Are you one of the roofing contractors in Adelaide? If yes, then you must have a thorough idea of how roof insurance claims operate in Australia. You should know the ins and outs of it so that you can grow the business well.
You have a smooth relationship with insurers, and you can effectively serve your clients. There will be minimal delays and most importantly, all your invoices will be paid promptly.
Indeed, insurance claims can be tricky to tackle for roofing contractors. But it is not any daunting thing either.
Let’s understand the process of roofing insurance.
Insurance Adjuster Inspection
When any property owner or manager reports damage due to wind or hail damage, the insurance company will send an experienced adjuster to assess the damage on their own.
The inspector will check the roof and note the damaged areas that have been pointed out by the roofing company in the final inspection.
It is essential to have one member of your team should be present and accompany the adjuster during the examination.
Any queries of the adjuster should be responded to. Once the inspection report is finalized and the assessment of damage is outlined, it will be sent to the insurance company.
Reviewing the Claim
Once the adjuster inspects the damaged roof, the insurance company will review the claim. It will determine the amount paid to the owner of the property for replacement or roof repairs in Adelaide.
The process can take a lot of time; therefore, insurance roofing restoration projects often get delayed.
During the process of reviewing the claim, the insurer may need additional information about the damage from the roofing company. It might ask specific questions about the details provided by you.
You should promptly respond to such requests and should back up your information with solid evidence.
Once the roof insurance claim is reviewed and approved, the insurance company will calculate the total damage value.
They will issue the payment to the property owner. It will cover the cost of repair or roof replacement in Adelaide.
When a property owner receives the amount, the insurance company ceases to be part and parcel of the whole process.
Now the homeowner and you need to agree on the scope of work and write the contract details for roof repairs or replacement.
The agreement will cover damages mentioned in the final assessment in most cases; but sometimes, homeowners may want to carry out repairs above what is indicated in the insurance letter.