Insurance Company Claim Toll-Free Numbers


We work with all insurance companies.

Below is a list of common carriers with claim filing contact information:

Acuity800-242-7666
Allied800-282-1446
Allstate800-54-STORM
American Family800-374-111
Atlantic Mutual800-945-7461
Bituminous800-475-4477
Chubb800-CLAIMS-0
Cinncinati513-870-2000
Citizens866-411-2742
CNA877-262-2727
Encompass800-588-7400
Farmers800-435-7764
Fidelity National800-220-1351
Fireman's Fund888-347-3428
Foremost Insurance Co800-527-3907
Grange800-445-3030
Harleysville800-892-8877
Hartford800-243-5860
Liberty Mutual800-2CLAIMS
Metlife800-854-6011
Motorists Mutual800-876-8766
Nationwide800-421-3535
OneBeacon877-248-4968
Ohio Casualty800-366-6446
Safeco800-332-3226
Selective866-455-9969
Shelter800-SHELTER
State Farm800-SF-CLAIM
Travelers800-CLAIM33
United Property & Casualty800-861-4370
Vanguard Fire and Casualty866-928-4310
Wausau800-266-2800
Zurich800-987-3373

If your insurance company is not listed above you can feel free to contact us to retrieve that information or call our customer service team at

(888)902-4192

.

 


 

Step 1: Have Your Property Inspected.


Give our team of inspection experts a call or contact us via email to request your free property inspection.. We will schedule a convenient time for one of our experienced project managers to come and complete your complete damage inspection on your property. If we don't find any damage---wonderful, now you can rest easily.  However, if we do find damage, we will provide you with a free detailed written storm survey inspection for your review and consideration.

Step 2: Agree to our Representation.


Next, we will offer our services to work directly on your behalf to represent your storm claim to your insurance company and fully contract your restoration project to a high standard of excellence.  One of our project managers(usually the same person who was assigned to do your inspection) will carefully explain our services in full detail and at that time you after you choose our representation we can commence with the remaining steps of your restoration project.


 

Step 3: Call in Your Claim.


After signing our representation agreement. You will then need to make a phone call to your insurance company. Here is a common list of the the majority of insurance companies. If your insurance company is not included within this list and you still need help finding it you can call our main offices at 1-888-902-4192, and we will work with you to locate it.  Once your claim is initiated you will be assigned a claim number.   You will need to make sure and give this number to your assigned project manager.  By having access to your claim number, we can work better on your behalf to ensure proper representation throughout the complete restoration project.  . Note* All insurance companies work differently, but for the most part, this explains the likely scenario. After calling in the claim your insurance company will assign you a claim adjuster. They might give you that information immediately, or they might call you at a later date. Soon, after your initial claim filing, you will receive a phone call from your insurance adjuster. At this time you will want to let your adjuster know that you have already chosen a contractor and you would like to have them present during the adjustment process. Many times, the adjuster will ask you for their information to set up a convenient time for both parties. This method is common, however, on occasion you will find your adjuster may be "put-off" by the extra hoop and even tell you that he doesn't need your contractor there. At this point, you will need to be considerate, but gently insist that you desire he bethere. Other times you might have an adjuster that says: "I will be here sometime on "Tuesday, July 12"; at this point, you can try to persuade him to set a more specific time target: preferably less than a two-hour window or ask for a call-ahead.  Remember, every insurance company differs from the next. But, it is your 100% right to choose your contractor. By law, the insurance company can not force you to go with any contractor for any reason. And since we have a signed contracting agreement with you, you are not required to have to submit multiple bids, unless of course they only want Brew-Crew's bid,  we will gladly provide your insurance company with that information.

Note: Under normal circumstances, it is in the property owner's best interest to have more than one trained damage assessor involved in the inspection process. Two eyes are better than one, and under many instances assessmen tis many times deemed a personal, educated opinion. There really isn't a solid set-standard to the insurance adjusting process. Each company uses separate guidelines for assessing damage and each adjuster can hold differing opinions. This is why it is extremely vital for homeowners to have qualified representation by a trained contractor that is knowledgeable concerning the storm damage restoration processes.

Step 4: Get Your Claim Approved.


On the day of your adjustment you will want to make sure that either you or your Brew-Crew project manager(preferably both), are there to represent your interests during the adjustment process. Adjustment, depending on the size of the property, can take from 1-2 hours. During this process, depending on your type of storm damage, you will notice your adjuster, and or contractor, making chalk marks, taking pictures of, and taking measurement of your property for accurate estimating. Once the adjustment process is complete your adjustor will normally take a moment to give you a verbal rundown of all damage that he found. Under normal circumstances, you will receive an initial check within 7-10 days that will allow Brew-Crew to begin the work on your restoration project. On occasion, your adjustor will issue you a check minus depreciation immediately upon the commencement of your adjustment meeting. Many times, your check will include two names. Your contractor's and yours, or your name and your mortgage company's name. If you have a check with your mortgage company included, we can handle it internally to speed up the restoration process to get your project started immediately instead of waiting up to 6 weeks for your mortgage company to sign off on the check and finally remit back to you.

