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What is an Adjuster?
- An adjuster evaluates damage from a covered loss, interprets policy and writes checks for the insurance company.
What is the claims process?
- Step 1. After filing a claim, your insurance company will assign an adjuster to handle your claim.
Step 2. The adjuster will complete an investigation of the damages and issue a check for any covered damages.
Step 3. Property owner has repairs made
Step 4. Insurance pays for repairs.
What's an insurance supplement?
- A supplement is simply the difference between the actual cost of repairs and what the Insurance company estimated.This can be a result of pricing, scope(additional items), permits, and code requirements in many cases.This can be large items that are known ahead of time and need pre-approval or items that are discovered during the repair process and submitted with the final invoice.
How do supplements work?
- If there's a difference in cost between the Insurance company and the Contractor of Choice to complete the covered repairs.The Contractor's estimate is provided to the Insurance company as a supplement to reconcile the differences and determine coverage.This is where a knowledgeable Contractor will assist with documenting(Photos, manufacture specs, permits, code requirements) the file for the adjuster to make sure repairs can be completed to industry standards.
How do we help you with supplements?
- As a Contractor, you need to be walking projects, coordinating work with subs and property owners, handling sales, and all the other things that require your daily attention. We work with you to get the right photos when you're on site and take over the supplement process from there. We complete estimates, provide code docs, permits, and manufacture specs to the insurance company as needed. We do all the follow up calls and explain the need for supplemented items so you can be out selling the next job. We get the updated Insurance approval so you can complete the repairs and collect payment faster.
Roof Inspection checklist to prepare for an adjuster meeting.
- 1. Pre-Inspection Preparation:
- Carry a camera or smartphone for photo documentation.
- Have a chalk or marker to highlight damaged areas.
- Use a drone for a preliminary overview if available.
- 2. Inspecting for Hail Damage:
- Check for obvious signs of hail damage on the roof's surface: dents, cracks, or missing granules on shingles.
- Inspect metal components like vents, flashing, and gutters for dents.
- Look at the siding, windowsills/casings, and air conditioning units for collateral hail impact damage..
- Use chalk to mark damaged areas for easier identification by adjusters.
- Take close-up and wide-angle photos of all damaged areas.
- 3. Documenting the Damage:
- Record the size of hail impacts using a ruler or coin for scale in photos.
- Note the date and time of the hail event if known, and the date of inspection.
- Prepare a written summary of the findings, including the extent and type of damage.
- 4. Preparation for Insurance Adjuster's Inspection:
- Compile all photos, videos, and written documentation neatly.
- Ensure all marked areas are easily accessible for the adjuster.
- If temporary repairs were made, document the damage before and after repairs.
- Be ready to walk through the inspection findings with the adjuster.
- 5. Post-Inspection:
- Provide the homeowner with a copy of the inspection report.
- Discuss the next steps in the repair process and timeline.
- Offer to be present during the insurance adjuster's inspection to advocate for the homeowner.
We will provide a complete list of recommended photos to maximize the work you are doing as part of the onboarding process.