If your building’s roof has been damaged, you may be eligible to file an insurance claim to cover the cost of repairs. Our team of experienced professionals can assist you with the entire insurance claims process, from initial assessment to final settlement. We work closely with your insurance company to ensure that your claim is processed efficiently and that you receive the maximum compensation you are entitled to. We provide detailed documentation of the damage, clear explanations of the repair process, and thorough estimates of the repair costs. With our commitment to exceptional customer service and expertise in roofing repair insurance claims, you can trust us to handle your claim with professionalism and efficiency. Contact us today to learn more about our roofing repair services and how we can assist you with your insurance claim.
You will receive an estimate from the insurance company. Ruffin Roofing will review the
estimate. If the price in the estimate matches ours, we will immediately begin the replacement/repair work.
In case there is a difference, please refer next step.
If there are differences in the estimate we will contact the insurance company to resolve the issues with additional document supplementation. Most differences can be settled over the phone, but on occasion an adjuster from the insurance company might have an in person meeting with us.
In case of any depreciation, we will give copies of the invoices from Ruffin roofing,
with the certificate of completion and receipts. You will submit these to your adjuster from your insurance
It is possible that there are some applicable limits to this claim, depending on the nature of your
Requirements for recovering depreciation vary state by state, therefore, please be sure to review
your specific policy and all its endorsements to make sure you follow the necessary steps to obtain any
Disclaimer: All funds including deductible will be paid to Ruffin Roofing. Make all checks payable to Ruffin Roofing.
Replacement cost value is the total cost to replace the damaged item with an item of like and quality
Actual cash value is based on the cost to repair or replace the damaged item with an item of like kind and
quality, less depreciation. In other words, ACV is the value of the damaged item at the time of loss, not when the
item was originally purchased.
Depreciation is the reduction in the value of an asset with the passage of time based upon the age and the
condition of the item being replaced. In other words, it is the difference between RCV and ACV.
A deductible is the amount you pay before an insurance company will pay a claim. You would have chose this deductible when obtaining your policy. Your claim adjuster will let you know when this amount is needed or how it will change your settlement.
You will pay Ruffin Roofing the deductible. Your deductible is subtracted from the total claim value and payment is made to you.
Reimbursement for repair or replacement of your covered damaged items will be in the form of one or more payments depending on the type of coverage you chose. Your policy may have replacement cost coverage on the structure of your personal property. If so, a ‘recoverable depreciation” amount will be listed on the estimate. Upon completion of the work, you may claim up to this amount based on the cost you incurred and subject to any applicable limits. You must have the item(s) replacement or repaired within the time limit identified in your policy. Please refer to your policy language.
Your insurance policy provides coverage only for what you had at the time time of loss. Therefore, any
upgrades you make will be at an out of pocket expense.
It is not unusual to have difference between our estimate and the insurance estimate. We want to provide you with the best service possible, while the insurance companies will estimate at much lower cost wanting to provide the bare minimum. Whenever there are differences, we will work with your insurance company to resolve the issues.
Disclaimer: laminate shingles are an upgrade from 3 tab. There is a minimum charge for the upgrade on top of insurance