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What to Expect When You’re Expecting a New Roof!

Your Pets

Dogs and any other animals tend to be frightened by the noise from the roof work, so please keep pets out of the yard.

Removing Vehicles

Please be sure to keep all vehicles off the driveway while the work is being completed ensuring the safety of your vehicle and give room for debris removal.

Insurance Scope

The insurance company will prepare an initial scope of work or estimate for restoration, this is typically a 10-20 page document that describes your damages.

Schedule

Scheduling your roof is dependent on the weather, suppliers, and laborers. Your Account Manager will set up best possible times for your roof to be completed.

Enjoy Your New Roof!

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Supplement

A supplement is prepared by the contractor when the insurance company has not included any item that is necessary for the completion of the restoration. This could be any…

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Insurance company

Your insurance company will prepare an initial scope of work or estimate for restoration. They will usually cut you a check for a portion of that amount with some funds held back; depreciation and deductible. Depreciation will be paid by the insurance company after your contractor sends them the final invoice and notice that the work is complete. The deductible is paid by the customer (customer’s responsibility), not the insurance company.

Mortgage company

If your insurance company has issued you a check that is also made out to your mortgage company, you’ll need to contact your mortgage company loss draft department or claims department. They will give you a list of items they need in order to release the funds to you. This may include the insurance scope, work agreement, W-9 from your contractor, etc.

Supplement

A supplement is prepared by the contractor when the insurance company has not included any item that is necessary for the completion of the restoration. This could be any code upgrades, unforeseen items such as decking under the shingles and permits. Your contractor will send the insurance company an invoice and supporting pictures, etc. to the adjuster for their approval.

The job total on the contract will change after a supplement. This is explained on the addendum of the contract. The insurance company changes their estimate to allow for the supplement, sends an additional check to you and that amount transfers over to the project total.

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