HOW TO FILE A CLAIM
1. Roof Inspection
Have your roof inspected by a reputable contractor for storm-related damage.
4. Review the Paperwork
After your insurance adjuster has inspected the property, you should receive paperwork outlining the damaged items. Once, you receive the paperwork, contact your Legacy Roofing and Exteriors representative. We will review the documents to ensure that all items have been paid for correctly. If so, we will schedule a time to meet with you to begin your material selection process. If not, we can go over your options to ensure you receive the correct “fair market value” from your insurance company.
6. Roof Installation
We will install your roof system to the manufacturer's specifications.
2. File a Claim
If you have damage, contact your insurance claims department to file a claim and request that an insurance adjuster inspects your home.
5. Sign the Contract and Select the Materials
The contract price will be equal to the amount of money allowed by the insurance company and never greater than that amount. In some cases, Legacy Roofing and Exteriors pricing will be greater than the insurance company will allow. We use an independent pricing guideline that provides industry-standard “fair market value” pricing for the entire United States and is recognized by most insurance companies. We can submit a supplement to the insurance company for their consideration to raise their pricing to the “fair market value.”
YOUR TOTAL OUT-OF-POCKET cost is always known before signing a contract! You will know exactly what your expense will be.
8. Final Payment
Once you have received your recoverable depreciation and any supplemental amounts (if applicable), contact us to schedule a time to collect your final payment. Once paid in full, your file will be sent to the warranty process. You should receive your warranty documents within 3 weeks via US mail or email.
3. Set the Adjuster Meeting
Once you hear from the adjuster, contact Legacy Roofing and Exteriors to let us know when the adjuster meeting is. We will meet the insurance adjuster to scope the damages. We are trained professionals and will insist on a fair and complete inspection of your claim.
After our initial meeting, the adjuster will determine a fair market value to repair the damage to your roof. This value must include the rising costs of labor, materials, and transfer of materials that will be incurred. Legacy Roofing and Exteriors will then complete all work on the property loss worksheet for the amount the insurance company allows. Legacy Roofing and Exteriors will process all checks which require endorsements from your mortgage company. Our professional staff will work through the insurance process and re-roofing project.
7. Payment & Recoverable Depreciation
Once the installation is complete, your ACV and deductible amount is due. We will send a final invoice to your insurance company to release your recoverable depreciation and any supplements amounts (applicable) to you.