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How to process an insurance claim for your commercial roof

19 Aug 2015 | Under Roof Insurance Claims, Roofing | Posted by | 0 Comments
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Your business building’s roof was just damaged in last week’s storm. What steps do you need to take to process your insurance claim?

Do you call your insurance company first, or do you call a roofing contractor? Do you automatically file a claim, even for a seemingly small amount of damage? How long does it take to replace your commercial roof? These are all questions many business owners face after their roof is damaged during a storm.

Hopefully a recent storm hasn’t compromised your roof’s quality, but if it has, there are some specific steps you need to take to help your insurance adjuster.

On-site inspection

The first step in processing your insurance claim for a commercial roof is to obtain a certified inspection by a qualified roofing contractor, like R&A Contracting. A good roofing contractor can determine whether you need to file an insurance claim. They should inspect your roof and your surrounding property for signs of damage. You don’t want to file an insurance claim unless it’s necessary.

Many roofing contractors provide free on-site inspections. Click here to schedule your free, no obligation on-site inspection with R&A Contracting.

Filing a claim

If your roofing contractor believes your claim is worthwhile, they should give you instructions on how to file a claim with your insurance provider. You should be able to file a claim through your insurance provider’s website or direct phone number. This begins the official claims process.

Insurance adjuster review

The next step is an on-site review by a claims adjuster from your insurance provider. They can often meet with the roofing contractor at your property so that the contractor can professionally represent you and your concerns to your insurance adjuster. It is vital that you have a roofing contractor present to help present your case.

If your insurance adjuster approves your claim, they will submit paperwork and an initial check to cover replacement costs. The remaining balance of the claim will be paid once the roof replacement is complete. If any details or additional work is required, you and your roofing contractor can work together to ensure all necessary details and damage are covered.

If your commercial roof is in need of repair, call R&A Contracting to schedule your free, no obligation on-site inspection. We can help you process your insurance claim effectively and defend your case to your insurance provider. We’re St. Louis’ leading commercial roofing contractor and we’re here to serve you!

I’d be an idiot if I did not take this opportunity to communicate to you how much we appreciate the way in which you conduct business and take care of our facility. In my experience you, and your team, are at the top of the list of all the roofing companies I’ve dealt with over the years. Thank you!

Jim Lowry - Bissinger's Handcrafted Chocolatier

Eric and crew were really nice to have around. They were courteous, careful and caused little if any disruption. Their work looks good too! To be honest… a good experience with a product that I initially had misgivings about. I’m a convert because of Bubba, Sam and Eric. Thank you.

Jim Lowry - Bissinger's Handcrafted Chocolatier

“I want to thank the crew at R&A for a job well done on our very leaky roof at the shop. It is certainly nice to have the drips and rivers gone from the shop when it is raining. I also wanted you to know how much we appreciated that the guys were able to stay out of our way and allowed us to do business as usual without any problems or interruptions. The roof looks great and the clean-up after the job made it so we couldn’t even tell you’d been here. Thanks for doing what you do so well!”

Jay Moore, President of Safe Way Tire and Auto Center

“My wife and I were on vacation when water pipes burst in our house. We got a hold of Craig and the R&A crew was able to start evacuating the water immediately. The best part was that they were able to start work before we even returned home. It was a very fast turnaround considering the extensive amount of water damage.”

Will from Dardenne Prairie, MO

“Craig and Mike came out in a timely fashion when we needed the work done. They did a reliable and quality job.”

Jerry from SLR Properties

“Craig helped us out tremendously with the insurance process. Timely and very professional.”

Lindell from Greater Missouri Builders (GMB)

“We purchased a house and there was some damage to the roof. Very impressed with the thoroughness of Mike’s inspection. Very comfortable with their explanation of what needed to be fixed. Most impressive was the way they protected our landscaping. Really liked the way they treated me as a valued customer, even though it was only a small project.”

Ross from Troy, MO

“I use R&A Contracting when my commercial roofs receive storm damage. They work on our behalf through every step of the insurance claim process. They perform all of the work and complete the insurance process, making our roofs better than they were before the storm.”

Director of Facilities for a large Property Management Company

“The team at R & A Contracting responded immediately when notified of our water disaster. They removed water-damaged materials and property quickly and restored our home even before the final settlement from our insurance company. They minimized how long our family had to live in a hotel and got us back to normal as fast as possible.”

Will from O'Fallon, MO