Have your roof inspected by a reputable, local roofing company?
The roofing company should send you photos of the damage they find.
If the roofing company provides evidence of legitimate hail/wind damage, file a claim with your insurance claims department.
Your claim will be assigned to an adjuster. The adjuster will call you to set an appointment. Your roofing company should attend.
If the insurance company agrees with the damage, they will generate the estimate.
The insurance company will mail you the estimate along with check #1 of 2. Share the estimate with your roofing company.
If you have a mortgage, your mortgage company may have to endorse the first check. They will want a copy of the estimate.
Your roofing company will then generate an agreement which will lay out the scope of work and payment schedule.
Your roofing company will then generate an agreement which will lay out the scope of work and payment schedule.
As the homeowner you are required to pay your entire deductible to the roofing company. *See Texas Law HB2102 below.
The roofing company will send to your insurance company, photos of all work and cancelled checks showing you made your payments.
The insurance company will then mail you check #2 of 2 (depreciation). This amount will be due to your roofing company upon receipt.
Insurance Estimate $20,000
Net Claim (Check #1) $12,000 (paid to your roofer upon receipt)
Deductible is... $2,500 (paid to your roofer upon receipt of check #1)
Depreciation (check #2)... $3,000 (paid to your roofer upon receipt)
Texas law requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of Texas law for a seller of goods or services who reasonably expects to be paid wholly or partly from the proceeds of a property insurance claim to knowingly allow the insured person to fail to pay, or assist the insured person 's failure to pay, the applicable insurance deductible. This is a Class B misdemeanor. A Class B misdemeanor is punishable by up to 180 days in jail, a $2,000 fine or both.
If you have any questions about the process, You can contact us by email: michael@mvprnc.com
© 2023 MVP Roofing and Construction, LLC. All Rights Reserved. Website Crafted by NuBrand
