Insurance Claims

1. Call us for a Free Roof Inspection
2. Your trained Roofing Solutions Project Manager will thoroughly inspect the property and take pictures of damages, if any.
3. If your property sustained damages, we will call your insurance carrier with you and file a new property claim.
4. Once an inspection is scheduled with an insurance adjuster, we will meet your adjuster and inspect the roof together to find damages and make sure you are treated fairly.
5. When your adjuster approves your new roof, you will need to sign a contingency contract which states Roofing Solutions is your preferred contractor, and any funds disbursed to you will be held in trust for payment of contractor once repairs are completed. CLICK HERE TO VIEW OUR CONTINGENCY CONTRACT
6. After approving your roof for replacement, your insurance adjuster will send you a Scope of Loss outlining his findings of damage and estimated pricing.
7. We will analyze the insurance Scope of Loss and supplement the claim for any errors or omissions, giving you the best budget for quality work.
8. After all supplements are approved you will sit together with your Roofing Solutions Project Manager and sign a work order outlining the work scope and specifying type of material, color choices, and scheduling.
9. In some cases, your insurance loss draft check will include your mortgage company as an endorsee. In this case we will work with you to get the mortgage company endorsement so you can make the funds effective.
10. At the agreed upon date we will tear off your old roof and install a new hand crafted roofing system.
11. Once repairs or replacement are completed, we will send the insurance company a final invoice releasing your recoverable depreciation which is funds they hold back until work is completed.
12. After you are satisfied you would pay Roofing Solutions in Full per the insurance scope, plus the deductible.
13. After final payment is made we will send you a Final Package including a release of lien, 7 year warranty, a copy of your certificate of completion, and a customer review form. CLICK HERE TO VIEW OUR CRAFTSMANSHIP WARRANTY
14. Once satisfied, you can enroll in our Customer Referral Program and start earning extra spending money! CLICK HERE TO SEE ABOUT OUR REFERRAL PROGRAM

Insurance Companies on Oahu

• Allstate
• State Farm
• First Insurance
• Dongbu
• Liberty Mutual
• Nationwide
• HIG
• Travelers
• USAA
• Chubbs
• Horace Mann
• RLI​​
• ​Fairmont
• All Others!

File an Insurance Claim​

Insurance Claim Definitions

​Actual Cash Value – Cost of replacing damaged or destroyed property with comparable new property, minus depreciation and obsolescence. For example, a 10-year-old roof will not be replaced at current full value because of a decade of depreciation.

​Adjuster – A representative of the insurer who seeks to determine the extent of the insurer’s liability for loss when a claim is submitted.

​Agent – Individual who sells and services insurance policies.

Claim – A demand made by the insured, or the insured’s beneficiary, for payment of the benefits as provided by the policy.

​Coverage – The scope of protection provided under an insurance policy. In property insurance, coverage lists perils insured against, properties covered, locations covered, individuals insured, and the limits of indemnification.

Deductible – Amount of loss that the insured pays before the insurance payment is made.

Exclusions – Items or conditions that are not covered by the general insurance contract.

Hurricane Deductible – Amount you must pay out-of-pocket before hurricane insurance is effective. Many insurers in hurricane-prone states are selling homeowners insurance policies with percentage deductibles for storm damage, instead of the traditional dollar deductibles used for claims such as fire and theft. Percentage deductibles vary from one percent of a home’s insured value to 15 percent, depending on many factors that differ by state and insurer.

Indemnity – Restoration to the victim of a loss by payment, repair or replacement. To be made whole or brought back to a “pre-storm” condition in property insurance.

Insurance Adjuster – A representative of the insurer who seeks to determine the extent of the insurer’s liability for loss when a claim is submitted. Independent insurance adjusters are hired by insurance companies on an “as needed” basis and might work for several insurance companies at the same time. Independent adjusters charge insurance companies both by the hour and by miles traveled. Public adjusters work for the insured in the settlement of claims and receive a percentage of the claim as their fee.

Named Perils – Perils specifically covered on insured property.

Peril – The cause of a possible loss.

Policy – The written contract effecting insurance, or the certificate thereof, by whatever name called, and including all clause, riders, endorsements, and papers attached thereto and made a part thereof.

Premium – The price of insurance protection for a specified risk for a specified period of time.

Qualifying Event – An occurrence that triggers an insured’s protection.

Renewal – The automatic re-establishment of in-force status effected by the payment of another premium.
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Replacement Cost – The dollar amount needed to replace damaged personal property or dwelling property without deducting for depreciation but limited by the maximum dollar amount shown on the declarations page of the policy.

Subrogation – The right of an insurer who has taken over another’s loss also to take over the other person’s right to pursue remedies against a third party.

Total Loss – A loss of sufficient size that it can be said no value is left. The complete destruction of the property. The term also is used to mean a loss requiring the maximum amount a policy will pay.​​​​​​​​​​​​​

As provided by http://www.ambest.com/resource/glossary.html

Am I Too Late to File a Claim?

Some insurers will tell you that you have waited too long to file an insurance claim from hail or wind damage. This is simply not true. Your insurance policy states you must notify your insurance company in a timely fashion from the time you become aware of damages. Unless you have had your roof inspected you may not know that your roof has been compromised. Check out this very informative video from Merlin Law Group that explains this situation and how to act.