ROOF REPLACEMENT PROCESS
STEP 1: PROPERTY INSPECTION
The first part of the claims process is an inspection of your property. At Roof Inspector New Mexico, LLC we will view the storm-related areas and buildings to determine whether or not your claim needs to be filed. It isn’t as easy as it may sound–it takes training in this field to detect damage, some of which may be hidden. As a General Contractor and Exterior Specialist, we’re trained to know industry standards. There are certain criteria and guidelines set to follow that will determine if it is a replacement or a repair.
STEP 2: SUBJECT TO AGREEMENT
After inspection, RINM will sit down and explain what repairs are needed to repair your home. We will review all the steps of the insurance replacement process and also explain the form that allows us to go to work for you, the homeowner. This form is called the “Roofing Agreement”. The Agreement states that you’re not under any obligation unless your claim is approved by the insurance company and they’re willing to pay for the repairs. The “Roofing Agreement” also states that the only cost to you is the insurance deductible. RINM requires that we have this approval in writing before discussing the claim with an adjuster.
STEP 3: FILING THE CLAIM
Unfortunately, RINM cannot file a claim for you. As the homeowner, you’re the only one that can file. But it’s not difficult–all we need to do is call your insurance company and let them know that your home has sustained storm damage. Once we have a claim number, I can assist from that point forward. While filing, we will let them know you’re working with RINM and that you would like their adjuster to meet with us when they come out. This saves everyone time and the adjuster won’t need to make several trips, which helps us restore your home to its original condition as quickly as possible.
STEP 4: MEETING THE ADJUSTER
RINM will meet with the adjuster and point out all the damages that were found. The adjuster will create a breakdown as well. You’ll be comforted to know that both RINM and the adjuster work from the same guidelines. The industry standards and criteria for assessing damage are actually set by HAAG Engineering. When the insurance adjuster and we are following the same guidelines, it’s easier to come to an agreement. Additionally, RINM has experience working with all major insurance companies. We are trained to understand the language of insurance policies, which allows us to communicate well with the adjuster. When an accurate scope of work is confirmed by an adjuster and RINM, the scope is placed into the software program, which generates a complete line-by-line itemized pricing for the project. Set standards and confirmation from both the insurance adjuster and RINM gives the homeowner peace of mind knowing everything is accurate and everyone is in agreement.
STEP 5: FUNDING THE PROJECT
DEDUCTIBLE - Once we receive approval from your Insurance Company, two things will happen simultaneously. The Insurance Adjuster will tell your Insurance Company to write you a check for the Actual Cash Value for your claim. While you are waiting for your check, you and your RINM Representative will pick out your building materials and colors. Also, we will collect the insurance deductible check. This should be your only out-of-pocket expense
FINAL INVOICE - We will send the final invoice to the insurance company for the remaining funds. It generally takes two to four weeks for the final check to get back to you. All funds are sent to you because it’s your claim. Due to the length of time, it takes for the final check to arrive, you’ll have plenty of time to make sure all is well and nothing was forgotten. At this time you give us the final check from the insurance company
STEP 6:PRE-CONSTRUCTION
RINM understands that communication and customer satisfaction are essential since it’s virtually impossible to have one without the other. Because we realize the importance of being prepared for the arrival of the roofing crew, we’ll call before construction starts to inform you that the roofing crew will arrive in the morning. We’ll also remind you to review the How to Prepare for Construction checklist and to move autos to avoid being blocked in. We will then go over special attention areas such as existing leaks. Last, RINM will inventory all materials, confirm your color choices, and view areas for safety.
STEP 7: SITE PREPARATION
Upon arrival, the roofing crew will check in with you, and then the crew will prepare your home for safety and protection from damage. From this point forward, all construction will be supervised by the roofing crew foreman. During this meeting, we’ll address any special instructions or concerns you may have, such as landscape protection, decks, pools, and personal property.
STEP 8: DURING CONSTRUCTION
The first step is to remove all of the old and damaged material, making every effort to keep a clean job site we generally strip the complete old roof before installing the new one, which is a very crucial step that allows us to do a deck inspection to ensure that the nailing surface is solid. The second step is to install the new material. Different roofing systems have different underlayment's. The top layer is the last step and generally takes a day. At the end of each day of construction, we will do a cleanup and after the last stage of construction, a final overall cleanup will be performed.
STEP 9: POST CONSTRUCTION
After the completion of each trade, RINM will go over the new roof with you to make sure you’re completely satisfied with every aspect of the work. It is important that you complete an inspection with us to make sure nothing has been overlooked and that the re-roof meets your satisfaction and our high-quality standards. This acts as a confirmation that RINM has fulfilled our promise to you.
STEP 10: WARRANTY
After you receive your final check from the insurance company RINM will collect the final balance due on the project. we will then turn the check-in and your final Workmanship Warranty will be sent to you. Our goal is to provide complete customer service from the initial inspection through the post-construction review.
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