Managing Insurance Claims

The Residential Insurance Claim Process

1. Provide your Mesler Roofing salesman with the insurance agent’s name and telephone number and the insurance policy number. Almost all insurance companies prefer the homeowner file the claim directly.  The adjuster usually looks at your roof within 5 - 7 days after filing the claim.




2. The insurance adjuster will call you to make an appointment. Be sure to get the adjuster’s name and telephone number. Go ahead and set the appointment and contact your roofing salesman to give him the time and date and adjuster’s name and telephone number.




3. If the roof is approved, in most cases the homeowner will receive a up front check for an estimated fifty percent of the claim. The remaining payment will occur flowing the installation of the new roof.

4. If you have a mortgage on your home, the first check will be made out to the homeowner and the 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 first check endorsed. DO NOT sign the check until it comes back from the mortgage company in case the check gets lost in the mail.




5. Contract with a reputable roofing company that is familiar with the insurance process.   If they are willing to do the job for less, especially when there is more work than most can handle, then it is probably a sign that they are forced to sell on price alone; this situation is usually an indication of quality or cash-flow problems.  If anyone suggests that you “make money” on the roof installation, this is Insurance Fraud and you and the other participant could become involved in a lot of trouble. The insurance companies, due to the heavy losses sustained in the last two years, are constantly monitoring the claims to protect themselves and their policyholders.




6. Please check the materials to verify the shingle color and drip edge color are correct.




7. Upon completion, your roofing salesman will do a final inspection on the job and go over the checklist with you.




8. Payment to Mesler Roofing occurs within 10 days of receiving our invoice.  The home owner pays Mesler Roofing directly.