Claim Roadmap

Question 1

What are the key questions to ask when assessing roof damage?

Answer 1

• How much storm damage is visible? (Low, Medium, High)
• What leverage exists for replacement vs. repairs? Consider compatibility, availability, repairability, matching appearance, and construction details.

Question 2

What are the different levels of leverage and damage?

Answer 2

• High Leverage Low Damage
• High Leverage Medium Damage
• High Leverage High Damage
• Medium Leverage Low Damage
• Medium Leverage Medium Damage
• Medium Leverage High Damage
• Low Leverage Low Damage
• Low Leverage Medium Damage
• Low Leverage High Damage

Question 3

What should be considered before a claim lands in denial or requires only repairs?

Answer 3

It’s important to have a proactive roadmap including homeowner involvement, initial inspection outcomes, and a strategy to reach the finish line if repairs are needed.

Question 4

What are the possible outcomes of an initial adjustment/inspection?

Answer 4

• Denial of everything
• Denial of the roof but acceptance of collateral
• Approval for repairs or some roof items
• Full replacement (not covered in this roadmap)

Question 5

What are the strategies if facing a denial of roof surface damage?

Answer 5

• If components like roof metals are allowed, decide whether to discuss roofing concepts or damage concepts, or both. Options include re-inspecting for missed damage, or having the homeowner drive the re-inspection.

Question 6

What approaches are suggested for dealing with repairs to roof components only?

Answer 6

Focus on the main leverage points such as compatibility, availability, and repairability without getting sidetracked by less relevant issues. Propose logical requests for shingle replacement if needed.