INSURANCE CLAIM PROCESS

Before You File a Claim

If you think your roof or property has been damaged by a storm, contact a local roofing company, like CIG Construction, to come out and inspect your property.  At this point, you are not filing a claim, just starting the information process.

Meet With Your Contractor

Next, schedule an inspection with the selected contractor. You want to do this before an actual claim is filed. The damage may not be as great as you think.  To keep a clean record and avoid premium increases, don’t file a claim until hail damage is verified. We can help review your policy and help you assess if your loss will exceed your deductible. If it is less than, or close to, your insurance deductible, filing a claim may not be in your best interest.

File Your Insurance Claim

File your insurance claim if your contractor’s scope for repairs warrants filing a claim. Your insurance company will schedule an adjuster to inspect your roof to approve and process your claim. Schedule a time when your contractor can also attend this inspection. It is very important that a contractor is present with the insurance adjuster. CIG Construction will be your advocate during the insurance inspection.

Meet With Your Adjuster

Your contractor will be able to represent your needs and make sure that the adjuster is aware of all damaged areas. Having an experienced and professional company represent you during the inspection will ensure your claim is not under paid. CIG Construction will ensure damage and repairs are documented and a clear and complete scope of loss complies with the local building codes in the area. A clear and complete scope of loss helps you get a fair, full and prompt insurance claim settlement.

Claim Approval

Once your insurance claim is approved, go over the details of the insurance coverage with your roofing contractor. This will allow you to ask any questions you need regarding the repair work and the warranty the contractor will provide. This is where the claims specialists at CIG Construction can help you understand all repairs the insurance company is covering.

Time For Your Project to Begin

When you have received the answers to your questions, sign the contract with the contractor and get your roofing repair work scheduled. Your insurance company will provide payment directly to you. You will be responsible for paying the insurance check, depreciation, and deductible to the contractor. Your insurance company will require proof that the repair work was performed. CIG Construction will supply any necessary information for you.