. We’ll deposit both checks and proceed to schedule your installation.
Note: If your mortgage company’s name is on the check, we’ll secure their endorsement on your behalf. You’ll need to sign an authorization form, and we’ll handle the rest.
INSTALLATION
The installation typically takes about one day. We ask that you move any fragile lawn items indoors and park your vehicles away from the driveway, allowing us space for our trailer and materials and avoiding any potential damage to your vehicle.
ANY OTHER TRADES
Your claim may also include other services like gutters, window screens, fences, garage doors, and chimney-related repairs. We strive to complete all associated tasks swiftly after the roof installation.
FINAL INVOICE AND CHECK
After completing all claim-related work, we’ll send the final invoice and a completion certificate to your insurer for any remaining payments. Your insurance might contact you to confirm completion, so please consult us before responding. Following this, your insurance will send the depreciation check and any additional amounts due.
FINAL PAYMENT
Like the initial process, you’ll endorse the final payment check to us. We’ll deposit it and finalize your project. At this conclusion, we’ll issue your manufacturer warranty and, if applicable, provide a Class 3 or Class 4 form to aid in renegotiating your insurance premium.
REFERRALS AND REVIEWS
We value your feedback and encourage you to leave a Google review and share your positive experience with others. As a token of our appreciation for referrals leading to new projects, we offer referral fees.