General Information

Many homeowners have never filed an insurance claim and may be unaware of the procedures involved or the extent of their coverage. 
Storm related damage might not be detected by a casual inspection. There are specific insurance procedures utilized by insurance personnel and professional contractors to determine covered damage. At Ground Zero Roofing, our field estimators are schooled on these procedures.

This can seem like a daunting task - even more so when neighbors or relatives add their advice. At Ground Zero Roofing, we have structured our business to make the replacement process as painless as possible to you, the homeowner.

We will professionally handle your claim

• Review the adjusters summary to ensure all items are included
• Meet with representatives from the Insurance Company
• Perform work covered with quality material and workmanship
• Submit final invoice to the Insurance or Mortgage company for payment

We will work with your insurance company to insure a complete and full assessment so the repairs can be handled properly.  In most cases, the only out of pocket expense incurred using Ground Zero Roofing is your deductible. Occasionally there may be damage that is not covered by your insurance policy. Please ask your sales representative if you have any questions or would like a deeper explanation on a specific area.

At Ground Zero Roofing

• No down payment required on residential work
• We carry full insurance coverage for everyone's protection.
• We warranty our work for 3 full years from the date of installation.
• We can assist you with damage assessment, insurance claim negotiation, and recommend the best products for your home.

References

Ask the contractor for a list of local references you can call before you sign any agreements.  Call as many references as it takes to make you comfortable that the contractor has a record of doing all of the work agreed upon, and follow-up with any minor issues that typically arise with a job of this magnitude.

Insurance Claims

IInsurance, by law, must pay fair market value to restore your home.  They must also use the same or similar materials that were damaged by the storm.  The most important thing is that your property is restored to as good or better condition than before the catastrophe. In order for that to happen, your claim MUST be properly adjusted.

IInsurnace - Contractor Relationship

It is very important to have your contractor communicate with the insurance adjuster.  The adjuster wants your property to be repaired to your satisfaction, as does the contractor.  There are times that one or the other misses something during the estimation process, and it is important they discuss the differences at the earliest possible time.  At Ground Zero Roofing, we prefer to be with the adjuster when he/she initially inspects the loss.  Using this method, the chances of an unforeseen complication arising is limited.

Payment

Payment is due only upon completion of the contracted work.  If there are a number of contractors to be used, such as roofing, guttering, painting, etc., each portion is payable upon completion.  At Ground Zero, we give you a Customer Disbursement Sheet at the beginning of the job that outlines how the payments will be made.  We understand that in many cases the insurance company