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Insurance Claims

Insurance Claim Help

Filing an insurance claim can be confusing. The team at Elite Roofing & Solar is very familiar with the roofing insurance claim process, and we can help you better understand your paperwork and policy. While Elite Roofing & Solar is not a public insurance adjuster, we are able to discuss the scope of repairs on the insured’s behalf with your insurance adjuster. Below is an outline of how a typical insurance claim is filed.

Insurance Claim Process

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You’ll work with the same Project Manager and project team from start to finish. One point of contact throughout the entire process, making it clear who to call when you have questions. Find out why your next roof should be an Elite Roofing & Solar Roof by contacting us today for your free inspection and estimate.

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Roofing Insurance Claims Help Center

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Roof Inspection

Step 1: Inspection

If you are sure you have damage to your roof, contact your insurance company and get an insurance adjuster scheduled to come inspect your home.

If you are not sure your home has suffered damage, please contact Elite Roofing & Solar for a free roof inspection.

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Step 2: Filing an Insurance claim

After verifying that your home has significant enough storm related damage, our trained Elite Roofing & Solar project manager will help you file your insurance claim.

  • The claim filing process will take roughly 5-10 minutes to complete.
  • You will need the date and time in which the storm happened and your policy number.
  • All insurance providers have a claims hotline. You do not need to contact your agent if you do not wish to do so.
  • Once the claim is filed through your insurance providers’ claim department you will be issued a claim number.
    • The claim number will be a reference point for your entire claim process.
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Adjustment

Step 3: Adjustment

Once the claim has been filed, an insurance adjuster will be assigned to your claim

  • The adjuster is required to contact you within 48 hours to set up the adjustment at a time that is convenient for you. (The Insured)
  • Upon making your appointment, make sure to contact your Elite Roofing & Solar project manager with the date and time of the adjustment.
    • The insurance adjuster is a representative of the insurance company and will naturally tend to have the insurance companies’ best interest in mind. It is important to have your own representation present during the adjustment process. Elite Roofing & Solar’s trained project managers ensure the repairs identified by your insurer comply with plans, specifications, codes, laws, rules, regulations, and roofing industry standards for workmanlike construction and repair.
    • The adjuster and the project manager will inspect the entire perimeter of your property as well as inspect the roof and any interior damage.
      • This process takes an average of one hour to complete.
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Step 4: Paperwork (Scope of work)

Upon approval the adjuster will create a scope of work for Elite Roofing & Solar to use as the initial estimate to get the work started.

Ready to get started with Elite Roofing & Solar?

Start by giving Elite Roofing & Solar a call to meet with one of our qualified Project Managers and having your roof inspected. Call today to get started, or fill this quick form out!

**Please Note: ELITE ROOFING & SOLAR IS NOT A PUBLIC ADJUSTER AND DOES NOT ACT AS ONE WHEN WORKING ON OUR CLIENTS’ BEHALF.**

  • This paperwork usually arrives within 7-10 days. It is very important to get a copy of the paperwork to your project manager in order to get the roofing process started as quickly as possible.
  • As with any insurance claim there may be extra items that were missed or unforeseen at the time of the adjustment. Don’t worry, because our trained insurance supplement team will handle all supplements and negations on your behalf.
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Paperwork
Payments

Step 5: Payments and processing

  • Insurance companies typically release roof claim funds in two installments, but what you ultimately receive depends on whether you have an ACV or RCV policy.

    ACV Policy (Actual Cash Value):
    The first check you receive is the ACV amount (your roof’s value in its current, used condition). A second check is also issued, but because depreciation is not recoverable under ACV, the total payout still reflects only the depreciated value of your roof. This often means the insurance payout won’t cover the full cost of replacement, leaving you to cover the difference.
  • RCV Policy (Replacement Cost Value):
    The first check is also the ACV amount. The second check covers recoverable depreciation and is released once Elite Roofing & Solar completes the work and submits the final invoice. Together, these two payments cover the full replacement cost of your roof (minus your deductible).

