By CoMitted 365 | Sep 08, 2022
Home projects come in all shapes and sizes, and when it comes to the roof - it can be a daunting undertaking. We’re in the business of being the best roofer in Minnesota, but also in the business of taking the stress of roofing projects off our clients’ plates. We put our heads together to compile the most frequently asked questions regarding roof repairs so you can feel even more confident about the process.
1. What is a Supplement that is sent out for your project?
An insurance claim supplement is a charge or charges that need to be added to a claim for items omitted, overlooked, underpaid, or discovered after work begins.
Supplementing a claim is allowable, and insurance companies prefer to get notification of supplementation requests early rather than late in the project. However, when a contractor is installing a roof, they may not wait on insurance approval for a supplement but will do the work needed and then, after the roof is complete, file a supplement. This is not out of the ordinary, since contractors do not want to leave your roof open and risk additional damage due to rain, etc.
As your contractor, CoMitted 365 will work with your insurance company to present the items for supplementation. We will identify each item to be supplemented, write an explanation, and in some cases, support findings with pictures.
2. My mortgage company is listed on my insurance check, now what?
The insurance company issues payment to everyone who has a financial interest in the property. If you’re married or own your own home with a partner, both of your names will be on the check. This is standard industry practice. Your mortgage company will also be listed on the check. Your bank won’t cash the check without the signature of everyone involved. You’ll need to endorse the check and send it to your mortgage company.
The mortgage company will cash the check and deposit the money in an escrow account. It will issue payment in increments to fund repairs, but it won’t pay out all the funds until it is satisfied that all repairs have been made to its satisfaction. You may be familiar with this setup if you have ever built a house. The construction lender paid out construction loan funds in increments to pay the various subcontractors who worked on the home. During rebuilding and repairs, you’ll go through the same process.
Since you’ll need the money to pay contractors to get started on the repairs to your home, you’ll need to submit a request to your mortgage company for money to make the initial deposit your contractors require. This is often 50 percent of the total cost of repairs. Gather repair estimates from the contractors and submit these to your mortgage company. It will cut a check for the total and you can distribute the funds to the various contractors to get repairs underway. When the work is finished or nearly finished, the mortgage holder will dispense the rest of the money to pay for the work. Your mortgage company may require an inspection to verify that the work was done properly before it will make the final payment.
As you work with your mortgage company for payments, we suggest:
- Stay in frequent communication with them once the project begins. Be persistent and patient, and be polite but firm.
- Ask the mortgage company to clearly identify what paperwork is required for the disbursement of funds and send it as soon as possible.
- Update the mortgage company immediately with progress. As your contractor, the CoMitted 365 team will keep you updated with milestones.
- Keep a running list of the name(s) and contact information for every person you speak with through the project.
- Write detailed notes that review what’s happened to date and conversations and/or commitments made
3. How long does a roof take to repair?
An average roof typically takes a complete day to repair, start-to-finish. There are a number of variables that play a role - ie weather, supplies, scope of project, etc. – so we typically always plan on two complete days for accurate planning.
4. Do you take photos of the process?
Yes, we take photos of each phase; the tear-off, the dry-in, and the completed roof. Once the roof is torn off, we take photos of the exposed sheathing. Then once all the ice and water shield and underlayment are installed, we take photos of the entire roof again. Finally, once the roof is shingled and completed we take photos of the entire roof one last time.
5. How will you protect my windows and siding from damage?
Our team is meticulous with the safety and care of the exterior of your home. We use plywood and tarps to prevent damage to your siding, windows, and landscaping. Should we anticipate the need for anything needing to be moved, temporarily relocated, or addressed with extra care, we’ll be sure to talk with you first.
6. Who do you call at CoMitted 365 if/when you have a question?
Should any questions come up during our work together, your Project Manager will be the best person to reach out to. We pride ourselves in hiring hardworking, dependable, and communicative PMs and you can rely on yours to be your go-to.
During the project, your PM will be responsible for:
- Organizing, planning, coordinating, and reporting onsite construction
- Overseeing construction activity, material orders and delays, and team management of projects
- Reading and understanding all project documentation, permits, and insurance information
- Documenting (and communicating) any delays and/or changes
- Assuring compliance with company and OSHA safety standards and policies
Our team has over 50 years of combined experience. You can expect top-quality service from a committed team. You will be treated with respect, honesty, and integrity every step of the way and we will never pressure or rush your decisions or timelines. We partner with suppliers to stay up-to-date on the latest trends and bring the best craftsmanship for roofing and exteriors.
When we say Quality is our tradition and roofing is our heritage, we mean it.
Topics: Roof Repair | Types of Roofing | Insurance Claims | Expertise