Your Experts in Hail and Wind Damage Insurance Claims
Expertise in Hail and Wind Damage Insurance Claims
At Keystone Contracting Group, we understand the challenges that come with managing insurance claims for hail and wind damage. Our team of experts is here to guide you through the entire process. With a focus on hail and wind damage claims, we ensure you receive fair compensation for property damage.
The Insurance Claim Process: A Comprehensive Guide
Our dedicated team at Keystone Contracting Group provides insurance claims assistance. We’ll help you initiate the claim, obtain the claim number, and coordinate the adjuster’s inspection. Our goal is to streamline the process for you.
Keystone will provide insurance claims assistance, call the insurance company with the property owner to assist in filing the claim, get the claim number, and schedule the adjuster appointment. Often the adjuster will call the property owner to schedule the inspection. When the adjuster calls, write down his or her name, phone number, and the date/time they will arrive. Provide adjuster information to your Keystone Insurance Claims Specialists. Adjuster should schedule the inspection within 3 – 7 days..
When the adjuster contacts you, take note of their information and schedule. Share this with our Keystone Insurance Claims Specialists. This proactive approach ensures efficient scheduling for inspection within 3 – 7 days.
Upon approval for roof replacement, you’ll receive an ACV (actual cash value) check, minus the deductible, along with a detailed Statement of Loss estimate from the insurance company. Share this estimate with your Keystone project manager for a thorough review.
Upon receipt of your endorsed insurance ACV check and loss statement, your Keystone project manager will sit down with you to go over the Contract Confirmation (including selecting shingle type, color, and roof specifications). schedule the roof installation. (usually 3-7 days upon receipt of the first check as down payment). Once the material arrives, the roofing crew will begin removing the old roof and then begin the installation of your new roof system. Installations may vary because on weather, system complexity, etc., but typically takes one or two days.
The ACV (Actual Cash Value) check will typically be made to the property owner and mortgage company. Contact your mortgage company and ask for the insurance department or the Loss Draft Department for details on their process to get the ACV check endorsed. DO NOT sign the check until it comes back from the mortgage company in case the check gets lost in the mail. Your Keystone project manager can assist you with this step. And Keystone will provide overnight Fedex to the mortgage company with a return slip back to the homeowner.
During material delivery and roof installation, ensure your driveway is clear and remove valuable items from walls and shelves to prevent potential damage. For safety, please avoid walking around the construction site due to nails and falling debris, and consider being away from home during construction to noise from hammering.
Upon completing your roof replacement, our team cleans the construction site, removing debris and hidden nails. A Keystone Rep conducts a final inspection. Your second payment, reduced by the recoverable depreciation, is now due. This covers the first insurance check and your deductible, leaving only the recoverable depreciation balance. If there are additional items to be repaired such as interior damages, window screens, gutter and Etc. These items will be taken care of prior to final payment from the Insurance company.
We’ll submit a notice of completion for the roofing service and roof replacement to your insurance company. Along with it, we provide a final invoice and proof of payment for the deductible and ACV check. This step releases the remaining funds. After receiving your final check, contact your Keystone project manager to arrange collection and receive the Keystone Labor Warranty and Manufacturers Material Warranty.
Your Obligation under Texas Insurance Code and Law
In accordance with Texas Insurance Code and law, the only obligation for a homeowner when dealing with a property insurance claim is to pay their full deductible. The law is clear:
“Texas law requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. It is a violation of Texas law for a seller of goods or services who reasonably expects to be paid wholly or partly from the proceeds of a property insurance claim to knowingly allow the insured person to fail to pay, or assist the insured person’s failure to pay, the applicable insurance deductible.”
This law, as outlined in SECTION 2 of the Business & Commerce Code, emphasizes the importance of fulfilling your obligation to pay the deductible associated with your insurance claim.
Choose Keystone Contracting Group for Hail and Wind Damage Insurance Claims
For expert support in managing your hail and wind damage insurance claims, trust Keystone Contracting Group. Explore our services at info@keystonecgi.com or reach us at 281-699-5152. We’re dedicated to providing you with top-notch assistance and ensuring the best care for your property.