Sometimes insurers also issue supplemental payments if extra work or materials are required.

Elite Roofing & Solar does not require any payment until your roofing materials are delivered.

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The Cherries On Top​

Let’s talk about all those value added things that we provide to will make your new-roof experience that much better.

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Insurance Claims

Navigating the insurance claim process can be a challenge. Not to worry. We’ve helped hundreds of property owners, just like you, weather the storm more times than we can count. Let us help you each step of the way!

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Finance Your Roof

Working with the industry’s leading lenders, we offer competitive financing options designed to help you replace your roof today and pay it off over time. Don’t risk further damage to your property, Apply today!

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Referral Rewards

We have developed an Elite Roofing & Solar Referral Reward program to give back to our customers who refer us to their friends and family. It’s our way of thanking you for passing us along to the people you know who are in need of our services.

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Still Not Convinced?

Let us know what we can do to win your business, and we’ll be sure to exceed your expectations.

Star Rating
Elite lives up to their name! I had a small roof repair job that was left over from a builder issue . . . and Randy and his team stepped up and made everything right. The way that Elite handled all parts of the job . . . from scheduling to site visit to repair/cleanup to closeout . . . was FLAWLESS. The tech that showed up for the visit and the repair was an absolute professional. He was outgoing and clearly communicated what he'd found and what he was going to do. After the repair was completed, he stayed and made sure that everything was cleaned up and that I was a happy customer. I wish more service companies were like Elite. They made it easy from start to finish, treated me like a valued customer, and stand head and shoulders above other companies we had considered. They will be my "go to" company in the future, and I could not give them a higher recommendation when you are looking for Elite service.
Pat Stanton
Pat Stanton
a month ago
I needed to replace the roof on my 1893 home that had at least 3 layers of asphalt and 1 wood shingles. This was literally the roof over our heads. I vetted 4 roofing companies and Elite Roofing stood out for their prompt, professional and courteous interactions. I worked with Chad, who was not a sales person, but rather he was the project manager who was my point of contact from start to finish. I never experienced any hard sales pressure. In fact, he was more focused on ensuring that I had all the information to make an informed comfortable decision. Roof install was smooth, great crew and when I asked about a minor issue Chad immediately rectified it before I could ask how we should proceed. It really was minor and I was never concerned that it would be an issue to address. Never once was I concerned about this home improvement project thanks to Chad. He made what could have been a stressful project very easy. I highly recommend Elite Roofing. My only regret is they don’t do plumbing! Michael Mitchel
Michael Mitchel
Michael Mitchel
3 months ago
I couldn’t be happier with the exceptional service provided by Elite Roofing. From start to finish, they were professional, efficient, and a pleasure to work with. Sean Oakland, the project manager, was absolutely fantastic. He was incredibly communicative, keeping me informed every step of the way, and went above and beyond to help me navigate the insurance process. His attention to detail and dedication made the entire experience smooth and stress-free. The team completed the job (including removing and reattaching solar panels) and installed new gutters incredibly quickly—without compromising quality. The workmanship is top-notch, and I’m thoroughly impressed with the results. I wholeheartedly recommend Elite Roofing to anyone in need of roofing services. Trustworthy, skilled, and customer-focused—they’re the best in the business!
Andy B
Andy B
5 months ago
Elite Roofing and Solar did a fantastic job replacing our roof after major hail damage last year. The process was smooth from start to finish, and they worked directly with our insurance company to make it easy on us. I was so impressed that I had them install solar panels as well. Phil, our roofing project manager, and Robert, who managed the solar side, were both excellent—clear communicators who kept us informed and made the whole experience stress-free. Highly recommend this team for both roofing and solar!
J S
J S
4 months ago
I used Elite Roofing twice this year-once for an insurance claim after a hailstorm and Cody Stammers met my the insurance agent at my house to go over all of the damage. The second time I used them for my flat roof which was wearing out and they were able to coat it to last another 10 years. I was very happy with the service and all of the work they did and would use them again without question.
Annie Slocum
Annie Slocum
a month ago
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