What happens after I file a hail claim on my roof?
After you file, your insurance company sends an adjuster to inspect the damage and write an estimate. With most replacement cost policies, the insurance company pays the actual cash value first, minus your deductible. Once the work is complete, the remaining depreciation is usually released. Receiving two checks is normal.
Start with a roof inspection
Before you file a claim, it helps to know whether your roof has storm damage. A roof inspection shows what was damaged and where.
Hail damage is often hard to see from the ground, so an inspection is the best way to find out whether a claim makes sense.
The adjuster’s inspection
After you file, your insurance company sends an adjuster to inspect your property. The adjuster checks each slope of the roof for damage and writes an estimate of the repairs the policy will cover.
The adjuster’s estimate is what the rest of the claim is based on, so it should include all of the storm damage.
Actual cash value and replacement cost
Many Texas homeowners policies pay replacement cost value. With these policies, the insurance company first pays the actual cash value, which is the estimate minus depreciation and your deductible.
After the work is finished and the final invoice is submitted, the insurance company releases the recoverable depreciation. If your policy pays actual cash value only, there is no second payment, so it is worth checking your policy before the work begins.
If you have a mortgage, your lender may be named on the insurance check and may have its own process for releasing the funds.
What is a supplement?
A supplement is a request to add items to the approved claim. Supplements are common when damage is found after the old roof is removed, or when an item was left out of the original estimate.
Frequently Asked Questions
How long does the whole process take?
The time it takes to get a claim approved varies. Once the claim is approved, most Triton clients see their project completed within about 14 days.
Do I have to pay my deductible?
Yes. Your deductible is your share of the cost under your policy. We offer deductible financing, so ask about it when you call.
What if my claim is denied?
You can ask your insurance company about a re-inspection. Call us and we can look at your roof and talk through your options.
