Insurance Restoration in Troy, OH and the Northern Miami Valley

Navigating insurance claims for roof damage can be complex, especially after the severe weather the Miami Valley has experienced over the last several years. At Faler Roofing, we streamline the insurance restoration process to help you get the coverage and repairs you need with minimal stress.

Our Insurance Restoration Process

• Damage Assessment and Documentation We start by conducting a thorough assessment of the damage and documenting it with detailed photographs and notes. This comprehensive report provides a clear overview of the damage.

• Claim Assistance and Insurance Review If you’ve already filed a claim, we review the insurance company’s scope of work to ensure all damage is covered. If you need help filing a claim, we guide you through the process to ensure accuracy and completeness.

• Meeting with Insurance Adjuster We coordinate with your insurance adjuster to discuss and confirm all identified damage. This collaboration ensures that the adjuster’s assessment is comprehensive and includes all necessary repairs.

• Review Insurance Scope and Finalize Details After the adjuster’s review, it usually takes 5-10 business days for the insurance scope of work to be finalized. We then schedule a meeting to review the scope, choose materials, and set an installation date.

• Certificate of Completion Upon completing the repairs, we provide a Certificate of Completion to your insurance company, facilitating the release of depreciation funds and finalizing your claim.

Understanding Your Insurance Policy

• Policy Coverage: Insurance policies typically cover damage from unforeseen events like storms but may exclude damage from wear and tear or poor maintenance. Review your policy or consult with your agent to understand what’s covered.

• Deductibles: Similar to health insurance, you’ll pay a deductible before your insurance covers the remaining costs. For example, if your deductible is $1,000 and your roof replacement costs $8,000, you pay the $1,000 directly to the contractor. The insurance company then covers the remaining $7,000, subject to policy limits and conditions.

• ACV vs. RCV: Actual Cash Value (ACV) coverage deducts depreciation based on your roof’s age, whereas Replacement Cost Value (RCV) covers the full cost of replacement without depreciation.

Steps for a Smooth Insurance Claim

• Assess and Document: Immediately after damage occurs, document it thoroughly with photos and notes.

• Notify Your Insurance Company: Contact your insurance company to report the damage.

• Consult a Reputable Roofing Contractor: Have a trusted roofing contractor assess the damage and help you understand your policy.

• File Your Claim: Submit your claim promptly with all necessary documentation.

• Coordinate with Adjusters: Ensure your roofing contractor meets with the insurance adjuster to advocate for comprehensive coverage.

• Finalize Repairs: Once your claim is approved, work with your contractor to complete the repairs.

Why Choose Faler Roofing?

Our team is committed to guiding you through every step of the insurance restoration process, ensuring you receive the full benefits of your policy. We handle the complexities of insurance claims and provide high-quality repairs to restore your home efficiently.

For expert assistance with your roof damage claim, contact Faler Roofing today. Let us help you navigate the insurance process and get your home back to its best. Call us or complete our online service request form.