We’ll walk you through the insurance maze and deal directly with your insurance company
If your home has sustained damage in a hail or high-wind storm, call us today and we'll get started returning everything to normal. We'll work directly with your insurance company to repair your home with quality products, and we will work to maximize your claim to ensure your home is brought back to the quality it had before the storm.
The insurance claims process can be a daunting one. Wimmer Roofing and Exteriors will walk you through all of the steps, and handle things for you so that you can go back to your life. Our job is to worry about your repairs for you.
We will meet with the adjuster and point out all of the damage that your roof has sustained. Adjusters can sometimes have a difficult time finding damage and our assistance will add an extra set of eyes to ensure all damage is documented. Your best interest is our top priority and we will work hard to get your claim satisfied by your insurance company.
Contact us today for an inspection of the damage to your home's exterior. We will give an honest assessment and provide a solution to work through the insurance process. Our associates are very experienced with insurance claims, and will work on your behalf to ensure that your roof and/or exterior damage is remedied.
If you feel like you are in the dark when it comes to understanding how an insurance claim gets processed, you’re not alone. Most homeowners in Denver have not been educated on the insurance process as it relates to the policy on their home.
Here’s a snapshot of how Wimmer Roofing typically manages the insurance process:
1. A Storm Hits & Phone Call is Made- you notice or suspect damage on your roof or the exterior of your home. You call a trusted roofer who specializes in insurance claims like Wimmer Roofing to schedule an inspection.
2. Initial Roof Inspection- Wimmer Roofing conducts a thorough inspection of the exterior of your home including an inspection of the underlying decking of your roofing system in your crawlspace or attic.
3. A Claim is Made & Insurance Adjuster is Dispatched- If we identify significant roof damage, we will advise you to call in a claim to your insurance company. The insurance company gives you a claim number and dispatches an insurance adjuster to come out and survey the damage. Ideally, you will schedule Wimmer Roofing to meet the insurance adjuster and act as an advocate for you.
4. Insurance Adjuster Inspection- the adjuster meets with us and conducts an inspection. If the adjuster finds significant damage to justify replacement per their policies, the adjuster writes his/her summary.
5. Adjuster’s Summary & ACV Check- depending on your insurance company, you may receive a copy of the adjuster’s summary that day as well as a check for the actual cash value (ACV) of your claim. The ACV is calculated based on the age of the roof and depreciated accordingly. If you have agreed to work with Wimmer Roofing, a small $100 deposit is collected to engage us and place the order with the supplier. Wimmer typically drafts an agreement based on the scope of work as specified by the insurance company and will work for insurance proceeds.
6. Materials are Ordered & Roofing Construction Begins- materials are scheduled to be dropped on your property. The remainder of the ACV check is collected within a few days, when the work on your roof begins. Upon completion, Wimmer Roofing submits a final invoice to insurance. Depending on the municipality and how the adjuster's summary was drafted, Wimmer may need to submit a request for supplement to the insurance company for additional code required items and/or building permit.
7. Inspection is Scheduled & Final Depreciation is Released- an inspection is scheduled with your municipality. If you have an RCV (Real Cash Value) policy a final check check is released. This check is the difference between Actual Cash Value and Real Cash Value- also known as the Depreciation Check.
8. Your Home Passes Inspection & Final Payment is Made- the building inspector passes your roof based on the requirements set forth by the local and federal building code. Final payment is made and your Roof is certified complete.