Some other things to consider: Most property owner's carry replacement cost insurance which will actually pay for the cost to replace the damage, instead of actual cash value which pays for the current val. For example, if you have a 25 year shingle on your roof, and it is 5 years old.......if you carry replacement cost insurance(most homeowner's insurance is), your insurance will pay the fair estimated cost to replace a 25 year shingle at current contractor pricing. Whereas, if you did not have replacement cost, you would only receive a portion of the current replacement cost which is calculated based on the projected age of your property minus its expired life.

Assuming that you have the more common replacement cost insurance, your insurance company will most likely release a portion of the fair amount to replace the estimated damage......less the depreciation amount and less your deductible amount. For example, if the total cost to replace your 25 year shingled roof was estimated at $7500, and your shingle was 5 years of age, The insurance company will usually release 80% of the 7500. Since the life expectancy of your roof had expired by 20%. Your initial insurance check dispersed would amount to: $6000.00. You would receive the remaining amount only once the work included on your insurance scope (detailed damage) was completed.

In some rare cases, clients carry insurance that doesn't include full-replacement. In many of these cases, depending upon the amount of depreciation incurred, we can still work out a fair price to complete the work needed to repair the damage. However, if for example, your roof costs 7,000 to replace at a fair replacement cost and you only have 5 years of life left on your 20 year shingle. The insurance company would only be liable to pay you $1750 minus the cost of your deductible, therefore, it would not be possible to repair the damage for your insurance proceeds alone.. If you are unsure if you have replacement cost insurance, we encourage you to speak with your insurance agent. Replacement cost is usually a more expensive policy, but to carry anything less would not be adviseable.

Step 5: Start Your Restoration Project.


Finally, All the red tape is over, and now its time for some much anticipated results! Its time to renew and restore! The tedius tasks are over and now its time to reap the reward by improving your property. Although picking out material and colors can be exciting, for many it can also bring a little unwanted anxiety and apprehension. Seriously, who wants to have a new roof put on and then HATE it? Our restoration experts are trained to help you make the best decisions that fit suit both your home and your personal style. W will guide through each step with expert advice and information that will help you make Good choices that you won't regret. Depending upon your scope of damage, we will together make final material and color choices and then schedule your project for completion. 90% of our projects are completed in the same day! We don't mess around, your time is valuable, and so is ours. If your restoration project is larger or more extensive, we will work hard to ensure that it is completed in the most timely and efficient manner possible. Mother nature is not one to mess with, please take into consideration any adverse weather that might possibly extend your project completion. Click HERE to view our company's preferred material's website for interactive design and color ideas and options.  Certainteed also has a new interactive feature which allows you to view components on an uploaded picture of your property before making your final decision.

Step 6: The Final Details.


After your project is complete, we will direct bill your insurance company for the release of the depreciation amount of your project.   Soon after, you will receive a check for the remainder of the depreciation. You will remit the final amount due plus your insurance deductible* to Brew-Crew Restoration at this time. Give us a call, and we will set up a time to exchange the final amount due for your written 5-year workmanship warranty. Every insurance restoration project we complete is backed by our exclusive, industry leading 5-year workmanship warranty. Our warranty is even transferable if you decide to sell your home in the near future. Click HERE to view a sample copy of our warranty.

*Insurance companies require property owners to pay for their deductible. Click HERE to learn about our Deductible Assistant Program.

If you have more questions or to get started on your restoration project today, give us a call toll-free at:1-888-902-4192 or contact our project managers directly here.

 

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At Brew-Crew, every project matters, which is why every restoration project is contracted with industry leading products and experienced, certified installation crews. Top-quality products and workmanship is why we confidently back each restoration project with our industry leading 5-year fully-transferable written workmanship warranty. Check out our sample workmanship warranty above.

 


 

 

Remember, all insurance companies and policies are not created equally. Every insurance company has different criteria that determines whether they will pay for a claim and how much they will pay for it.

An accurate, well-written estimate will get your claim paid more quickly. Our trained professional estimators use Xactimate, an insurance damage estimating software. We will prepare your own estimate and include whatever your insurance company may have accidentally omitted in their original estimate. Less headache and quicker restoration are the result of using us as your restoration advocates which legally authorizes us to bill and work directly with your insurance company.

Click HERE for a list of Toll-Free numbers to submit your insurance claim.

