Insurance Claims Assistance
Get The Most Out Of Your Insurance Claims
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Our Insurance Claims Process
Step One
A Detailed Inspection
Reach out to our team to set a time and date for your storm damage inspection. Our expert roofers will inspect your home for signs of storm-related damage, including damage to your roof, siding, gutters, fascia, and windows.
Step Two
Consultation
When the inspection is complete, we will go over the results with the homeowner. We will advise whether filing a claim is recommended. If filing a claim is advised, we’ll sign a contingency contract, stating that we will assist in getting your insurance company to approve the entire roof for replacement.
Step Three
Insurance Adjustment
We will meet with your adjuster at your property to go over all of the damages listed in the report. We’ll help you receive an honest estimate for the damages we found.
Step Four
Claim Approval
Once your claim is approved, we’ll work with you to create a plan for your roof replacement. We’ll go over timing, material options and any other questions you have.
Step Five
Installation & Final Checks
We’ll install your roof to the highest standards and complete a final inspection. We’ll make sure to thoroughly clean our work area leaving your home tidy and good as new
Years Of Expertise, At Your Service
We’re known throughout the Carolinas as the team to call when you are dealing with roofing damage. Here at Empire Roofing, we know exactly what signs of damage to look for, and will work with your insurance to get you every last penny you deserve. Our excellent relationship with all of the local insurance companies allows us to make repairing your roof easier than ever for you.
Quick Tips About Common Insurance Providers
USAA is a well-respected financial services group dedicated primarily to serving military members and their families. Known for its competitive rates and exceptional customer service, USAA offers a variety of products including insurance, banking, and investment services tailored to the unique needs of the military community.
YOU’LL NEED TO PROVIDE:
- Photos of the damaged area
- HOA Documents, if necessary
- Relevant repair estimates
State Farm is a leading insurance company in the United States, offering a wide range of services including auto, home, and life insurance to help individuals and families protect their assets and achieve financial security. Renowned for its customer-centric approach, State Farm is committed to providing personalized service and support through its extensive network of agents and digital platforms.
GOOD TO KNOW:
- Can file via phone, online, or through the app
- Be sure to have your policy ID with you when filing
- Be sure to have a copy of your work estimate available
Travelers Insurance is a prominent company in the insurance industry, offering a wide array of products such as auto, home, and business insurance. With a strong focus on risk management solutions, Travelers aims to provide reliable protection and peace of mind to its customers through innovative policies and dedicated service.
YOU’LL NEED:
- Your MyTraveler’s account login
- Photos of damages
- Relevant work estimates
Nationwide is a dependable provider of homeowners insurance, offering a wide range of coverage options to help protect your home and personal belongings. With a strong reputation for excellent customer service, Nationwide provides customizable policies that can include coverage for natural disasters, theft, and liability. Their user-friendly tools and resources, along with a network of knowledgeable agents, ensure that clients receive personalized and reliable support every step of the way.
YOU’LL NEED:
- Your name, address, and phone number
- Photos and/or a description of the damage
- Policy Number
Erie Insurance is a trusted, local insurance provider dedicated to protecting homeowners with comprehensive and reliable coverage. Known for its approachable and customer-focused approach, Erie Insurance offers personalized homeowners insurance that caters to the unique needs of its clients. With a commitment to delivering dependable service, Erie Insurance combines the warmth of a small, local company with tailored coverage options to keep your home and peace of mind protected.
You’ll Need:
- Photos or videos of the damaged area
- Your insurance policy number
- Your claims number
- Contact info for your insurance agent
Farm Bureau Financial Services is dedicated to helping homeowners protect what matters most with tailored insurance solutions. Their homeowners insurance policies provide comprehensive coverage, including protection for your home, personal property, and liability. With a focus on personalized service, Farm Bureau agents work closely with clients to design policies that meet their specific needs, ensuring financial security and peace of mind for every stage of life.
You’ll Need:
- Your name and address
- Your policy number
- Date of damage
North Carolina’s leading insurance claim contractor
Start Your Insurance Claim Process With Confidence
Dealing with insurance is an extra layer of complication as a homeowner, especially if you don’t understand how to navigate the steps. We want to make sure your home gets the service it needs with as little stress for you as possible. Whether your roof, siding, or gutters are damaged, we will walk through the insurance claim process with you from start to finish.
Let’s Get To Work
Glossary of Insurance Terms
Insurance Claim
A request submitted by a policyholder or their beneficiary to receive the benefits specified in an insurance policy.
Adjuster
A representative from the insurance company who evaluates the level of the insurer’s responsibility for a loss once a claim is filed.
Exclusion
Specific scenarios, conditions, or circumstances outlined in the insurance policy that are not covered.
Ordinance or Law Exclusion
Homeowners insurance policies might exclude scenarios where repairs or replacements of damaged property must adhere to building codes mandating upgraded materials. Typically, a standard homeowners policy covers only the cost associated with replacing or repairing using the original materials. Unless additional coverage is purchased, the cost difference between the original materials and the updated materials required by ordinances or laws is either excluded or limited.
Liability
Personal accountability for damages caused to your property due to negligence. This is also known as Personal Liability.
Premium
The fee an insurance company requests, determined by a specific rate, to offer the coverage detailed in the policy, or in simpler terms, the cost of insurance protection for a designated risk over a certain time frame. Most homeowners insurance premiums are billed on an annual basis.
Homeowner’s Insurance
A policy that offers protection against property-related and liability hazards experienced by homeowners.
Frequently Asked Questions
Get The Facts.
Why do I need help filing a claim?
Knowing the ins and outs of the insurance industry can help you get the most out of your claim. Often, your insurance company does not inspect your property themselves. Instead, they employ an independent inspector to conduct evaluations, capture images, and provide their assessments. We act as your representative on the roof, ensuring thorough documentation and that every aspect is accurately captured. Insurers may be reluctant to cover costs without clear justification. This is where our expertise proves invaluable.
How does your insurance claims assistance work?
After our initial inspection, we’ll reach out to your insurance provider and give them all of the relevant details. We’ll help negotiate and guide you through the process, ensuring you get the financial compensation you deserve.
How long will the claims process take?
While timelines can depend on a wide variety of factors, the process can typically take between 3-5 weeks.
What damage is covered?
Coverage will depend on your specific insurance policy, but homeowners insurance typically covers hail and wind damage to your roof and siding, as well as any damage caused by fallen trees or excess water.
What will my insurance policy not cover?
While it’s always a good idea to review your individual policy, a good rule of thumb is that insurance companies will not cover any damages that are a result of age or neglect on the part of the homeowner.
Will my rates go up if I file a claim?
No! While many homeowners avoid the insurance claims process for this exact reason, the exact opposite is actually true. Many homeowners receive a discount on their insurance rates for having a new roof installed.
Can you cover my deductible?
While we love to help out our customers, paying your deductible is a line we can’t cross! Covering someone else’s deductible is illegal. That means that you are fully responsible for any deductible charges that occur.
Do I have to pay upfront?
No, typically insurance claims are done before you pay us but we do collect the ACV check, the deductible and any upgrades as soon as the roof portion of the claim is complete.
From Inspection to Perfection, You’re Covered.
