Insurance Claims Expert | Bold North Roofing & Contracting
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Simplify Your Insurance Claim
with Bold North Roofing

Expert Assistance for a Smooth and Stress-Free Claims Process.

Bold North Roofing and Contracting knows how overwhelming insurance claims can be after a storm. Our experts handle the process directly with your insurance company, ensuring you receive the coverage you deserve without the added stress.

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Assessing Roof Damage: When to Call a Contractor

The first step in the insurance claim process often begins with damage to your roof. Whether caused by a storm, hail, wind, or other unexpected events, knowing how to assess the damage and understanding when to call in a professional can make all the difference. Here are the signs to watch for:

Missing or Broken Shingles

High winds can rip shingles off your roof, leaving exposed areas vulnerable to further damage. After severe weather, look for loose, cracked, or entirely missing shingles to ensure your roof's protection and prevent further deterioration.

Leaks and Water Stains

Water stains on your ceiling or walls could indicate that water is seeping through your roof, compromising its integrity. This critical sign requires prompt attention to prevent extensive water damage and possible structural issues.

Tree Damage

Heavy winds or storms can knock over large tree branches or even entire trees, potentially causing significant roof damage. Look for punctures, crushed sections, or debris on your roof, which may signal more extensive structural harm that requires immediate attention.

Lightning Strikes

Lightning strikes can cause sudden and severe damage to your roof. Check for burns, cracks, or even sections of your roof that may have blown off due to the intense heat and force of the strike. Lightning damage often requires specialized assessment due to the unpredictable nature of its impact.

Visible Debris or Impact Damage

After a storm, inspect your yard for shingles, tree branches, or other debris that could signal roof damage. Check for dents, punctures, or other signs of impact that may have weakened the roof.

Granule Loss

A large number of granules in your gutters or downspouts may signal that your shingles are aging or have been damaged by hail. This granule loss reduces the shingles' effectiveness in protecting your home from the elements.

Sagging or Warped Roof Sections

Any visible sagging or warping on the roof surface could point to structural damage. This issue requires immediate professional attention to avoid further roof failure and potential safety hazards.

Damaged Flashing

Flashing around chimneys, vents, and skylights can come loose or deteriorate over time. These gaps can allow water to enter, leading to leaks and further damage if not properly repaired.

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Understanding Your Insurance Policy

Your insurance policy is the foundation of your claim. Here’s a detailed look at how to interpret the key elements of your policy:

Coverage Types:

  • Replacement Cost Coverage: This coverage pays for the full cost of replacing your damaged roof with a new one of similar kind and quality. It doesn’t account for depreciation, so you’ll receive enough to replace your roof as it was before the damage.
  • Actual Cash Value Coverage: This option compensates you based on the current value of your roof, factoring in depreciation. While it may result in a lower payout, it can still provide significant financial support.
  • Extended Coverage: Some policies offer endorsements or riders that enhance your coverage, such as protection against specific types of damage like hail or wind.
  • Deductibles: Understand the amount you’ll need to pay out of pocket before your insurance coverage kicks in. Deductibles can vary based on the type of claim and the terms of your policy.
  • Exclusions and Limitations: Familiarize yourself with what’s not covered by your policy. Common exclusions include damage from lack of maintenance, pre-existing conditions, or certain types of weather-related damage not specified in your policy.
  • Endorsements and Riders: These are optional additions to your policy that provide extra coverage. For example, you might add a rider for better protection against specific perils like flooding or earthquakes.

The Bold North Advantage

Why Trust Bold North Roofing with Your Insurance Claims?

A photo of roofing on a home

Unmatched Expertise

With years of experience working alongside top insurance companies, we know exactly what adjusters look for and how to make sure your claim is approved.

A Hassle-Free Process

From the moment you file a claim to the final inspection, we take care of all the paperwork, phone calls, and negotiations—so you don’t have to.

A Team That Cares

We are not just contractors; we’re your neighbors. Our goal is to protect your home and ensure you’re treated fairly by your insurance company.

DISCOVER HOW WE CAN HELP

The Bold North Insurance Timeline

  • Bold North Post-Storm Inspection

    After a storm, a Bold North Roofing professional visits your home to inspect for potential damage, ensuring that all types of damage—whether from fallen trees, heavy winds, or lightning—are fully documented and nothing is overlooked.

  • Homeowner Files A Claim

    (1 – 2 days later)

    If damage is found during the inspection, the homeowner files an insurance claim to start the process of receiving coverage for repairs or replacements.

  • Insurance Adjuster's Visit

    (1 – 2 weeks later)

    An insurance adjuster arrives on site to inspect your home, assess the damage, and determine the amount of coverage your insurance policy will provide.

  • ACV Check Receipt

    (2 – 3 weeks later)

    The homeowner receives the Actual Cash Value (ACV) check, which represents the initial payment for the claim. If necessary, the homeowner sends the check to the mortgage company for endorsement.

  • Roof Selection & Payment

    (1 – 2 weeks later)

    The homeowner selects their new roof and writes a check for the combined amount of the ACV payment and the deductible to Bold North Roofing, securing the necessary funds for the project.

  • Project Completion & Invoicing

    (1 – 2 weeks later)

    Bold North Roofing completes the agreed-upon work and submits an invoice to the insurance company, detailing the job done and the costs incurred.

  • Depreciation Release & Final Inspection

    (1 – 2 weeks later)

    The insurance company releases the depreciation payment, while the mortgage company conducts a final inspection to verify that the work has been completed to satisfaction.

  • Final Payment

    (1 – 2 weeks later)

    The homeowner pays Bold North Roofing the remaining balance (including their deductible), concluding the roofing project and ensuring their home is protected against future weather-related damages.

Avoid Common Insurance Claim Mistakes

Avoid these common pitfalls to ensure a smooth claims process:

Erik Reviewing Information With a Client
  • Incomplete Documentation: Insufficient documentation can lead to delays or denials. Provide comprehensive evidence of all damage, including multiple angles and detailed descriptions.

  • Delayed Reporting: Report damage promptly to avoid issues with your claim. Most policies require timely reporting, and delays can impact your coverage.

  • Ignoring Policy Details: Thoroughly review your policy to understand what’s covered and what’s not. Ignoring policy details can lead to unexpected out-of-pocket expenses.

  • Neglecting Temporary Repairs: Failing to perform or document temporary repairs can result in additional damage and reduce your claim’s payout. Keep records of all emergency measures taken.

  • Disregarding the Adjuster’s Report: Review the insurance adjuster’s report carefully. If there are discrepancies or inaccuracies, address them immediately to avoid affecting your claim.

Frequently Asked Questions

Your Insurance Claim Questions Answered

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Don’t wait for problems to get worse.
Let Bold North Roofing handle your claim and restore your home with ease.

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