Insurance Process
Easy Insurance Process
Step 1 - Free Inspection
Call Valiant Roofing to schedule your free inspection. We’ll inspect your entire home for hail, wind, and storm damage.
Step 2 - File Claim
If damage is found, we’ll sign an insurance allowance agreement that allows us to work directly with your insurance company to file a claim. There is no fee for this service.
Step 3 - Schedule Insurance Adjuster Inspection
Either call us with your adjuster's information or have your adjuster contact us directly to set up an appointment. It is important to make sure we are there during your roof inspection. Remember, your insurance carrier has trained professionals representing them, and that is why we are representing you.
Step 4 - Complete Adjuster Inspection
Valiant and your insurance adjuster will inspect your property. Valiant will point out damages they may not see and make sure that they understand Wisconsin building codes and manufacturer specifications.
Step 5 - Verify Evaluation
The adjuster will send you paperwork with a summary of covered damages. Forward any paperwork to Valiant so that we can verify the damages have been fairly evaluated and accurately reported.
Step 6 - Schedule Repairs
Together, we’ll choose a date for the work to be performed and then discuss shingle types/colors, gutters, siding etc. and assist in choosing quality products that will make your home look beautiful.
Step 7 - Begin Work
Endorse your first ACV check payable to Valiant Roofing, along with payment of your deductible. Once your first payment is received by Valiant Roofing, we’ll begin the scope of work.
Step 8 - Final Inspection
After your project is complete, Valiant will review and inspect all work completed with you. If approved, we’ll get a signed a COC (Certificate of Completion) and will send finished paperwork to your insurance company to release the rest of your funds.
Step 9 - Final Payment
Endorse second insurance deprecation check payable to Valiant Roofing. Enjoy your beautiful new roof, siding, or gutters.
Referrals Greatly Appreciated!
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Frequently Asked Storm Damage Insurance Questions
Why Would My Insurance Company Replace my Roof?
The purpose of homeowner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If you have hail damage, your insurance company will compensate you for your loss and replace your roof.
I don't see any hail damage. What's all the fuss about?
Even if you can't see actual holes or indentations hail damage is a big deal because it; accelerates granule loss, drastically shortens the life of your roof, and voids manufacturer’s warranties. The adjuster will send you paperwork with what damages are covered. Forward any paperwork to Valiant Roofing so that we can verify that the damages have been fairly evaluated and accurately reported.
Your insurance carrier has trained professionals representing them. Do you?
Valiant Roofing was founded by a former insurance adjuster and is based out of Jackson, Wisconsin. Unlike the big storm chasing companies, we don't bring people in from Texas, we were here before the storm and we'll be here long after the storm chasers go on to the next one.
Will my rates increase if I file a roofing claim?
No. Homeowners Insurance does not work like Auto Insurance. You will not be penalized for filing a claim, however, because of your geological location rates will likely increase due to substantial storm damage sustained in your area.
What does a hail hit look like?
A hail hit on a shingle looks like a "bruise" or a dark spot where the granules on the shingle have been knocked off and the underlayment or fiberglass mat is exposed. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and the sun has yet to weather it to a dull color.
How do insurance companies pay on claims?
The 1st Check you receive covers the actual cost to repair or replace damaged property minus depreciation. When work is completed, the insurance company will issue a 2nd check for the recoverable depreciation amount.
Do I Need to Get 2 or More Estimates?
Your insurance company has a defined price list they use and will only pay actual costs for repairs, regardless of what prices you may get. Think of it this way. What reward will the insurance company give you for finding the lowest price for them? Will they lower your premium? Your insurance company will pay a reputable contractor only "fair market price".