Insurance Claims

When bad weather occurs, it can cause major damage to your roof. Hard rains, hail and high winds can all effect the over all quality of your home. When damage occurs you should contact your insurance company to assist in damage repairs. To improve your chances of receiving a full and fair settlement, we have listed below a few basic guidelines to follow when contacting your insurer.

Insurance Claim Processing Checklist

1. Was your home affected by a recent storm? If your home was affected by recent storms, contact your insurance company at their toll free number.
2. Ask the representative for your claim number. If it is not available be sure to request that the insurance representative contacts you as soon as it becomes available. Also ask the representative to have your assigned insurance adjuster contact you or RGL Builders, Inc. so that they can be in attendance for the initial inspection. Our contact number is 704-707-4069.
3. Once your insurance adjuster contacts you, request a firm date and exact time that he or she will be performing the initial inspection, then be sure to inform the insurance adjuster that you would like RGL Builders, Inc. to be present. Our contact number is 704-707-4069.
4. After your adjuster provides you with your inspection date , please contact RGL Builders, Inc. and provide us with this information, as well as your claim number. Once your property inspection has been scheduled, we will meet with your insurance adjuster to discuss the amount of damage.
5. When your claim has been settled, you will receive an itemized estimate of repair allowance from your insurance company. It will list the following in three price columns: RCV (replacement cash value), Deprecation and ACV (actual cash value), . You will receive your first check titled to you and your mortgage lender in the amount of the ACV estimate. An amount of recoverable depreciation will be withheld from the first check  until you have incurred the cost of repairs and provided the insurance company with an invoice from RGL Builders, Inc.. At this time you will be entitled to the RCV of your claim as listed in your insurance policy.  
6. If your claim has been denied or you have only received a partial settlement, don't worry. We can handle these types of situations too. We will start by requesting a copy of the current loss report you have received from the insurance company. We need to figure out exactly what the insurance company has paid for so we can figure out what they have "accidentally overlooked". If we feel there is more damage than what has been covered, then we will suggest to you letting us request a re-inspection with your insurance company. This time we will be present to point out the damage to them if they don't see it.