Insurance Claims Process
Here at KEE roofing®, we do everything in our power to make sure your insurance estimate is written properly to include all items related to your full roof replacement, according to South Carolina building codes and manufacturer installation specifications. We know how frustrating it is to deal with insurance claims, so one of our experienced specialists will thoroughly inspect your roof to determine whether there is enough external damage to justify filing a claim. If the inspection is not of the highest quality, all of the time you put into filing a claim could go to waste. This is why we put special emphasis on the initial inspection!
Storm Damage Repair
After we observe storm-related damages, we will be sure to discuss their extent and repair options with you. If a claim is justifiable and you want KEE™ to help you with your claim, we will sign a simple service agreement. If your claim is denied, you are under no obligation to move forward with KEE™ for your repairs. If your claim is approved KEE™ will perform all repairs and you are responsible for any costs not covered by your insurance company, concerning any upgrades or additional work that you might like performed outside of the insurance claim scope of work. Normally, if we are only completing the scope work outlined by your insurance company and you have a normal Replacement Cost Policy with code upgrades (RCV), your only financial responsibility is for the amount of your deductible.
KEE Roofing® uses the same Xactimate estimating software that most all insurance companies use. The Xactimate estimating software predetermines the dollar amount of your estimate. Xactimate determines the “fair market price” for material and labor per your property zip code and is updated every 30 days. This means we are not “arguing over price” with your insurance adjuster. The price is already set in Xactimate for both the adjuster and the contractor. By using Xactimate, we are simply comparing “apples to apples” regarding what line items are present in the insurance adjuster’s scope of loss and what line items are missing in order to do the job properly. More often than not, what is missing from your initial insurance estimate are required South Carolina current building codes and/or manufacturer installation required line items. This means we are able to provide you with a highly accurate and detailed damage repair estimate that you can present to your insurance adjuster. Don’t be surprised if our estimate is a bit higher than the scope of loss presented by your adjuster; our 31-point inspection is extremely thorough and likely includes more repair line items than your insurance adjuster’s inspection will have revealed.
We understand that this process may seem overwhelming for customers, but that’s what we’re here for. We specialize in insurance restoration for this very reason. We are here to guide and assist you throughout the entire process.
Approval & Denial
At KEE™, we assist the Adjuster during his or her inspection by showing them the damaged areas we identified, rather than bully them into approving the claim. We deliver our estimate and discuss the course of action we feel is best. If your claim is denied, we want to understand the Adjuster’s point of view; if we still feel there is a justifiable claim we’ll urge you to file for a second inspection or a re-inspection with a different adjuster. If the claim is approved you will usually receive a check within 10 to 14 days of the Adjuster inspection. As the check is also often addressed to your mortgage company, we will assist you with any documentation the mortgage company requires to release the funds.
A New Roof
After all is said and done, it’s time to choose your new roof! We will bring several material samples, and once you’ve made your choice, we will decide on a date to perform the work. We perform inspections before, during and after completion to ensure that your new roof has been installed correctly and to your complete satisfaction.
An Easier Way
By putting your trust in our licensed and experienced professionals, you are able to save loads of time and stress! Storm damage claims usually require that one meets with the insurance adjuster, schedule meetings with different trade contractors or engineers, and submit detailed documentation to the insurance company. If we find any more damage along the way, we will also handle supplements and submit those to your insurance company for you as well. KEE Roofing® makes this process easy for you by handling all of this for you. We work with your insurance company and use our expertise to prepare an accurate estimate to review with them for approval. Once all of the work is completed, we even invoice the insurance company for the final depreciation.