Your insurance company will usually send a claims adjuster to assess the damage. This involves an inspection of your roof to determine the extent of the loss. Since Top Dog Roofing has already done their own inspection prior to this point, we can ensure that nothing is missed or any documentation is left out. Many homeowners with our years of experience ask that we be present during this process, which we are more than happy to oblige.

Familiarize yourself with your insurance policy to understand the coverage and deductibles. This will help you determine what costs will be covered and what you may need to pay out of pocket. This will need to be done between you and your insurance agent, as Top Dog Roofing legally can not help you with this step.

Your insurance company will review your claim and determine whether it meets the criteria outlined in your policy. They may request additional information or documentation if needed (ex: additional photos). If this requires getting up on your roof, we ask you to let a professional handle this part like Top Dog Roofing. Please do not get up on your roof if you are inexperienced and/or physically unable too.

If your claim is approved, your insurance company will provide you with the settlement amount along with the appropriate paperwork. The payment may be a partial or full payment, depending on your policy and any applicable deductibles. There are many different insurance providers and policies available, it's best to have an experienced professional review the settlement paperwork with you. Many times insurance estimates are inaccurate, requiring supplements to be filed. Some examples are: leaving off code upgrades, having the wrong measurements, missing items, wrong items, updating the date the work is completed, manufacturing requirements, or other important details or steps. Remember insurance companies are businesses trying to make money, so the less the amount that is paid out on claims (to you), the more they are able to keep (for themselves).

Work with a trusted roofing contractor to complete the necessary repairs or replacement of your roof. Here at Top Dog Roofing, we have completed 1000's of roofing projects involving insurance claims, and have the experience you are looking for.

After the repairs are completed, your insurance company may require a final inspection to confirm that the work has been done appropriately. Additional documentation is usually required to close out your claim and release the final depreciation. Top Dog Roofing can provide all of these details to your insurance company.

It's important to note that the exact steps and requirements may vary depending on your insurance policy and provider. We have worked with almost every insurance company and can 

*Not all claims are approved when an adjuster visits your property. Some claims take several trips to insure to get approved, while others are denied and never approved. Just know that Top Dog Roofing has faced each and every obstacle and can provide the next steps available.