How To File An Insurance Claim

Filing a claim with your insurance company can be overwhelming and frustrating.  Rock Canyon Roofing is here to simplify the process and educate you about your rights throughout the process.

• Call your insurance claim number to file the initial claim.
• Call Rock Canyon Roofing for an initial inspection.
• Set up an appointment for your Rock Canyon Project Manager to meet with you and the insurance adjustor at the property.
• Once your receive the initial claim settlement from the insurance company, share it with your project manager so that you can discuss deficiencies and schedule installation of the new roof.
• The insurance company will send a partial payment to you with the settlement.  The balance will be in a second check (this includes the depreciation and supplemental claim amounts) once you have decided what material and color you want for your roof,  Rock Canyon will get the material delivered and stacked on the roof.  At this point, and NEVER before, we will obtain a deposit check from you.  NEVER GIVE ANY CONTRACTOR MONEY PRIOR TO THE MATERIAL BEING IN YOUR POSSESSION.
• Day 1 of your roof installation is tear off of the old roof.  Be sure to clear the driveway of vehicles and any other items that could be in the way during tear off and installation. Most residential roofs will be removed and replaced in one day.  We never leave a roof open to the weather overnight.
• Some counties require a mid-roof inspection.  Your project manager will schedule that with the county or city entity responsible.
• Upon completion of the roof, there will be a final inspection by the city or county entity as well.  Your Project Manager will schedule it and set the ladder for the inspector.
• Once the project is complete and all punch items have been repaired, a final supplement will be sent by Rock Canyon to your insurance company to make sure you get fully paid for the roof replacement.  These additional items that you are entitled, but are not limited to, include depreciation and supplemental items such as permit fees and any code upgrade items.   NEVER ALLOW THE CONTRACTOR TO RECEIVE THE CHECKS DIRECTLY FROM YOUR INSURANCE COMPANY,  YOU NEED TO BE IN CONTROL OF THE MONEY.
• Once you have been paid out in full from your insurance company, Rock Canyon will issue you a final bill for the balance due.  The final bill, in most cases, will only be for the amount the insurance company has paid you plus your deductible.

NOTE: it is against the law in Colorado for a contractor to pay, offset or reduce your deductible.  If a contractor offers to waive your deductible, be very wary of this contractor.

As we all know, the insurance company is out to save money and pay out as little as possible on your claim.  Rock Canyon Roofing has the experience to help you get the payout you deserve from the insurance company.