This is a very difficult question to answer without performing an onsite inspection. Any time you're considering an insurance claim, it is recommended to have a contractor that understands the insurance process do an inspection first. PLEASE BE CAREFUL! There are a ton of contractors to choose from and they may be extremely knowledgeable about roofing and/or siding and may do great work but in our experience very few have experience in understanding how insurance plays into the process. This is where we can be a major asset to you. If you meet with a contractor and they are not discussing the following items with you they are probably not the contractor you want to help you with the process:
-Should you use a Public Adjuster? Did you know that, in the state of Virginia, it is illegal for a contractor to negotiate your claim with your insurance company? Only licensed Public Adjusters can negotiate a claim and contractors can not be both.
-How much does a Public Adjuster cost? We utilize key partnerships so that there is no additional cost to the home owner to have the representation of a Public Adjuster. If you retain one on your own, be prepared to pay an additional 10-15% of the total claim value for their services.
-What kind of damage do you have? Wind, Hail, or Storm? What you say makes a difference when filing a claim.
-How much is your deductible? You may think that this is none of their business but withholding information from a contractor trying to help you make an informed decision will almost certainly negatively affect your experience. Any company offering to save your deductible is committing insurance fraud.
-Do you have building code coverage? This is extremely important because it could mean the difference in getting a full replacement approved or getting forced to accept a repair which if that is the case its typically not advised to file a claim. If you're not sure if you have the coverage or not, call your agent/insurer and have this info ready.
-What type of roof/siding do you have? Some shingles and siding are discontinued and can not be repaired.
-What is the supplement process? It isn't uncommon for an insurance company to approve only a small portion of your project or under value your claim and requesting a supplement is the process for requesting additional money that may be owed to you.
-Should my contractor meet the Insurance Adjuster for the inspection? NO! They are acting against Virginia State Law. A Public Adjuster should be the one to manage the entire claims process for you. From filing the claim, initial inspection, to writing the initial estimate, and supplementing for additional operations required by code or manufacturer requirements your Public Adjuster is your representative to the insurance company.
If you aren't having some or all of these conversations, chances are that contractor wont understand how to communicate with an insurance company. They might give you a great price on a roof/siding but if you could get a higher quality product that meets current building codes covered by your insurance company wouldn't you want the best products and installation possible?