Get The Most Out Of Your Insurance Claim.

As a roofing company with years of experience helping families keep their roofs and homes intact, Phoenix Restoration knows how to deal with insurance claims.  

If you experience damage to your property from a storm, your insurance company should give you the funding for repairs or replacement. Any approved items will be listed out in a scope of repairs. (An insurance document sent shortly after an insurance adjustment.) 

Phoenix Restoration has expertise in using this document to your advantage by utilizing a multitude of strategies to expand the coverage of the scope of repairs of an approved or partially approved claim. 

Sometimes when the scope of repairs is expanded, a new revised scope will be issued along with another ACV check. 

Otherwise, any added items will be considered a supplement (an addendum to the current scope of repairs) and will be paid for upon completion of the scope of repairs. 

While we don’t get to make final decision for the insurance company in determining what’s damaged, we can however, leverage; specifications, codes, laws, rules, regulations, and industry standards for workmanlike construction and repair to get items that rightfully belong on the scope added to the scope of repair. 

Beyond the insurance companies’ immediate obligation of paying for a direct physical loss, there are many situations where they also owe to extend coverage for any items that are or will be subsequently damaged or manipulated as a result of removing and replacing the item they’ve approved.

Some states, provinces, HOA’s, insurance policy endorsements, etc. have laws, rules, or clauses about: matching, uniform appearance, and line of sight. These are focused on the pre-storm, pre-damaged, appearance of your home. While some of these can seem to be a matter of opinion or ambiguous in nature, they are still very powerful tools in expanding the scope of repairs. 

Falling into the same category, are existing product discontinuation by the manufacturer. Essentially making an item non replaceable. Many of these scenarios require scientifically based or laboratory testing that has a small overhead cost.

In nearly all cases, Phoenix Restoration offers to take care of these tests pro bono for our clients. 

Phoenix can also utilize the specific language or clauses of your insurance policy to force expansion of the scope of repairs in some circumstances. An insurance policy is a legal contract. Naturally, it’s filled with complicated legal jargon. At Phoenix Restoration we’re experienced and adept in discerning the language of these legal documents. The exact language of a policy dictates what the insurance company is legally compelled to honor and what avenues are available to you in the case of a dispute. 

All insurance companies have a process of Arbitration and/or Appraisal listed in every policy that can be invoked in cases of a dispute. These processes can take up to, or between, 3-6 months. They involve hiring a third party to mediate the dispute, and a fourth party whose participation is agreed upon by all members of the dispute, to stand as an umpire or judge. The exact terms of an Arbitration or Appraisal will be listed in each specific insurance policy and therefore can have unique rules and costs. They are in place for financial disputes but have also been successfully used for damage disputes. 

Just a FYI: If you felt like taking your insurance company to the cleaners, making them pay through the nose, or gutting them, this is potentially a good way to do it. 

Even if you don’t want to, the threat can sometimes encourage a settlement, as it can cost the insurance company both time and money. 

Some insurance policies have stipulations about the minimum percentage of damage that a system has to take as a threshold before being considered a total loss of that system. This stipulation is beneficial to the policy holder. If a system has taken x percent of damage it is considered totaled. This can be useful when a storm has come in hard from specific cardinal directions, leaving some areas completely unaffected. These can vary from company to company and policy to policy. 

Phoenix will use the scope of repairs and your insurance policy as the basis of any arguments, technicalities, laws, ordinances, etc. to get any warranted items added to the scope of repairs. 

If Phoenix can add items to the scope of repairs, the value of what you pay for with a deductible (co-pay) [Link] goes up. You get more for the same amount of money. 

Since insurance is covering 100% of the cost outside of the deductible it’s advantageous to get as much as possible for that fixed rate.

It’s not all that uncommon that we more than double the size of the original scope of repairs. Typically, we are able to increase the size of the scope of repairs between 15%-40%. 

Phoenix is armed to the teeth with strategies to win. If it’s doable and worthwhile, and you’re willing to be patient while staying fully committed all the way through process, we will do everything we can to get it done. 

Contact us to 

Get more for your deductible and maximize your claim