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Property Insurance Claims: How To File In 6 Simple Steps

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Have you experienced damage to your home recently? Property insurance claims can be overwhelming and difficult to understand.

Apple Roofing is happy to give you a free roof inspection for damage that may have occurred to your home. One of our fully trained and experienced representatives can inspect your property before you file a claim. This way, you don’t risk your insurance company dropping your coverage because you filed an unnecessary claim. It’s smart to get a professional opinion before jeopardizing your low deductibles and reasonable rates.

6 Simple Steps To Property Insurance Claims

Construction foreman speaking on the phone; property insurance claims

1. Call a reputable contractor

Repairing or replacing your roof can get complex. At Apple Roofing, we’re committed to making it easy to choose quality. Our experts will work with you to find the best solution for your needs, walking with you every step of the way.

2. Have the contractor determine if the property was damaged

If that damage exceeds your deductible. (This is important to minimize your claim history, which could cost you down the road, even if your claim is denied!).

3. File a claim with your insurance agent

If the damage exceeds the deductible. Determine when the adjuster will be available to meet with you AND your contractor

Engineer and contractor shaking hands success of the project work together property insurance claims

4. Authorize the selected contractor to repair

After you, your insurance company, and the contractor determine the damages and agree upon the cost of the repairs. Discuss time frames, expectations, and payment terms before authorizing the contractor to proceed.

5. The job is scheduled and the roof is built

The time of replacement can vary due to weather, home size, and the pitch of the roof. Read the “Construction Zone” guidelines to know what to expect.

6. Send insurance the certificate of completion

After the work has been completed, get a Certificate of Completion from the contractor and send this to your insurance agency in order to receive the RCV (Final) payment. Some companies will assist you with this.


Pro Tips to Get the Most Out of Your Claim

Filing a claim with property insurance can take plenty time and money to get through. This is why you will want to make sure you get the most out of your investment. Here are few pro tips we recommend to all our customers when working through the claims process.

Close up young male employee manager customer hands signing paper contract; property insurance claims

Know Your Insurance Terminology

Your property insurance policy will be full of jargin that can make it difficult to understand what is and isn’t covered. We broke down a few common phrases that will help you through this process.

Insurance terminologies defined:

ACV (Actual Cash Value): In the property and casualty insurance industry, ACV is a method of valuing insured property or the value computed by that method. ACV is not equal to replacement cost value (RCV). ACV is computed by subtracting depreciation from replacement cost. For Example, you have a fire loss at your home that was built in 1980. The fire causes $100,000 RCV in damages. The insurance company deducts $30,000 in depreciation from the RCV of $100,000 and issues an ACV payment of $70,000.

RCV: You would only be able to recover the depreciation of $30,000 if you incurred that expense over the ACV payment of $70,000. The insurance company would require additional documentation (i.e. receipts, contractor’s invoices, and/or a completion inspection) before the recoverable depreciation could be paid.

DEPRECIATION: The deduction is based on the age and useful life of that item(s).

Protect Your Home with a Quality Warranty

If you end up getting a roof repair or replacement, you will want to know about the warranties offered by your contractors. While these wattanties vary from contractor to contractor, a trustworthy roofer should have a quality warranty that will gaurantee your roof is covered for years to come.

Apple Roofing provides one of the best warranties in the industry and strives for continued service after your work has been completed. Apple Roofing provides “Core Protection,” a 10-year labor warranty with a preventive maintenance plan for your home.

If you have already determined you have hail damage, Apple Roofing will give you a free estimate to replace your roof and will assist you with hard-to-understand insurance paperwork. Apple Roofing will walk you through the necessary steps to close your claim in a timely manner. Our goal is to protect your investment.​​

Making the Best Choice for Your Home

The best thing you can do for your home when going through the claims process is to work with a trusted roofing contractor who can help guide you along the way.

This is why so many people across the US trust Apple Roofing. Not only is our team great at installing and repairing roofs, but we are experts when it comes to working with insurance. If you are looking for a quality roofer to trust with your home, give us a call today! We would be happy to help.

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