Frogtown Roofing works with all major homeowners insurance providers, and will work quickly and diligently to provide you with an accurate assessment of the damage and a dollar figure to have it repaired.
Frogtown Roofing is an A+ rated roofing contractor by the Toledo BBB, and have performed Insurance related roof repair work for dozens of homeowners in the Toledo area. For more information about the insurance claim process and how it works, read the information below, or contact us today to start your insurance claim for roof damage.
Address Any Immediate Needs
If a tree has fallen through your roof, or there is some damage that puts your home at risk for water damage in the near future, please call a roofing contractor immediately to tarp and cover the hole. This short term solution can help keep the roof repair from becoming an even bigger job, and will help keep your home safe while the insurance process is running it's course. The company that you call need not be the one that you have perform the actual repairs, and you are under no obligation to use them in the future.
Contact the roofing contractors you would like quotes from
This step is important as it will help you compare the benefits and warranties of specific contractors. Be sure to pick a contractor that you can trust and be confident in their work. Note that this is not about saving money, as the difference in cost will not change your deductible at all. You may be saving your insurance company money by going with the cheaper contractor, but it wont save you a dime in the long run. Pick someone you can trust, not some one who's cheapest.
PLEASE NOTE: Steer clear of any company that promises to reduce or waive your deductible, or offers you a 'referral bonus' to offset these charges. This is highly illegal, and can get both of you in serious trouble with the insurance company.
The roofing contractor will send a quote to the insurance company
Whichever contractor you choose will send their quote and details to the insurance company. If something doesn't sound right, or if there are red flags, the insurance company will contact you to discuss how to move forward.
Insurance company sends their evaluator to your home for an estimate
This step is critical, in keeping both the roofing contractor and the homeowner honest. They will evaluate the scope of work, the proposed budge and associated costs, and likely check to make sure the contractor was accurate with their estimate of the work needing to be performed. Another critical reason to pick a contractor that you trust, as this step can get both you and the contractor in hot water.
Insurance Company Authorizes Repairs
Once satisfied with the contractor's quote, the insurance company will authorize repairs. You will owe your deductible to the roof repair contractor, but the difference will be paid by the insurance company, leaving them to deal with the contractor on your behalf.
Contractor Performs Repairs
The most important step of all, and you should be responsible for keeping track of the work performed and when it is completed to keep the contractor honest. Make sure to do a visible inspection with the contract before AND after the roof is repaired, to make sure that everything on your punch list was performed and that the work appears to be in order.
If you have any questions about this process, or would like Frogtown Roofing to provide a quote for your roof repair job, please contact us directly at (419) 466-2131. We will be happy to send one of our roofing repair experts to your house for a free visual inspection of the damage at no obligation to you!