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Storm Damage Roof Replacement

95% of Roofs Inspections turn into Insurance Work.

Your homeowner insurance may help pay to repair the roof damages caused by hail or wind. If you have a leaky roof, missing shingles or granule loss/bruising, then your home was affected by wind or hail storms.

Our #1 goal is to make the storm damage repair process easy.

We handle more than just roof replacements approved by the insurance. Storm Damages 90% cases are more than just replacing your roof, usually includes window glazing work, window screens, gutter replacements, a/c condenser straighten, interior painting/drywall, fences, and more.

We offer emergency repairs & tarp services to prevent further damage inside your home. Call us today for FREE roof Inspection!

How it works

1
Free Storm Damage Inspection

Verify if you roof has hail or wind damage. Our process for the roof specialist is to ask who is your insurance company? Have you filed a claim? And Have you had your adjuster’s inspection? We ask this question to effectively assist you and provide the hail/winds storm summary report.

2
Make a claim to your insurance

File a claim with your insurance carrier to repair or replace your roof.

3
Insurance Repair Estimate

The insurance will send adjuster to inspect the roof to provide an estimate to repair or replacement of the roof. Adjuster uses Xactimate/Symbility regulated pricing software to write the itemized estimate of the approved work scope.

4
Agree & Schedule Roof Replacement or Repair Work

Review all approved work scope and sign formal work, materials, upgrades and warranty agreement. Choose roof system, upgrades, and shingle color. JC&C will schedule and begin roof replacements or repair work.

5
Payments, Invoice & Warranties Roof Replacement

-RCV the full cost of the repair/replacement.
-Depreciation is the decrease in fair value of the roof due to age.
-ACV is the Replacement Cost (RCV) minus Depreciation (DEPREC).
Insurance will mail the first check ACV minus your deductible If policy is RCV a recoverable depreciation money will be released upon completion of all work.

How payments work

1st payment Your Deductible – We offer financing options

Your only out pocket expense is your deductible. TexasHB2102 Section 27.2 Texas requires a person insured under a property insurance policy to pay any deductible applicable to a claim made under the policy. Insurance companies will request reasonable proof of the deductible payment before releasing the final claim check to the policy holder. The new law makes it a Class B misdemeanor (punishable by a jail sentence of up to 180 days plus a $2000 fine) for Contractors to pay, waive, absorb, rebate, credit, or otherwise decline to charge or collect the property owner deductible.

2nd Payment Your ACV

ACV 1st Insurance Check I due after roof completion. 2nd Payment – Insurance check may require mortgage endorsement, JC&C offers the service to express mail the check to your mortgage and return to you. We share the USPS tracking number). After the job is completed JC&C will send insurance company the final invoice, proof of deductible payment, and photos of the work completed with or without supplements.

3th Payment Your RCV

RCV- Recoverable Depreciation Final Check 3th Payment. Sometimes you will also have a check issued and listing the mortgage, and we will need to send it to mortgage just let us know so we can proceed with mailing it with respective mortgage forms.
-Do not sign check when sending to mortgage unless requested by your mortgage company.
-Manufacturer warranties will be registered after all payment have been submitted and payment receipts will be sent.

Roof Insurance Questions

How does the insurance company pay for new roof replacements?

After the roof is damaged from natural disaster; such as hail, wind, tornado or hurricane, a homeowner must work through the insurance claim process in order to get their property back in its best working condition.

At, JC&C Roofing Company, we understand that navigating through a claim paperwork, and repair or replacement estimates can be an exhausting, and sometimes confusing task. We’re here to help you have a transparent experience and give you information on what XACTIMATE estimates are and how they are calculated by the insurance company.

How a roof replacement is calculated?

Insurance carrier, adjusters, contractors, and legal professionals use a third party pricing system, called Xactimate, to determine how much a roof should cost. Since all parties agree to the pricing of Xactimate the difference in calculated roof costs items or steps being included or excluded. The pricing aspect should be equal, and allow homeowner to pick the best roofer, not the cheapest roofer.

Insurance pricing is highly regulated using a pricing service called Xactimate. If contractors have different pricing it’s likely one including line items, tasks, or materials another contractor is. Insurance pricing is set by Xactimate the only way to quote to be different is when items are added or omitted. Contractors set the scope of work required for insurance company to approve.

What is Xactimate Pricing System?

Insurance carrier, adjusters, contractors, and legal professionals use a third party pricing system, called Xactimate, to determine how much a roof should cost. Since all parties agree to the pricing of Xactimate the difference in calculated roof costs items or steps being included or excluded. The pricing aspect should be equal, and allow homeowner to pick the best roofer, not the cheapest roofer.

Insurance pricing is highly regulated using a pricing service called Xactimate. If contractors have different pricing it’s likely one including line items, tasks, or materials another contractor is. Insurance pricing is set by Xactimate the only way to quote to be different is when items are added or omitted. Contractors set the scope of work required for insurance company to approve.

*The statements on this page are personal interpretations and opinions from limited experience and legal advice provided to JC&C Roofing and/or JC&C Roofing’s clients and are not to be used as legal guidance.  JC&C Roofing is not qualified or licensed to provide insurance advice, discuss claim information, act as a public adjuster or provide legal representation.

Ready to repair or replace your roof?

Let our team reach you and start your project.