Step-by-Step Guide to Roofing with Insurance – What to Expect

Thank you for trusting 360 Innovations Roofing Company with your roofing project!

We’re here to walk you through every step — from the initial inspection to the final warranty.

This guide explains exactly what happens next and how to make the process smooth and successful.

PHASE 1: INITIAL INSPECTION & DAMAGE EVALUATION

Property Inspection by 360 Innovations Roofing Company

– Your Project Manager performs a thorough, professional roof inspection.

– We identify visible storm damage (hail, wind, debris impacts, water intrusion) and take detailed photographs.

– We evaluate if a full roof replacement is warranted based on age, wear, and insurance criteria.

Damage Documentation

– We create a photo report and professional damage assessment that can be submitted to your insurance company if needed.

– Our goal is to fully document all necessary damage to support a fair insurance claim.

Pre-Claim Consultation

Before you file a claim, we discuss:

– Estimated repair costs

– Likelihood of approval

– Insurance carrier tendencies (every company handles claims slightly differently)

– We advise you whether filing a claim makes sense based on potential out-of-pocket exposure (deductible, exclusions).

PHASE 2: INSURANCE CLAIM FILING

Filing the Claim

– You (the property owner) contact your insurance provider to open a claim.

– Provide basic information: type of damage, date of storm (if known), and visible issues.

– Get your claim number and pass it along to your Project Manager immediately.

Adjuster Meeting Coordination

– An insurance adjuster will schedule a site visit to inspect your roof.

– Whenever possible, our team will meet the adjuster onsite to:

     – Represent your interests

     – Point out damage areas that might otherwise be missed

     – Answer technical questions

– This step dramatically improves claim results.

Initial Insurance Estimate Issued (ACV Payment)

– After inspection, the insurance company will send an initial estimate and check called ACV (Actual Cash Value).

– This is based on the depreciated value of your roof (not the full cost to replace it).

PHASE 3: CLAIM REVIEW & SUPPLEMENTING

Comparing Estimates

We carefully review your insurance scope to ensure it covers everything needed for a full, proper restoration.

Supplements (If Needed)

– If items are missing (code upgrades, ventilation, drip edge, decking, etc.), we submit a Supplement Request to your insurance company.

– Supplements are common and necessary to meet current building code and complete your roof properly.

Customer Responsibility During Supplements

– You may be asked to sign supplemental paperwork.

– Be prepared to communicate with your insurance adjuster or mortgage company if requested.

PHASE 4: JOB SETUP & MATERIALS

Material Selections

– We will present options for shingle types, colors, accessories, and upgrades if desired.

– We match as closely as possible to existing colors, but slight variations may occur depending on manufacturer availability.

Material Ordering and Delivery

– Once insurance approval is finalized, we order your materials.

– Materials are delivered directly to your property — typically 1 to 3 days before installation.

Deposit Collection

Your deposit (typically 15% of total contract plus your deductible) is due the day before material delivery.

Scheduling Your Project

Your Project Manager schedules your installation date.

PHASE 5: INSTALLATION

Roof Tear-Off and Replacement

– Our professional crews remove old roofing down to the decking (unless otherwise specified).

– Decking is inspected for rot or soft spots; necessary repairs are made as per code and contract.

System Installation

Underlayment, ice & water shield (if required), starter strip, ventilation, pipe boots, flashing, and new shingles are installed according to manufacturer specifications and local building codes.

Project Management and Safety

A trained supervisor oversees the project to ensure quality and OSHA safety compliance.

Cleanup and Final Inspection

– We perform a thorough cleanup of the jobsite.

– Roof vents and accessories are painted to match the new roof where applicable.

– A final inspection is performed to ensure the work meets our high standards.

PHASE 6: COMPLETION & FINAL PAYMENT

Final Walkthrough

– We conduct a walkthrough with you to confirm satisfaction.

– We address any outstanding punch-list items promptly.

Final Invoice and Payment

– We submit the final invoice to you and your insurance provider.

– You will typically receive your RCV (Recoverable Depreciation) check at this point.

– Final payment of the full contract amount is due upon substantial completion, regardless of any insurance payment delays.

PHASE 7: WARRANTIES AND DOCUMENTATION

Warranty Activation

– Once final payment is received, your Labor Warranty and applicable Manufacturer Material Warranties are activated.

– You will receive digital or printed copies of your warranty certificates.

Maintenance and Roof Care

– Regular roof maintenance is recommended to protect your investment and maintain warranty eligibility.

– Ask us about enrolling in a Roof Maintenance Program to extend your roof’s lifespan!

Important Things to Remember:

Deductible Payment:

Texas law prohibits contractors from waiving or absorbing deductibles. Your deductible must be paid separately from insurance proceeds.

Supplements Are Common:

Insurance rarely gets everything correct the first time — supplements help ensure your roof is replaced fully and legally.

Mortgage Company Process:

If your mortgage company is listed on your insurance check, it must be endorsed. Plan on 7–14 additional business days for that process.

Weather Delays:

Roofing is weather-dependent. If rain, high winds, or freezing conditions occur, we may need to adjust your scheduled date for safety and quality reasons.

Change Orders:

If you request upgrades or additional work not covered by insurance (such as gutter replacement, additional ventilation, or material upgrades), we will provide a separate Change Order for your approval.

Our Promise to You:

We take pride in making your restoration process as smooth, transparent, and professional as possible.

If at any point you have questions, your Project Manager is your direct line of communication — and we are here to serve you!

GET A FREE QUOTE TODAY:

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Call 360 Innovations at:
(214) 402-6943

We have a 100% customer satisfaction rating combined
with a A+ rating with the BBB.

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With roofing offices in Richardson, TX and Mesquite, TX, we are here to help