A Roofing and Home Repair Company With Insurance Networks

Our team at Blue Line Roofing & Construction, LLC is experienced and knowledgeable of roof repairs and replacements and a wide range of home repair services. To provide you with better solutions, we work with many insurance companies for claims processing.

What You Need to Know

When you reach out to your insurance provider, you should prepare your policy number, date of loss, type of loss, and copy of your policy. It is also recommended to have your contractor with you when the insurance adjuster comes to inspect your home. With our inspection services, you can make sure nothing is missed or overlooked in the claim.

Insurance Information

The insurance programs that we are part of their network are as follows:

  • Allstate Insurance – (800) 54-STORM
  • American Strategic Insurance – (866) 274-8765
  • Amica Insurance – (800) 24-AMICA
  • Chubb Insurance – (800) 252-4670
  • Crawford Consumer Service – (800) 346-0300
  • Farmers Insurance – (800) 527-3907
  • Foremost Insurance – (800) 527-3907
  • Germania Insurance – (800) 392-2202
  • Horace Mann Insurance – (800) 999-1030
  • Nationwide Insurance – (800) 421-3535
  • Progressive Consumer Services
  • State Farm Insurance – (800) SF-CLAIMS
  • USAA Insurance – (800) 531-8222
  • USAA Consumer Service
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Claims Process

Insurance Claim

  • When a claim is filed, a number and an adjuster are assigned to it.
  • Keep the claim number because it will be important in the future.
  • Please keep in mind that it may take a little bit of time to receive the name and contact information for the adjuster.
  • Call your contractor to provide them with the name and contact information of your adjuster, as well as the appointment time.

Damage Assessment

  • Inform the adjuster that your roofing contractor will be present at the evaluation.
  • We are very knowledgeable and can help you with the process. Our team can also allot more time to you than the insurance companies.
  • A full inspection of the roof will be done to assess the damages.

Fair Settlement

  • Once the damages are assessed, you will be provided a claim summary with the scope of repairs or replacement.
  • We will compare the claim summary with our summary to make sure everything has been covered.
  • If there are any discrepancies, we can help you through getting items adjusted.

Funding

  • Initial funding will be provided by the insurance company. It might have your mortgage company's name on it so you will want to reach out to them to get their process on endorsing the check.
  • Additional paperwork may be needed since each mortgage company has different processes.
  • If an additional check is provided and it has the mortgage company name on it, follow the same procedures provided from the first check.
  • The initial check will most likely be small compared to the amount of the repair. This is due to your deductible and the value of depreciation.

Installation or Repair of Roof

After the deductible or loss statement are received by the home owner, repairs will be scheduled.

Recovering Depreciation

  • Once the roof is installed or repaired, we will provide the proper documentation to the insurance company that the work has been completed.
  • The insurance company will most likely call you to confirm our work then send you the last check.
  • Mortgage companies may require an additional inspection before they endorse and release the depreciation back to you. Please be sure to ask them about the required procedures.

Final Payment

After the final check is received and the mortgage company endorsements are made, we will collect the remaining due on the roof.

Understanding Deductibles

A deductible is the amount you must pay up-front before the carriers pay you for the loss covered. Mot insurances contain a clause regarding deductibles.

Loss Statement

The deductible is like a co-pay and is paid by the insured, while a loss statement often refers to less deductible being applied. This amount is agreed upon between the insured and the insurance company, and the homeowner pays this to the contractor. Meanwhile, the repair or replacement of damaged property is a shared cost between the insured and the insurance company.