Insurance Claim Help From Expert Roofers in Anderson, SC

Making Your Insurance Claims Process Easier

Information Concerning Storm Damage Claims

Insurance Rates

Wind and hail damage is considered an "Act of God" or natural catastrophe. The company will not raise your rates due to storm claims. They may, however, look at overall storm claims for an area and adjust all rates in the area accordingly.

Qualified Hail Damage

Insurance adjustors usually choose a random 10' x 10' area of your roof to evaluate the number of hail impacts. The company typically requires that there is damage on at least 2 slopes of the roof.

Bids for Roof Replacement

Rather than providing a quote for the damage, Dolly's Roofing has found in most cases we can work with the insurance company's pricing. In some cases, we may file a supplement request with the insurance company and ask them to work with us to agree on a fair replacement price.

Generally, your only cost will be your deductible, unless you ask for additional work or upgrades that are not covered under the claim.

Replacement Cost Policies

Most homeowner's insurance policies cover the full replacement cost of the damaged roof (check your policy or call an agent to see if you have replacement coverage). The insurance company will typically cover the payment in two installments.

• The first payment covers the current value of the roof.
• The second payment is the depreciation and is sent after the paperwork from the roofing company has been received stating the work has been completed.



Part of our service to you is to submit the Certificate of Completion to the insurance company on your behalf.

Mortgage Companies

If you have a mortgage on your home, and the value of the check is large enough (based on the insurance company's figures), your check will be made out to the policy holder and the mortgage company. You will need to contact your mortgage company and request their endorsement on the check.

Local companies typically have you come to their office. If your mortgage company is out of town, the check will need to be mailed to them. They will return the check to you. This usually takes two weeks, although some mortgage companies may take longer.

How We’ll Help You With an Insurance Claim

If you believe your home has suffered from storm damage, these are the steps to file an insurance claim to repair your property:

1. Contact Dolly’s Roofing for your complimentary roof inspection for storm (wind/hail) damage. Our highly-trained roofers in Anderson, SC will provide their honest opinion and review the process for filing a claim for roof replacement.
2. Contact your insurance company to file a claim. Explain that the roofing company that inspected the roof found storm damage and that you need an adjuster to look at the damage. They may ask for our name and phone number, and will take your name, number, and your policy number to provide to the adjuster.
3. The adjustor will call to set up a time for the visit.
4. IMPORTANT - get their name, number, and appointment time. You don't need to be there unless the adjustor needs to look at damage inside the home.
5. VERY IMPORTANT – Dolly’s Roofing would like to be there when the adjuster arrives. We are committed to providing legitimate claims to the insurance company. When they see us on-site, they know that a reputable company is working with their policyholder.
6. If the claim is approved, the adjuster will either give you the first check or will mail the check after the paperwork is completed, usually in 5 - 10 days.
7. Once you receive your paperwork and your first check, please contact us. Our roofers in Anderson, SC will come to your location and help you pick out shingles, review the paperwork and sign your contract. At this time, we may collect the first insurance check.
8. We will schedule the roof installation as quickly as possible. Most roofs will take 2-3 days to replace, depending on the weather and other factors.
9. Certificate of Completion - when we complete the work, we will send the certificate to the insurance company so they know the roof has been replaced. The insurance company will release any funds that may have been withheld in the first check.
10. When you receive the final check, call us and we'll come to you to collect the balance. The total cost of the work is the amount covered by the insurance company, your deductible, and the cost of any additional work outside the claim that you requested.

We have ample experience dealing with insurance companies and our customers to make sure that you’re getting the most out of your insurance coverage after a storm. If you think you may have sustained storm damage, it’s important to get it checked out as soon as possible. It’s important to have your roof repaired as quickly as possible to keep your home in the best possible condition for you and your family.