First of all, call Westurn and have one of our roofing consultants give you a free inspection to determine the extent of damage to your roof.

If Westurn has determined there is sufficient damage to your roof, now is the time to call your insurance adjuster to make sure you are getting a fair assessment. It is also important to have an agreement with a roofing contractor to work with your insurance company to insure full cooperation from your insurance company and adjuster. Westurn will provide this service free of charge. In the event your insurance adjuster reports little or no damage on their first inspection, you are entitled to receive a second inspection with another adjuster. Again, it is important for a roofing consultant to be present at the time of the second inspection.

Your proposal:

Your insurance company may want you to get three or four estimates. This is up to you. The amount your insurance company agrees to give to replace your roof will be considered the total insurance allowance. If you choose the lesser of proposals, your total insurance allowance will be reduced to this amount. You may be steered to the least expensive proposal regardless of the quality and integrity of the company itself.

Claim payments:

In most cases, your insurance company will make two payments. The first check is for actual cash value(ACV), less depreciation. Upon completion of the work, your contractor will send a final invoice to your insurance company. this invoice will include ACV plus depreciation, which equals your net claim. Your insurance compnay will then release the depreciation check. If you have a mortgage on your home, both checks will be sent to and endorsed by your mortgage company. This should be done as soon as possible to expedite the entire process, as it may take several weeks to return your payments.