Insurance Claims
FILING AN INSURANCE CLAIM FOR HAIL DAMAGE
After a damaging hail storm, the first step in any roof insurance claim is to have your roof inspected for damage. J&K Roofing provides an honest and transparent assessment of the damage to your roof and the repairs that are needed. We will also let you know if you do not have any damage. J&K Roofing offers exceptional products and services that you can trust, so you can be sure that your roof and your home’s exterior will be repaired or replaced to the highest standards.
- Schedule a Free Inspection to Assess Any Damage to Your Roof and Exterior Property.
- Project Manager 1-Point of Contact for Roofing, Windows, Siding, Gutters and Solar.
- Experts at Helping Homeowners and Building Owners Navigate the Insurance Claims Process.
- Stress-Free Process.
- Over 50,000+ Roofs Replaced.
FILING AN INSURANCE CLAIM – NAVIGATING THE PROCESS
Navigating the insurance claims process can be challenging, but it doesn’t have to be. In the complex world of insurance policies and coverages, it helps to have a professional helping you along the way.
Assess any damage and review your insurance policy.
- After a hailstorm, walk around your home’s exterior and look for any signs of damage. Pay special attention to your roof, gutters, downspouts, siding, windows, and solar.
- Review your insurance policy so you understand what is covered.
Schedule a roof inspection with a qualified roofing contractor.
- J&K Roofing offers an honest and free inspection of your roof and your home’s exterior. We provide pictures, documentation, and a detailed estimate for any repairs.
- We walk through the process and answer your questions to help you decide if we’re the right fit for your project.
Contact your insurance company to file an insurance claim.
- We’ll meet with your adjuster to review your property. J&K Roofing is on your side to make sure you have a seamless experience and get all of your damage covered.
- We work with all insurance companies.
Insurance claim supplement.
- A supplement is a common documented request for more money on an insurance claim due to hidden damage, unforeseen damage, or changes to the scope of work that were not known at the initial assessment.
- We submit documentation, such as photos, videos, and estimates, to explain the need for more funds.
When your insurance claim is approved, we order materials and schedule your project.
- Your Project Manager is your one point of contact for your exterior home improvement, including roofing, windows, siding, solar, gutters, painting, and fencing.
- Our teams are safe and respectful of your property.
FAQs
J&K Roofing can help you navigate the insurance claim process to get your storm-damaged roof repaired or replaced quickly and efficiently. We have extensive experience working with homeowners and insurance companies, and we have relationships with all major insurance companies. If you are concerned about any hail damage or storm damage to your property, please give us a call to set up a complimentary roof inspection.
Most homeowners’ insurance policies cover hail damage, but there are some exceptions. In some areas, insurance companies may exclude wind and hail damage from coverage, or they may have a separate deductible for each type of damage. To be sure, check your homeowner’s insurance policy or contact your insurance company.
A roofing insurance claim supplement is a request for additional money from your insurance company to cover the cost of repairs that were not included in the original estimate from your insurance company. This may be necessary because the initial estimate from your insurance company was too low, the scope of work has changed, or local building codes require additional work. Supplementing benefits homeowners by ensuring that your roof is repaired properly, protects you from financial hardship, and prevents disputes with your insurance company. Prices are set by third-party insurance software that calculates the cost of repairs, based on measurements and scope.
Insurance companies can't typically raise your rates for a single claim caused by an "Act of God" storm. But they can raise rates for everyone in your area based on the storm's severity. So, if you don't file a claim, your premium increase will pay for everyone else's repairs except your own.
If you had hail damage in your neighborhood, give us a call. It's important to have a knowledgeable roofing professional there when the insurance adjuster inspects your roof. The insurance adjuster represents the insurance company's interests, not yours, so don't rely on just their inspection. You need a professional working for you to make sure all damage is adequately addressed and paid under the claim.
