Insurance Checklist
Andrus Bros. Roofing provides this insurance checklist as a way to secure your property and financial stability whether you are going through a routine roof replacement or a disaster replacement.
  • Secure your property: Temporary repairs are also covered by insurance to protect
    your property from further loss or damage. (A typical temporary roof repair should not
    exceed $300).
  • Call your insurance agent: Report the possible loss; let the professionals determine
    the extent of the damage. (Even if your damages are hidden, you will be covered for 12
    months).
  • Select your contractor: Protect your best interest by choosing a contractor familiar
    with the insurance claim process, as soon as possible. (If there are any discrepancies
    you will be represented professionally).
  • Adjuster meeting: To insure the scope includes all damages, and your needs are met,
    at a "price agreeable" to the insurance company and your contractor, they should meet.
  • Call your mortgage company: Advise them of your claim and inquire about their
    procedures for draft endorsement and contractor's affidavits, lien releases, etc. Be
    proactive!
  • Send check to mortgage company: Do not endorse the check, send the check to
    your mortgage company and request their endorsement, first. (This will help speed
    things up).
  • Review & schedule project: After you and your contractor have agreed on the scope
    and terms of the claim, you should schedule the work to begin immediately.
  • Accept material delivery: Verify the material mfg. & color with your contractor.
    (Expect to pay the first check at this time, but not to exceed more than 1/2 of the total
    amount of the contract).
  • Inspect your project: Once the job is completed and your are 100% satisfied with the
    work, you should expect to pay the balance of your first proceeds, minus your
    deductible.
  • File betterment claim: Upon receipt of the invoice, showing that the job is complete,
    and you have spent the first proceeds, you can file for the depreciation amount.
  • Final payment: Before issuing the final payment be sure you have all of your warranty
    papers and waiver of lien affidavits. (This will limit your liabilities and keep you in
    control).
  • Secure all documents: Keep all documentation in a safe place and treat it as you
    would any warranty information. Enjoy your newly restored home, and peace of mind.