Insurance Claims

Insurance Claims GraphicDealing with the insurance companies can be overwhelming. As part of our quality service, we offer our considerable insurance claims and project management expertise. Beginning with our free home and property storm damage assessment, we will walk you through the maze of insurance claims paperwork and processes literally every step of the way!

  • Filing the claim
  • Scheduling appointments
  • Negotiating with the insurance adjuster to make sure all the damage is reported
  • Dealing with the paperwork
  • Reviewing the Loss Summary Report (insurance company’s itemization of repairs)
  • Selecting materials
  • Managing the repairs

It all adds to a lot of time and hassle. We can help!

Our team includes former insurance adjusters. They know the in’s and out’s of the business including the estimating software program – Xactimate – used by most insurance companies to itemize your loss. We will walk you through the process to make sure your home is receiving the necessary repairs needed after a storm.

Contact us for a free damage evaluation by one of our experienced project managers. The manager will answer your questions and assist you in starting the insurance claims process.

You need to call your insurance agent to report your damage. Have your policy number ready as well as the date the damage occurred (i.e. date of storm). Your insurance carrier will assign a claim number along with the name and phone number of the adjuster assigned to your claim. This claim number will be vital for all future contact with your insurance company during your restoration project.

The adjuster will contact you to schedule an appointment to assess your damage. Call our office immediately and give us the date and time the adjuster will be there and one of our project managers will meet with the adjuster. Our project manager will be representing you and your interests to help determine the scope of the repairs to your home.

The insurance company will send you a “loss summary report” which gives an itemized estimate of the repairs the adjuster noted while at your home. In addition, you will receive your first check to initiate the start of your repairs. Your first check is due to Moss upon completion of the first trade (i.e. usually roof).  If your mortgage company is added as a payee on the check, it will need to be sent to the mortgage company for endorsement at this time. Moss can also help with this process.

 

At this time, our project manager will meet with you to go over the loss summary report to ensure all of the damage is included in the report. If any damage is found to be excluded, your Moss project manager will contact your insurance company on your behalf.

Once all items have been agreed upon between the insurance company and contractor, you will then need to authorize the repairs to your home by signing a contract with Moss Roofing. This is typically the time when you will select brands and color with your project manager to be noted on your contract.

Moss Roofing will submit to your insurance company for the depreciated amount (if applicable) withheld from the first check. Moss will continue to follow-up with your insurance company ensuring the payment is issued to you. Once the payment has been issued, Moss will contact you letting you know the check is coming. Final payment is due to Moss upon receipt of insurance check. If your mortgage company is added as a payee on the check, it will need to be sent to the mortgage company for endorsement at this time. Moss can also help with this process.

Note: Not all insurance policies will be replacement cost value (RCV). In some cases you may have an actual cash value (ACV) policy. Please check with your insurance agent to determine what type of policy you have. This will determine the amount of money you will receive for your storm damage loss.

When quality and service counts – talk to Moss!