Insurance Claims
EXPERTS IN HAIL DAMAGE ASSESSMENT AND INSURANCE CLAIMS
Our team of experts will help you navigate the insurance claims process every step of the way. We work with homeowners and commercial building owners to ensure that they receive the full amount they deserve for their hail damage repairs. Don’t wait – you have a limited time to file your claim.
Our Project Managers successfully work with homeowners and commercial building owners to help navigate insurance claims every day.
INSURANCE CLAIMS FOR HAIL DAMAGE
NAVIGATING THE INSURANCE CLAIMS PROCESS
Wind, snow, rain, or hail damage? Our team of experts is here to help. We're highly experienced in the insurance claims process and know how to get you the coverage you deserve. We'll assess the full scope of work needed to restore and improve your property.
FREE ROOF INSPECTIONS
Whether you think your roof has been damaged or you just want to get an annual checkup, we offer free roof inspections. Our experienced and certified roofers will assess the condition of your roof and identify any potential problems. We'll also provide you with a detailed estimate for any repairs or replacements that may be needed.
ROOF REPLACEMENT AND ROOF REPAIR
Hail damage can do a number on our Colorado roofs. We offer high-quality roof replacement with attention to detail and excellent customer service. Our Service Department is ready to respond to any leaks and repairs.
GUTTER INSTALLATION AND GUTTER REPAIR
We can install or repair your gutters if they’ve been damaged by hail or other storms.
WINDOW REPLACEMENT AND WINDOW REPAIR
Storm damage can wreak havoc on your windows and window screens. If your windows or window screens have been cracked, broken, or damaged, we can repair or replace them.
SIDING REPLACEMENT AND SIDING REPAIR
Hail storms can damage your siding, leaving dents and marks. We offer a variety of siding options to enhance your home’s exterior, increase energy efficiency, and increase the value of your property.
SOLAR REPAIR AND SOLAR REPLACEMENT
Solar panels and solar roof shingles can be very resilient during storms, but larger hail does damage. Give us a call if your solar panels or solar roof shingles have been damaged by hail storms.
STORM DAMAGE AND HAIL DAMAGE
Storm damage comes in many forms caused by hail, wind, rain, snow, electrical, fire, trees and debris. We’re here to get your property back into top shape after a storm.
FINANCING OPTIONS
We offer financing options if you need a new roof or roof repair but can’t afford the sudden expense.
EXPERIENCE MATTERS
MAKING YOUR INSURANCE CLAIM AS SIMPLE AS POSSIBLE
J&K Roofing is the #1 roofing contractor recommended by local insurance agents across the Denver metro area. We’ll be with you every step of the way.
UNDERSTANDING YOUR INSURANCE POLICY
Filing an insurance claim for hail damage can be daunting, especially if you’re not familiar with the process or your homeowner’s insurance policy. Here are a few key terms you should know:
REPLACEMENT COST VALUE (RCV)
- The amount your insurance company will pay to replace damaged property with new items of the same kind and quality. For hail damage, this may include your roof, windows, siding, gutters, and solar panels.
2
ACTUAL CASH VALUE (ACV)
- The current value of your damaged property, minus depreciation. For example, a 10-year-old roof with a 30-year lifespan has used 33% of its useful life, so its ACV would be 67% of its original cost.
3
RECOVERABLE DEPRECIATION
- The amount of depreciation that can be recovered once you complete repairs or replacements. For example, your insurance company may pay you the ACV of your roof minus the recoverable depreciation upfront. Once you have your roof replaced, you can file a supplemental claim to recover the depreciation.
4
HOME INSURANCE DEDUCTIBLE
- The amount of money you must pay out of pocket before your insurance company will pay for a covered claim.
J&K ROOFING BLOG
Helpful information about roofing, windows, siding, and solar.
FILE YOUR INSURANCE CLAIM TODAY
The timeline to file is shorter than you think. Otherwise, your insurance company may deny your claim. Contact J&K Roofing today.