Dealing with roofing insurance claims can feel overwhelming. Legend Roofs is here to walk you through every step of the process.
If your roof has been damaged by a storm, hail, or high winds, your homeowner’s insurance policy may cover some or all of the cost of repairs or replacement. Understanding the insurance claims process and mortgage check procedures will help you navigate this smoothly.
Filing Your Insurance Claim
Call Your Insurance Company
Contact your insurance provider and file a claim as soon as you notice storm damage. Take photos and document what you see. Your insurance company will assign a claim number and schedule an adjuster to inspect the damage.
Meet with the Adjuster
The insurance adjuster will come to your home to assess the damage. It is highly recommended that your Legend Roofs representative be present during this meeting. We can help ensure all damage is documented and nothing is missed. Be sure to point out any interior damage such as water stains on ceilings or walls.
Review the Scope of Loss
After the inspection, the insurance company will send you a scope of loss document detailing what they will cover. Your Legend Roofs representative will review this with you to ensure everything is accounted for. If items are missing, we can submit a supplement on your behalf.
Choose Your Contractor
You have the right to choose your own roofing contractor — you are not required to use anyone your insurance company recommends. Choose Legend Roofs for quality materials and expert installation backed by Owens Corning warranties.
Mortgage Check Endorsement Procedures
If you have a mortgage on your home, insurance checks are typically made out to both you and your mortgage company. This is because the mortgage company has a financial interest in ensuring repairs are completed properly.
You will need to endorse the check and send it to your mortgage company for their endorsement. Most mortgage companies have a specific process — some will set up an escrow account and release funds in stages as work is completed.
Legend Roofs has extensive experience working with mortgage companies and can help guide you through the endorsement process. We will provide all necessary documentation including contracts, completion certificates, and final invoices to help expedite the release of funds.
Tips for a Smooth Claims Process
Take photos and videos of all damage before any temporary repairs. Keep copies of all correspondence with your insurance company.
Having a Legend Roofs representative present during the adjuster’s visit ensures all damage is properly identified and documented.
Know your deductible amount and what your policy covers. Never let a contractor offer to pay or waive your deductible — covering deductibles is illegal in Oklahoma.
Legend Roofs provides every client with access to an SSA client portal where you can view your insurance scope of loss, contract, pre- and post-job photos, and warranty information from any device.
Need Help with Your Roofing Insurance Claim?
Legend Roofs has dedicated team members trained in handling insurance claims. We’ll walk you through every step.