The insurance company must determine two things when assessing the amount of your loss:

  1. Was there sufficient damage to the roof to declare it a total loss? (Wind damage can vary greatly from roof to roof but hail damage is commonly determined by 10 verified hail hits per 100 square feet.)
  2. What is the size of the roof and other damaged areas such as linear feet of gutters, squares of siding, ect.  and lastly what components will be necessary to replace in addition to the damage?   For example:   If the roof is deemed necessary to replace, then insurance will pay for the removal and replacement of tar paper and other roof installation components to properly re-install according to local building codes and regulations. 

What does hail do to a roof?

Shingles are designed so that the granules block the UV of the sun and protect the asphalt underlayment. As the shingles age the granules fall off over time. As the asphalt is exposed the UV, it dries out and the shingle gets a "potato chip" appearance as the corners start to curl up. A shingle at the extreme end of its life is bubbled in appearance and is brittle to the touch. A 20-year shingle is warranteed by the manufacturer to have a useful life, under optimal ventilation conditions, of 20 years. Hail does several things:

  • Accelerates granule loss.
  • Accelerates shingle aging.
  • Voids manufacturer's & installer's warranties.
  • Leads to other associated problems such as interior leaking.

Do I need to get my roof replaced right away?

The insidious nature of hail damage is that it may pose no immediate threat to the structural integrity of the roof. However, many insurance companies have a "statute of limitations" of how long a hail claim is viable. If you have experienced a loss such as hail damage it is prudent to take care of the problem in a timely manner, usually deemed as one year by most companies, before it leads to other associated problems, the most obvious being interior leakage.

What does hail hit look like?

A hail hit on a shingle looks like a "bruise" or a dark spot where the granules on the shingle have been knocked off and the asphalt underlayment and sometimes the fiberglass mat is exposed and sometimes even penetrated. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and has not had time to weather with algae and bacteria growth to a more dull coloration.

Why would my insurance company replace my roof?

The purpose of home owner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If you have hail, wind, or other storm damage, you have experienced a financial loss in that your original investment of a 20-year roof (for example) has now been reduced to a 5-10 year useful life span. Your insurance company will compensate you for your loss, determined by your type of policy, usually full-replacement, and replace your roof.

Why does the estimate read that there are more shingles to replace then there are to remove?

The amount of shingles to remove from your roof is the actual amount of square feet that it takes to shingle your roof. However, when putting on shingles, some shingles have to be cut to fit dimensions, ridges, hips and valleys. The insurance company adds 10% to regular ridge roofs and many times up to 15% to hip and ridge roofs to account for the installation waste factor.

My gutters and siding were damaged and the insurance company paid me for how many linear feet had to be replaced. When I called a contractor they had a minimum fee which was far in excess of the small amount the insurance company paid me. What can I do?

Your insurance company understands minimum charges such as these and has set prices they are prepared to pay as minimum charges for all trades. They do not give you the total cost to replace up front to ensure that you will in fact, have the damages repaired, which upon receipt, they will release the full estimate of damage to the homeowner.   Remember, if you choose Brew-Crew as your restoration advocates we will take the headache out of each line item and making sure there is enough money to cover the repairs, if the insurance company overlooked damaged or necessary items it is our job to ensure that they supplement for the necessary items to properly restore your loss.

In my adjustment, my insurance company deducted some money for depreciation, what is that all about?

Different insurance companies call the amount that they hold back different things. Some call it depreciation; other companies figure it in as a dump and removal fee. What it represents is the amount of money the company will hold back until they receive a signed contract or final invoice from you and a contractor for the scope of work that is to be or has already been performed.  When they receive this documentation you will then be issued the "held back" depreciation amount less your claim's deductible amount.

My insurance adjuster said there was no hail damage on his first inspection, I asked my BCR project manager to call him and request to walk through a re-inspection with him. On the re-inspection the adjuster concluded that there was hail damage and "totaled" the roof. Why such a dramatic turn around?

There are many different reasons that this happens so often. Sometimes adjusters get to a roof too soon after the actual damage and the hits haven't had a chance to weather yet. Sometimes the adjusters are inexperienced.  Sometimes they were just plain tired after looking at so many roofs that day. The bottom line is people make errors.  To ensure the best results for a paid claim, it is in the homeowner's interest to make sure an experienced restoration contractor accompanies your adjuster during their inspection.  Accountability is key to getting a fair and accurate adjustment to ensure thinks aren't overlooked.   If your contractor is present he can be your advocate and make his recommendation for what he deems a fair adjustment based on his previous findings, and better able to bring to the adjuster's attention any damage that could easily be missed, overlooked, or disregarded.  As with all things, two sets of  eyes and professional opinions are more accurate than one.

 

Read more about The Claims Restoration Process

 



 

 

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