Insurance Claim FAQGarcia Roofing

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When will someone inspect my damage?

The insurance company will contact you to schedule a convenient appointment time. Inform your insurance company that you would like your roofer present, and let your Garcia Roofing and Sheet Metal representative know when your appointment is scheduled.

How can I check the status of my claim?

You can check the status of your claim by contacting your insurance company either via telephone and/or online.

What happens next?

After your damages are evaluated, an insurance adjuster will create an estimate. Your estimate typically spells out what needs to be repaired and/or replaced, as well as what is covered under your policy.

Why is there depreciation shown on the estimate?

Depreciation is typically shown on all estimates for items that are not brand new. Depreciation is a decrease of the item's value due to age, wear, or market conditions. Your estimate may include depreciation for items & materials that are being replaced. However, once the replacement of your covered loss has been completed, you may be able to recover the depreciation amount that was withheld depending on your policy terms, conditions, and exclusions.

What's a deductible? When do I need to pay it and to whom?

A deductible is the portion of a loss covered that you are responsible for under your policy. For example, if your covered claim is for $4,500 and your deductible is $500, your insurer pays $4,000. The settlement check you receive from the insurer will be based on the amount of your covered loss from the estimate minus your deductible and any applicable depreciation. In most cases, you would pay the amount of your deductible directly to your contractor once repairs are completed.

What if my contractor's estimate is different from the insurance estimate?

Garcia Roofing and Sheet Metal sets prices to stay in line with the majority of insurance companies. Insurance discrepancies can be due to measurements, uncovered items, or outdated pricing. A Garcia Roofing and Sheet Metal representative can offer you the assistance you need by dealing with your insurance company directly to resolve any issues. A representative may also make any necessary adjustments.