Insurance FAQs

How the check is handled varies by circumstance. Sometimes if you mortgage company is a local bank, certain branches can endorse the check for you. Other times, it may be necessary to mail the check to the mortgage company. Regardless your project manager will guide you to the necessary steps.

No, you are not required to get three estimates. You were allowed to choose whichever contractor you want to complete the work on your property. Trace Roofing & Construction will provide your insurance company with our damage assessment and answer any questions they may have about the recommended repairs. Generally, your only out-of-pocket expense will be your insurance deductible. Trace Roofing & Construction will complete the final approved scope at the price authorized by the insurance company/adjuster.

Chances are, we use the same estimating software and pricing as your insurance company. So, once the final scope of work is approved and authorized by the insurance company, Trace Roofing & Construction is able to perform the work for the insurance company pricing. This is a great convenience for customers, because it streamline the repair process.

Initially, you are adjuster Abel authorize a scope of work to be completed for the repairs to your home. Sometimes, the estimate may change and scope and cost during construction due to the miss measurements of materials, discovery of additional damage once construction begins, or other unforeseen issues. When this happens, your project manager will submit a change order to the insurance company, which informs them of the changes to the scope of your job. This is standard procedure and is expected by the insurance companies. Any additional funds released due to change Ordered our considered part of the job cost, and are due to Trace Roofing & Construction just like any other insurance payment.

You can request a readjustment and have the project manager present when the adjuster reassesses your damage. Your project manager will ensure that any and all claim related damages is pointed out to the adjuster. If the claim is denied a second time, please look into the appeal/grievance policy of your insurance company, or we can refer you to other industry professionals may be able to assist in working with your insurance company to obtain coverage for your damages. Your construction agreement with Trace Roofing & Construction is contingent upon insurance approval and no work will be done without insurance approval, so you will not be liable for any payment in that case.

Of course, this is a huge concern for both home and business owners. However, the fact of the matter is, when there is wide bed, weather related damage, everybody’s insurance cost is going to increase. If your area or ZIP Code was an expensive area for insurance company due to an “act of God”, you are impacted whether you file a claim or not. Remember, you pay (Heavily) to ensure your home for problems just like this.

Your mortgage company will often be listed on your insurance proceeds because they have a vested interest in the condition of your property. They want to make sure the work required is completed. Often, the mortgage company will send out an inspector to check the progress or completion of the project.