Do you think your insurance company will contact you after a major storm to ask if you need a new roof?
Schedule a Free Inspection
Claims Handling Process
1
Inspecting Homes
We inspect your home and will provide a detailed damage report with pictures or videos.
2
Contact Insurance Company
Our claim specialists assist homeowners in reporting relevant damage to their insurance company.
3
Meeting with the Adjuster
Our Haag-certified inspector will greet your insurance adjuster on-site to get you the approval you deserve.
4
Paperwork
Our office assists in communication and completion of important paperwork.
5
Picking Out the Products
Our staff will provide you with sample boards so you can choose the colors and accent features that you desire for your home.
6
Scheduling the Build Date
It's very important to us that we make sure to work with your time schedule & special requests to make you feel at ease.
7
Permit Process
Roofing is a licensed trade and most cities require permits and inspections before, during and after the build. C&N will complete all required permits per city ordinance.
8
Supplementing
We will advocate on your behalf with the insurance company after the approval to make sure you get the highest quality roof, all necessary components and coverage of building code requirements.
9
Finalizing and Confirming
Your satisfaction is of our utmost importance. Our job isn't done until you are satisfied!
Types of Storm Damage
Hail
Hail damage is the most common cause of damage for roofing & siding. Hail damage may be difficult to determine on your own. Using one of our certified inspectors ensures this damage is not overlooked.
Wind
Wind damage can cause considerable issues to roofing, siding and other components to your home. Lifted shingles allow moisture to enter your home's surface causing additional concerns for you. Using one of our certified inspectors ensures that this damage is not overlooked.
Defective Products
From the late 1980's until recently, there were many defective shingles installed on roofs, that did not perform as intended. Contact us to see if you have a recalled, defective shingle today.
FAQ
A deductible is the amount of money a policyholder must pay out-of-pocket toward damages or a loss before their insurance company will pay for a claim.
So if the claim value is $10,000 and your deductible is $1,000 the insurance company will pay $9,000.
We are trained experts in identifying damage and building code requirements which helps the approval process.
C&N Construction is GAF Certified. It is a certification that is rewarded to companies with comprehensive training on the materials & the installation process.
Haag certification requires extensive training on the inspection process and how to identify damage. It allows our inspectors to conduct more in-depth inspections and come to conclusions with high credibility. It also serves as an extra authority when going through the approval process with the insurance company.
You’ll want to get started on the claims process right away — many policies limit the time you have to file a claim. Usually up to a year from your date of loss.
Most property insurance policies cover all building code requirements. While going through the approval process, we make sure insurance is covering any building code requirements. This usually results in an upgrade to your current property’s condition, also known as a building code upgrade. Ensuring that your property is up to code and that your insurance policy is covering everything they should results in an upgraded property without any added homeowner costs.
ACV (Actual Cost Value) is what the damaged area or item is worth in its current condition.
Depreciation is money that is held by the insurance company to ensure that the policyholder performs all approved work.
RCV is the sum of ACV and depreciation.