Roof Replacement Process
Legacy Roofing: Roof Replacement Process Checklist
Client Agreement: Signing of the contingency agreement with Legacy Roofing, LLC representative establishing our working relationship should your claim be approved by your insurance company.
Call in Claim: Contact your insurance company to request that an adjuster come out to inspect your roof. If asked to provide a date of loss, (storm date) you may tell the insurance company that you have been informed of wind/ hail damage on your roof and would like an inspection but are unsure of the actual date of loss.
Adjustment information: Your Insurance Company will contact you regarding the date of inspection (known as the adjustment). We recommend that the homeowner be available at the time of adjustment, but it is not required.
Contact Legacy Representative: Please contact your Legacy Roofing representative with your adjustment date as soon as you receive this information. Your Legacy Roofing representative will meet with your adjuster to negotiate the claim on your behalf.
Adjustment: If the adjuster on your roof approves you for full roof replacement, they will produce a cost estimate that itemizes the amount that they will pay on your claim. This paperwork will accompany your first (ACV) check. Legacy Roofing will use this paperwork to be sure that all damage is accounted for in the claim and that they have produced accurate measurements and diagrams. Should your claim be denied, we can request a re-inspection and usually get positive results.
First Insurance Check: The first thing that you will receive is for Actual Cash Value of the existing roof, or “ACV”. If you are the only party named on the check, you may simply sign over the check to Legacy Roofing, and we can begin the process of ordering materials for your new roof. In most cases, however, your check will also name the mortgage company. If this is the case, DO NOT endorses the check. ?Instead, have your Legacy Roofing Representative overnight on your behalf to expedite Mortgage endorsement first! Legacy Roofing will provide all the necessary docs that mortgage companies require in their endorsement package. Contractor W-9’s, scope of work, estimates are examples of “some” of the docs mortgage requires before they endorse. MOST all mortgage lenders want to sit on your full ACV and dispense in thirds so they gain the benefit of interest on insurance company dollars. Legacy Roofing works for you as the homeowner that incurred the loss.
Contact Legacy for Pick Up:? Upon receiving your insurance check, contact your Legacy Roofing representative and he/ she will pick up your personal check in the same amount of your insurance proceeds made out to Legacy Roofing.
Materials Delivered: Once your check has been picked up, the necessary materials for your new roof will be purchased and you will be informed of the delivery date of those materials. The materials will be delivered directly to your rooftop where they will be stored out of the way until your roofing project is underway.
Scheduled Date to Begin Project: Our office will contact you when your project has been scheduled and inform you of the date in which the work will take place on your home. We ask that on the day/ days that your project is scheduled to take place, please keep all driveways and walkways cleared so that access to your roof will be available for our crews and their equipment. Usually the entire re-roofing process only takes one day.
Final Insurance Check: Upon completion of your project, Legacy Roofing will invoice your insurance company for the remaining cost of your roof replacement. This check will be for the recoverable depreciation value. This check will be the final check from the insurance company and as soon as you receive it, please contact your Legacy Roofing representative for pick up. You may also be responsible at this time, for you insurance deductible per the agreement you have made with Legacy Roofing. This will complete your roof replacement process.