Insurance Claims 101

Insurance Claims 101

How do you deal with insurance claims after your roof has been damaged by a storm?

Continue reading this page, it will explain the claim and repair process and answer questions you may have as you recover from the storm.

For tips on choosing a contractor, please see the FAQ.

Thank you for considering Zytek Roofing to assist you through what can be a challenging and confusing time. Our skilled, knowledgeable and experienced representatives are committed to assisting you through the entire claims process.

When your neighborhood is in the destructive path of a hail storm, your home can sustain damage that needs to be repaired, especially your roof, which is the first line of defense against future storms and heavy rain. As the homeowner, you may choose to have a contractor to complete the job, or you can do the work yourself.

Your Zytek Representative is committed to:

  • A Free Roof Inspection / Assessment
  • Discussion of our initial inspection and findings
  • Documentation of damages and preparation of a damage report of your roof
  • A thorough explanation of the claims process so you know what to expect
  • Honest, professional and knowledgeable representation through the entire claim and roofing process

We encourage you to contact Zytek Roofing if you have additional questions regarding the claims process, choosing a contractor or anything else we can assist you with.

Has your home sustained any damages?

Contact Zytek Roofing to schedule a free, no obligation roof inspection and assessment to determine the extent of damages and if those damages warrant contacting your insurance company to file a claim.

Should you make any temporary repairs to your home?

Zytek will advise you if you should inquire with your insurance company to approve the installation of a temporary tarp to prevent any additional damages.

How do you calculate the estimate for your storm damaged roof?

Your homeowners insurance company will be sending out a claim representative (adjuster) to inspect the entire exterior of your home. This inspection will include the roof, windows, window screens, rain gutters, decks, porches, siding, etc. Anything that has been damaged by the storm will be covered by your insurance company.

Our Zytek Representative is knowledgeable in all aspects of the exterior of your home. Zytek will be present for the adjuster appointment to represent you and your interest. We will ensure that nothing is overlooked or left out of your estimate. Zytek will only be performing the work to your roof and gutters, but we do assist with the entire claim at no cost to you, the homeowner.

Zytek Roofing and your insurance company both use state-of-the-art software, (Exactimate) that takes into account local material prices and labor rates. This estimating software is based on quality materials comparable to those found on your home before it was damaged.

Ultimately, the adjuster will be setting the price for each of the repairs to be performed. They will pay for all damages in full, less your deductible. The payments will be made in two separate checks that will be issued to you, the homeowner. The first check issued is the A.C.V. (Actual Cash Value) which calculates the depreciation of your property. The second check will be issued after the repairs have been made. The second payment will be the R.C.V. (Replacement Cost Value) of the repairs. These terms (A.C.V. and R.C.V.) can be confusing and cause concern that your insurance company will not pay the full replacement amount of the repairs. Please see our F.A.Q. section to help clarify and explain the A.C.V. and R.C.V. in more detail.

Contact Zytek Roofing to set up your free roof inspection.