Denver Roof Insurance Information
Frequently Asked Questions Insurance Claims>
I have a T-LOK roof. How much damage is required to warrant replacement by the insurance company?
Typically the insurance company will replace a T-LOK roof if there is ANY damage. The roof is not repairable. It has been discontinued and is no longer manufactured.
Is hail damage typically visible from the ground?
Hail damage is rarely visible from the ground. An adjuster has to be within several feet of the damaged spot on the roof to see damage.
Why is the first check sent by the insurance company not for the full amount?
Often for claims for $7500 or more the insurance company will pay the depreciated value of the claim. Typically on non-rental properties, the additional money will be sent after the job is complete. This is referred to as "recoverable depreciation".
The adjuster has found more than roof damage. Windows and other things have been damaged. Can AAM also perform these repairs?
Yes. AAM can complete all storm repairs.
The insurance company included my mortgage companies name on the check. What do I do?
It is common on higher value claims for the insurance companies to include the mortgage company. It is best to call your mortgage company and inform them you have a check from an insurance claim and need to speak with the "exceptions" department to expidite clearing the check.
When can work begin?
Once the client has confirmation the insurance company approved the claim, work can begin. Payment is not required at the beginning of the work.
Do roofs get replaced due to wind damage?
Yes. With adequate damage, roofs are replaced due to wind damage.
My roof is very old. Does this matter?
Having an old roof often works in the clients favor when they have replacment cost insurance. Older roofs are more easily damaged and are often not repairable.
My roof was not approved for replacement. What do I do?
Contact AAM for a free evaluation. If adequate damage is found, the insurance company will return and meet with an AAM representative.
The estimate from the insurance company is $200 less than the bid from AAM. Do I need to pay the balance?
The insurance company might revise their estimate higher, but only with good reason. The insurance companies are quite aware of how much local contractors charge for repairs and pay competitive prices. The most common mistakes that occur ( which does not occur often ) are mismeasurements of area, failure to compensate for very steep roofs, failure to pay for multiple stories and revision in prices for increases in materials and labor If such a problem exists, contact your AAM representative and he will help resolve the problem. If necessary, your AAM representative will contract your adjuster and resolve the issue. If the mistake was ours, the price will be revised down.
If you have other questions, please call AAM and we will be glad to lend help to the best of our ability. Some of our staff has worked as insurance adjusters and should be able to answer most of your questions. Your agent and adjuster will also gladly answer any of your questions. Feel free to contact us with any questions or request a free estimate.
Report an Insurance Claim
When You Call, Please Have the Following Handy:
- Your name, address and phone number
- Your Insurance policy number
- The date and time your loss happened
- A brief description of what happened