$250 Claim Agreement

for our assistance on roof replacement with your insurance claim. For our assistance with your roof replacement insurance claim, you commit to hiring us to replace your roof for the amount we negotiate with your insurance carrier. We guide you through the denial/approval process and ensure you receive reasonable compensation for your roof.**

When you choose Roof It Right for your roof replacement with an insurance claim, you’re entrusting your home to a company that does things the right way. Whether you opt for a budget-friendly solution or a full-system replacement, we’re committed to providing a roof you can count on, backed by our lifetime workmanship guarantee. We’re the right people with the right process.

Our expertise in handling insurance claims means we understand the reasons insurance companies use to deny coverage, and we can proactively address these issues. Roof replacements are a major investment—why risk it on chance?

Timing is also crucial. Today’s storm damage can easily be classified as natural wear and tear if left unclaimed for too long, and most policies limit coverage to a specific period (typically within one year). Our storm monitoring program ensures we can pinpoint the right time for your claim.Not all claim denials are legitimate, and we know exactly what insurance should cover. Even some valid denials can be overturned with our expertise. Don’t take chances on your claim without us.

Finally, initial offers from insurance companies often place homeowners on a very tight budget. But your home is one of your most valuable assets—why settle for less than it deserves? At Roof It Right, we’ll work to maximize your coverage, so you get the quality and peace of mind you deserve.

Discover Essential Insights on Roof Insurance Claims with Roof It Right!

This informative video from Roof It Right provides valuable insights into the complexities of roof insurance claims. As your trusted roofing company in Louisville, KY, we walk you through important details like policy coverage, the benefits of filing claims promptly, and how professional roofers can help you maximize your insurance benefits. It’s a must-watch for Louisville homeowners who want reliable advice on navigating roof insurance claims.

Watch now to gain expert tips and guidance!
#RoofInsuranceClaims #LouisvilleKYRoofing

Please note: While this video offers valuable information, our claim process has been updated. To learn about our latest procedures and terms, including the importance of our claim agreement, please refer to the following information below.

** Understanding the Roof It Right Insurance Claim Process

At Roof It Right, we deeply appreciate the trust our customers place in us. If you’re considering hiring us to handle your roofing insurance claim, we want to make sure you fully understand the process before we get started. Roof damage from storms or other weather events can be stressful, but our team is here to guide you every step of the way.

In this article, we’ll break down the key parts of the claim process and explain how we work with you and your insurance company to ensure you get the best possible coverage for your roof repair or replacement.

1. Understanding Your Insurance Policy

The first thing we do is help you understand your insurance policy and determine whether you have coverage for a full roof replacement or only partial repairs. It’s important to know if your policy includes replacement cost coverage with recoverable depreciation and whether you’re prepared to cover your deductible.

One of the biggest challenges of the insurance process is that all three parties involved—you, us, and your insurance company—have a financial interest in the outcome. The way your policy is written can affect what is covered and what isn’t, depending on the level of protection you chose when purchasing your insurance.

Some policies are more affordable but come with exclusions, while others include comprehensive coverage with higher premiums. The policies themselves can be complex, and even insurance representatives sometimes struggle to interpret them correctly. Here at Roof It Right, while we can’t interpret insurance policies or provide legal advice, we have extensive experience working with insurance claims and know what insurers typically cover when it comes to roofing.

2. Our Role in the Claim Process

At Roof It Right, we work on roofing claims every day, so we know what insurance companies are likely to cover for your roof repairs or replacement. Our role is to ensure that we help you achieve the best settlement possible with your insurance company, while also offering guidance based on what’s worked for other customers in the past.

If you need a more thorough policy interpretation, we can bring in a licensed public adjuster, appraiser, or attorney to help. While some homeowners feel like they’re in a battle with their insurance company, we view it as a civil negotiation. It’s about finding a fair settlement based on the coverage in your policy.

3. Protecting Our Investment and Ensuring Your Commitment

Before we start the claim process, we need to protect our investment and ensure that you’re committed to hiring us for the job. This means that no matter what your insurance company compensates for, you agree to move forward with Roof It Right for your roof replacement or repairs.

We won’t begin investing time, materials, or resources unless we see a clear opportunity for a full roof replacement. A key factor is understanding what exclusions your policy might contain.

4. What Your Policy Covers: Ordinance and Law Endorsements

For example, if your policy includes Ordinance and Law endorsements, we can apply for necessary updates to your roof, such as attic ventilation, roof deck recovery, flashing, and ice barriers, even if these items weren’t part of your original roof. If your policy doesn’t cover these items, you’ll have the option to pay for them or opt out.

We believe in complete transparency, and we’ll walk you through what’s covered and what’s not, so there are no surprises.

5. Signing the Claim and Construction Agreement

To move forward, we need you to sign a Claim Agreement, which will eventually lead to a Construction Agreement. This ensures that after we prepare the scope of work, the job will be ours to complete. Preparing the scope of work requires significant effort on our end, and we only want to proceed once the claim agreement is in place.

We understand that some customers, especially those who haven’t worked with us before, may have concerns about signing an agreement early in the process. Let us assure you that our scope of work will include all the necessary repairs, plus the recommended items from shingle manufacturers, OSHA regulations, and local building codes.

6. Negotiating with Your Insurance Company

When we prepare your claim, we shoot for the stars in our scope of work. That’s because it’s in your best interest for us to include every possible line item that your policy might cover. Insurance companies never pay for everything we ask for, but we negotiate to find a fair settlement that’s in line with your policy.

It’s important to note that we don’t dictate the prices for each line item—your insurance company does. The pricing comes from the software that insurance companies use to negotiate coverage. What the insurance company will challenge is which line items should be covered, based on your policy. This is where we might involve third-party experts like public adjusters or attorneys if needed.

7. Your Options After the Negotiation

After we’ve negotiated with your insurance company, you might find that certain items aren’t covered. At that point, you’ll have a choice: you can either pay for those items out-of-pocket or opt out of them. But rest assured, regardless of the outcome, Roof It Right will replace your roof, whether it’s with a complete system that meets all manufacturer specifications or a more budget-friendly option.

8. Why Choose Roof It Right?

At Roof It Right, we believe in doing things the right way, with complete transparency. Our goal is to ensure you understand every step of the process, from what’s covered in your policy to how we’ll handle your roof replacement. And with our lifetime workmanship warranty, you can trust that your roof is in good hands for years to come.

If you have any questions about the claim process, don’t hesitate to reach out to us. We’re here to guide you through it and make sure you get the best possible outcome for your home.

In this video, the owner of Roof It Right guides potential customers through our process to ensure a clear understanding of how we handle insurance claims for roofing projects.

Full text of the latest disclaimer you can find on the PDF link.

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