Radiant Roofing, LLC is an expert in dealing with your insurance claim. We have an experienced sales team on staff that can inspect your roof to determine if an insurance claim needs to be filed or if just a repair is needed.

If an insurance claim is needed, we can meet your adjuster for the inspection, or simply help you understand your paperwork after the adjuster has visited your home. We will assist you in getting full value for the replacement or repair of your roof.

Frequently Asked Questions

 Radiant Roofing‘s answers to some frequently asked questions about insurance.

Q. Will I receive the depreciation that my insurance company withheld?

A. Usually. If you spend all the money that the insurance company agreed to pay for your claim you will receive all your depreciation. Any unused portions will revert to the insurance company. However, some policies are ACV “actual cash value” policies which do not allow for depreciation to be recovered.

Q. Why did the insurance company withhold the depreciation?

A. The insurance company wants to make sure you get the work done by a reputable contractor and that you actually use the money for a roof. The age of your roof determines how much money the insurance company holds back. The newer the roof the less is held back. Once the roof is installed and your roofing contractor invoices you, the insurance company will send you your depreciation. Full depreciation will only be paid if the roof is invoiced at full insurance allowance.

Q. Should I get several bids?

A. It is always advisable to get several bids. However, when insurance is paying for the work the dollar amount of the bid is not important as long as it is equal to or less than the insurance company’s estimate. In all such cases you will only be paying your deductible, so your cost will be the same. Therefore, your decision should be based on going with the contractor that you feel most comfortable with and whom you feel will perform the best job.

Q. What if your bid is greater than the insurance company’s estimate?

A. We always try to estimate at standard industry rate. We can usually work with the insurance company and get our bid in alignment with insurance allotment.