Roof Insurance Claims

We’re With You Step-by-Step Through the Roof Claim Process

When should you take care of roof damage, and when should you file a claim? Below is what you should know about dealing with insurance.

1) Assess the Damage

Ask an Oklahoma-certified roof inspector to evaluate your damage. Inspecting] your roof at the first sign of post-storm trouble doesn’t hurt, even if you believe the damage is minor.

2) Claim or Not to Claim?

The next step is to decide whether a roof replacement insurance claim needs to be made.

Finding insurance protection could be difficult if you are deemed high-risk due to frequent claims.

Allow one of our licensed roofing inspectors to evaluate the damage before filing a claim.

• Based on forensic evidence, our roof inspectors will advise you whether you need to file an insurance claim.
• During the inspection, we will be on the scene with the adjuster to help them locate the damage.

3) Contact Your Insurance Company

Every day, Belter Roofing collaborates with Oklahoma insurance providers.

Before you call your insurer, we want you to be ready. As a licensed Oklahoma roof contractor, we produce storm damage repair estimates using most insurance carriers’ software for the insurance company.

This enables us to assist you in examining the estimate and collaborating with your adjuster to identify related damage.

Due to their hectic schedules, insurance adjusters frequently overlook crucial issues that should be resolved. We’ll guarantee the accuracy of your insurance claim.

4) You Have Options

Regardless of the severity of the roof damage, our roofers can direct you toward the best roofing option, whether that be a complete residential roof replacement, a metal roof conversion, or commercial roof repair.

All Belter roofs have the highest warranties in the business and are energy-efficient and incredibly strong against Oklahoma’s harsh elements.

5) Beware of unethical Roofers

We want to assist you in avoiding a prevalent type of insurance fraud.

Intentionally misleading an insurance provider to profit from a claim is illegal. It’s common for unethical roof contractors to offer to pay your deductible. That is unlawful in Oklahoma as of November 1, 2022.

Roofers who receive payment from property or casualty insurance proceeds are prohibited from “advertising or promising to pay, directly or indirectly, all or part of any applicable insurance deductible” for rendering any services, according to House Bill 1940, which the Oklahoma State Senate approved on March 30, 2022.

• You agreed to a deductible with your insurance company, which is used to calculate your insurance premium.
• After the repairs are finished, most insurance companies demand copies of the contractor’s invoices. If you submit invoices that don’t add up, your claim settlement amount will be lowered.
• The law requires you to notify your insurance company that you had the work done for a lower price, reducing your claim benefit if a contractor offers to pay your deductible by lowering the cost.

You may frequently receive a visit from out-of-town “door-to-door” roofers offering to inspect your roof following a storm. These roof contractors are chasing the money and may not consider your well-being.

Conversely, Belter Roofing assures you that you’re working with a qualified, insured, and skilled roofing company that can support you throughout the claims and repair processes.

Some contractors will offer to submit two invoices: one with a discount and one with the total claim amount—for you to submit to the insurance company. Please avoid falling for this trick. Fraud is being committed here.

Oklahoma insurance companies have stepped up their enforcement of prohibited transactions.

6) Select a Local Certified Roof Contractor

No matter which roofing contractor you select, make sure they are based in Oklahoma, highly competent, and have solid reviews.

After an insurance company agrees to cover storm-related roof replacement or repairs, you will receive a benefits explanation in the form of an estimate.

Even though the calculations are usually correct, there are situations when repairs cost more than the insurance would cover.

• Once you approve, we, as a professional roofing contractor, deal directly with your insurance provider to ensure that the money is available when repair expenses are higher than anticipated.
• We are aware of the procedures and proper paperwork needed to do this.
• We have collaborated with a network of experts from several trades to ensure the highest quality for each component of your claim.
• We can liaise with your insurance and mortgage companies to ensure that you are never in a challenging situation where you have to pay contractors while insurance funds are still pending.

7) Getting Paid and Paying Your Contractor

The project’s intricacy may affect the payment method. Your insurance provider will provide you with an explanation of benefits, which most policyholders find highly perplexing.

You can be confident that we will be by your side throughout the roof claim process while dealing with your insurance carrier.

Leave all your insurance claim support requirements to Belter Roofing and Construction – A licensed Oklahoma Roof Contractor.