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Contact a Roofer Before Calling The Insurance Company

Dec 12, 2023

In the realm of home maintenance and repair, roof issues can often lead to a reflex action of contacting the insurance company. However, as experts in the field advise, reaching out to a roofing contractor first can be a more prudent and cost-effective approach.

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Why Contact a Roofer First?

When homeowners notice issues like missing shingles or ceiling stains, their immediate reaction might be to file an insurance claim. However, this can be a costly mistake. Roofing contractors can often address these issues with simple repairs that are more economical than the homeowner’s insurance deductible.

Saving Money and Avoiding Frivolous Claims

In many cases, a roofing contractor can provide a repair quote that is around or just below the insurance deductible. This not only saves money in the short term but also helps in avoiding unnecessary insurance claims, which could negatively impact your insurance record.

The Role of the Roofer in the Insurance Process

When a roofing issue does warrant an insurance claim, having a seasoned roofer by your side can be invaluable. They understand the intricacies of dealing with insurance companies and can guide you through the process.

Filing the Claim with Expert Assistance

A knowledgeable roofer can assist in filing the claim, often initiating a three-way call with the insurance company to explain the roof’s condition accurately. Their expertise ensures the right adjuster is sent out, contributing to a fair and thorough inspection.

Ensuring Fair Treatment and Thorough Inspection

Roofers can play a crucial role in slowing down the process to ensure that every aspect of the roof’s condition is properly documented. This step is vital for a fair assessment by the insurance adjuster.

Understanding Insurance Estimations and Upgrades

Insurance companies use a software system called Xactimate to determine repair costs and necessary upgrades. Experienced roofers are adept at navigating this system to ensure homeowners receive the best possible roof, complete with current code upgrades and additional features like gutter guards or new flashing for skylights.

The Impact of House Bill 423 on Roof Claims in Georgia

House Bill 423 has significantly altered the landscape for roof claims in Georgia. It explicitly states that roofing contractors cannot cover insurance deductibles or provide monetary incentives, which is now considered insurance fraud.

The Three-Check System

Georgia’s insurance operates on a three-check system, taking into account the replacement cost value, depreciation based on the roof’s age, and the homeowner’s deductible. Understanding this system is crucial for homeowners to ensure they’re adequately compensated.

Navigating Deductibles and Actual Cash Value

Roofers can help homeowners understand the breakdown of payments, including the actual cash value of the claim and the subsequent release of depreciation funds to cover the replacement cost value.

The Risks of Illegal Practices and Contractor Reliability

Homeowners must be cautious of contractors who offer to waive or absorb deductibles, as this is illegal and constitutes insurance fraud. Working with a reputable company ensures adherence to legal standards and the provision of a reliable manufacturer warranty.

The Importance of Manufacturer Warranties

In an industry without a licensing body in Georgia, a manufacturer warranty becomes even more crucial. It guarantees that the roofing work is up to par and provides a safety net against contractors who might leave the state or go out of business.

Conclusion

Before reaching out to your insurance company for a roof-related issue, consulting with a skilled roofing contractor is advisable. Their expertise not only saves money but also ensures that any insurance claims filed are justified and handled correctly. This approach helps homeowners navigate the complex insurance process, avoid legal pitfalls, and secure a roofing solution that is both durable and compliant with industry standards.

A Proven Record of Exemplary Service

Read Rave Reviews From Our Satisfied Customers

★ ★ ★ ★ ★
Roofing Done Wright was great to work with. On time, professional and 100% satisfied with my roof and gutters.
Mike P.
★ ★ ★ ★ ★
Jonathan and his crew did an exceptional job! He far exceeded my expectations. Thank you, Jonathan!!
Marsha S
★ ★ ★ ★ ★
Roofing Done Wright did a fantastic job installing our roof from start to finish. I strongly recommend them!
Terry B.
★ ★ ★ ★ ★
Very responsive company and got the job done well and timely. Highly recommend.
K.N.C.
★ ★ ★ ★ ★
They did an excellent job. I would recommend them and I have done so. They are very professional, and they did an outstanding job.
Ken P.
★ ★ ★ ★ ★
I was very happy with the professionalism and thoroughness of my representative that worked with me from beginning to end. I was very happy with the services and consultation advice throughout the entire project.
Susan C.
★ ★ ★ ★ ★
Solid company that I refer my Real Estate clients to for all their roofing needs! Ward and Paul are AMAZING to work with. They are punctual and very accommodating. I have and will continue to recommend them.
April R.
★ ★ ★ ★ ★
As a Realtor, I rely on professionals like Paul McCalla to inspect roofs when listing homes and when I have a buyer. Paul has also worked on my personal Home roof. He is always on time ,explains the issues and honest.
Kay M.
★ ★ ★ ★ ★
I have gotten to know Matt Hopkins and Roofing Done Wright through my networking group. Matt is an outstanding guy who only operates with honesty and integrity. This roofing company is more concerned about customer service and taking care of people than they are the bottom dollar. They understand putting the customer first and they guarantee their work. Give them a call!
Jillian P.
★ ★ ★ ★ ★
This company is a well oiled machine! They are professional, efficient, reasonably priced and good communicators. I am on the HOA Board in a condo complex and they completed over 62 units for our community in a timely manner. I have already recommended them to two people. They are awesome!
Freedom M.
★ ★ ★ ★ ★
As a Property Management company, we interact with a great deal of contractors daily. One stands out above all the others. Ward Metcalfe and his team are amazing to work with. They always arrive when they say they will and get the job done on time. Good contractors are hard to find and I am glad we found them! Thank you!
Success Real Estate Brokers
★ ★ ★ ★ ★
Gatekeeper manages several hundred rental homes, and I own several dozen houses myself. Ward Metcalfe at Roofing Done Wright is our "go-to guy" for residential roofing. Quality is significantly better than the others we have tried. Customer service working with insurance companies is just great. He has saved us thousands. Ward Metcalfe is simply a good guy to boot! He really knows roofing.
Brett V.
★ ★ ★ ★ ★
Jonathan Holiday, the contact, was very responsive, professional, and delivered everything he said he would. His crew, Jacob, was excellent. Everyone was so personable, showed up, and they knew exactly what they were doing. Roofing Done Wright came highly recommended and they did not disappoint.
Randy H.
★ ★ ★ ★ ★
All of the requests that I asked to be done, Roofing Done Wright actually went above and beyond.
Ari K.
★ ★ ★ ★ ★
This company did a great job! I would definitely hire them again. Houston helped us pick out everything for our new roof and gutters. He was great. He knows a lot about the roofing business and was very helpful. Skyler was the onsite supervisor when our new roof was installed. He was also great and very knowledgeable. We are very happy with our new roof and gutters.
Rod C.

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