It’s the customer’s decision.When you meet with the customer to determine if there's actual damage, the customer will need to decide whether to make a claim. It's not the contractor’s decision.
Be fully prepared when meeting with the adjuster. Be very detailed, and be ready with accurate facts about the weather damage situation in the area. You should also know the local codes, manufacturers’ requirements and specifications, and even what manufacturer’s product is currently on the roof.
Carefully review the insurance scope of loss. This detailed description of the amount and type of damage includes the quantity and quality of materials and the current cost of those materials and labor, according to the insurance company. Take the time to read it thoroughly, understand it, and note anything that might be missing from it.
Offer financing options. Many homeowners may not be able to cover their deductible, so it’s important to be able to offer financing options. Consider learning more about GAF SmartMoney, a complete paperless payment solution that lets you accept any form of payment, as well as process financing applications right away, in the customer’s home.
In general, insurance adjusters are not roofing experts. As a GAF factory-certified contractor, you should feel confident explaining what needs to be done, and be willing to correct the adjuster’s oversight.
Check for Missing Components
Some items that may be missing are drip edge, starter shingles, valley material, ridge cap shingles, step flashing, chimney flashing, exhaust cap and pipe jack.
Check the Date
Material prices may vary throughout the year, so make sure the estimate is based on the most current pricing available.
GAF Storm | Pricing challenges in insurance estimates
We are GAF. (https://www.gaf.com) More homes and businesses in the U.S. are protected by a GAF roof than by any other product. We are the leading roofing manufacturer in North America, with plants strategically located across the U.S. For over a century, we have manufactured and sold a wide variety of high-performing residential and commercial roofing products including Timberline, North America's best-selling roof shingle. People trust GAF to protect what matters most in their daily lives.
In this business, you get to choose your own path. Whether you just want to choose the best materials for your customers or plan to become GAF factory certified. Whatever your goals, GAF has programs that can help you get there.