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Your homeowner insurance may help pay to repair the roof damages caused by hail or wind. If you have a leaky roof, missing roof shingles or granule loss/bruising, then your home was affected by wind or hail storms, what we call storm damage.
Shingle Quality Specialist
Flying debris might have collided with your roof, punching holes in it where water can pass through the gaps and leak into your house. Roof leaks can also affect the comfort of your house’s inner temperature.
Ask your roof inspector to evaluate the condition of your gutters since these may have separated from your roof during violent storms.
Loss of granules is a common consequence of storm damage. Replacing these roof shingles will help maintain the temperature inside your house and furthermore save energy.
We offer emergency roof repairs & tarp services to prevent further damage inside your home. Call us today for FREE roof inspection!
Verify if your roof has hail or wind damage. We will first ask who your insurance company is and if you have had your adjusters inspection. We ask these questions to effectively assist you and provide the hail/wind storm summary report.
File a claim with your insurance company for a roof repair or roof replacement.
The insurance company will send an adjuster to inspect your roof and provide an estimate for a roof repair or roof replacement. The adjuster uses the Xactimate/Symbility regulated pricing software to write the itemized estimate of the approved work scope.
We will then ask you to review all approved work scope and sign formal work, materials, upgrades, and warranty agreements. Then you will choose the roof system, upgrades, and roof shingle color. We will schedule and begin the roof replacement or roof repair work.
-RCV the full cost of the roof repair/replacement.
-Depreciation is the decrease in the fair value of the roof due to age.
-ACV is the Replacement Cost (RCV) minus Depreciation (DEPREC).
The insurance will mail the first check ACV minus your deductible. If the policy is RCV, then recoverable depreciation money will be released upon completion of all work.
Don’t wait another day for other roofers to send you a quote. With us, you can get a free instant roofing estimate in less than five minutes. Don’t worry about annoying salesmen putting pressure on you to make a same-day decision.
Your only out-of-pocket expense is your deductible. TexasHB2102 Section 27.2 Texas requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. Insurance companies will request reasonable proof of the deductible payment before releasing the final claim check to the policyholder. The new law makes it a Class B misdemeanor (punishable by a jail sentence of up to 180 days plus a $2000 fine) for contractors to pay, waive, absorb, rebate, credit, or otherwise decline to charge or collect the property owner deductible.
ACV 1st Insurance Check I due after roof completion. 2nd Payment – Insurance check may require mortgage endorsement. JC&C offers the service to express mail the check to your mortgage and return it to you. We share the USPS tracking number. After the job is completed, JC&C will send the insurance company the final invoice, proof of deductible payment, and photos of the completed work with or without supplements.
RCV- Recoverable Depreciation Final Check 3rd Payment. Sometimes you will also have a check issued and listing the mortgage, and we will need to send it to the mortgage. Just let us know so we can proceed with mailing it with respective mortgage forms.
-Do not sign checks when sending to a mortgage unless requested by your mortgage company.
-Manufacturer warranties will be registered after all payments have been submitted and payment receipts will be sent.
After the roof is damaged from a natural disaster; such as hail, wind, tornado, or hurricane, a homeowner must work through the insurance claim process in order to get their property back in its best working condition. At, JC&C Roofing Company, we understand that navigating through claim paperwork, and roof repair or roof replacement estimates can be an exhausting, and sometimes confusing task. We’re here to help you have a transparent experience and give you information on what XACTIMATE estimates are and how they are calculated by the insurance company.
Insurance carriers, adjusters, contractors, and legal professionals use a third-party pricing system, called Xactimate, to determine how much a roof should cost. Since all parties agree to the pricing of Xactimate the difference in calculated roof costs items or steps is included or excluded. The pricing aspect should be equal and allow homeowners to pick the best roofer, not the cheapest roofer. Insurance pricing is set by Xactimate; the only way the quote to be different is when items are added or omitted. Contractors set the scope of work required for the insurance company to approve.
We are certified by the roofing manufacturer to ensure that every roof we install has the warranty for your investment. We work safely to ensure your new roof is solidly in place and performs the way the manufacturer designed it to.
