Insurance Claims - Elite Restoration Pro

Filing an insurance claim for damage sustained in a tornado, hailstorm, or other type of catastrophe is not something most of us do often. The process can be intimidating, confusing and time consuming, especially if certain protocol is not followed.

As an established general contractor who is already familiar with the claims process, we will ensure your property is properly restored. ERP specializes in the insurance restoration process. Our professional and courteous staff are here to offer our assistance in the insurance claims process.

The Inspection

If you suspect hail or wind damage from a recent storm, the first call should always be to an experienced roofing and siding contractor. By choosing ERP as your insurance restoration specialist, we will conduct a FREE complete, non-invasive inspection of your property for any and all storm-related damage. If there is damage, we will find it. We will photo-document and review in detail with you all of our findings.

No Damage: If we don’t find enough damage to warrant an insurance claim, we’re happy to give you the peace of mind that your home is in fine condition and an insurance claim is not necessary at this time.

Damage: If there is damage to your property, we will recommend filing an insurance claim to restore your home back to, if not better than, it’s pre-storm condition.

Will filing the claim raise my insurance rates? NO!! This is precisely why you pay your annual dues to your insurance company. These catastrophic storms are considered Acts of God. You did nothing to cause the damage to your home, and it will not be held against you if you choose to get it repairs.

Filing the Claim

If damage is found, the first call should always be to your insurance company’s claims office – not your personal insurance agent. Most agents are not responsible for or trained to handle the claims aspect of your policy.

The claim handler will assign claim number and a claims adjuster. Write this number down, as it will be very important throughout the process. Call your ERP representative and provide the adjuster’s name, contact information and appointment time, if an appointment has already been scheduled. ERP will negotiate with the insurance provider for a fair insurance settlement.

The Adjuster Meeting

Shortly after filing a claim, a field adjuster from your insurance company will contact you to schedule a time to inspect your property. Let your ERP sales representative know the day and time of your adjuster meeting, and we’ll be there. As much as they appreciate your business, the insurance carriers ultimate goal is to keep their expenditures down. Thus, it is critical for your ERP representative to attend the initial inspection meeting to serve as your advocate.

A field representative from ERP will meet with the insurance adjuster and go over all of the damage together, making sure that your inspection is thorough and that no damage is unaccounted for.

Whenever possible, your ERP representative will provide a satellite imaged, engineered report detailing the exact roof measurements which will further assist in documenting the damage.

Ensuring a Fair Settlement

Once the insurance adjuster inspects the extent of damages to your home, he or she will provide a claim summary detailing the scope of repairs or replacement. Most insurance providers use a pricing software called Xactimate to determine the fair market price of your roof replacement. For this reason, ERP also uses Xactimate, ensuring that all of your losses are fully accounted for. When you receive the adjuster’s claim summary we will review it to ensure every detail is accounted for.

From time to time, the pricing on the adjuster’s claim summary can fall below what is considered fair market value. If any items are omitted, or there is a discrepancy, our insurance claims professional will negotiate the difference with the insurance company on your behalf. This isn’t always necessary, but when it is, it’s a great benefit for the homeowner to have a company like ERP that is familiar with all insurance companies on your side.

Once the negotiation process has been completed, the insurance company will release a supplemental check to cover the additional amount that was determined through negotiations with the insurance representative.

The Supplement Process is handled 100% by ERP, freeing you of the inevitable paperwork, phone calls, and stress.

Installation of Roof

Once the first insurance check, deductible and insurance loss statement are received ERP will do our best to have your job started within one week’s time (weather permitting)

Replacing a roof, siding, or gutters is a major undertaking, on the biggest investment of your life: your home. We take every precaution necessary to ensure that you are 100% satisfied with the repairs that will be done to your home. Here are a few things that we promise, and a few things we suggest:

We suggest that you remove any items from your interior walls, so as not to risk them falling with all the hammering. You should also keep all pets inside and park all cars on the street.

We will place tarps all around your landscaping.

We will go over your property dozens of times with a rolling magnet, picking up any loose nails.

Recovering the Deprecation

After the roof has been installed, ERP will provide the necessary documentation to the insurance company to let them know the work is complete. If the depreciation withheld is recoverable, we will ask for the release of those funds. It is possible that if a supplement was negotiated that it may be included in the final check along with the depreciation.

Beware – If you have been approached by a contractor with a lower bid than the insurance loss statement your insurance company will not allow you to keep the savings. Either you or your contractor has to provide a false invoice to the insurance carrier to recover the depreciation. If a contractor has presented this illegal offer of savings you may be in danger of participating in insurance fraud.

Making the Final Payment

Once you receive your last insurance check, and mortgage company endorsements are made, we will collect the final amount due on the roofing and/or siding job.

Reviews

      EXCELLENT  
   Based on 114 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Susan Krueger 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jake and Dan and the roofing and siding crews were just amazing!  The work was meticulously done and done in a timely fashion.  The help  we received with our  insurance company,  that Jake was in charge of , was wonderful.  We highly recommend Elite Restoration Pro !!!!
  
 
      Posted on Google  
   
   John Battalio 
 
 
 
 Trustindex verifies that the original source of the review is Google. The crew was absolutely spot-on with their work ethic and skills. The on-site crew leader, Elvis, was easy to work with and always available. Dan came to our house to check on progress and answer any of our questions. His final house check was detailed and efficient. From start to finish, Jake was available to answer questions and resolve issues.  One day and we have a beautiful new roof on all three buildings!
  
 
      Posted on Google  
   
   Doug Tanner 
 
 
 
 Trustindex verifies that the original source of the review is Google. What can I say was going to spend over 11k out of pocket tell Elite Restoration Pro showed up! After they left I had a new roof at the cost of my deductible! Let me tell you saved me big time.. plus amazed by efficiency very quick and stress free!! I recommend you check them out! THANKS
  
 
      Posted on Google  
   
   Richard Mammel 
 
 
 
 Trustindex verifies that the original source of the review is Google. A hail storm during the night hours came came through this area a couple of months ago.  I hadn't realized hail had accompanied what  was a loud downpour of rain for a while during the previous night!  A rep from Elite Restorations appeared at my home the following morning, telling me of the hail storm and offering to perform a free inspection.  He told me of the extent of the damage and that believed I qualified for financial assistance through my home insurance.  My insurance company sent out one of their inspectors who concurred with his diagnosis.  We arranged a day for all the labor to be performed.  The roofing crew members were all very patient and kind, just as all various reps of Elite Restorations have been.  As I have a history of a heart attack and stroke from several years ago, all the helpful and caring employees with Elite Resotations gave me very appreciated stress free days and did a superb job throughout the entire process, doing the roof work in only one day!
  
 
      Posted on Google  
   
   Tavish Mackell 
 
 
 
 Trustindex verifies that the original source of the review is Google. I can't recommend Elite Restoration Pro enough! When a tree unexpectedly fell on my family’s house, we were in a panic and needed immediate help. The Elite crew came to our rescue and made the entire process smooth and stress-free.

From the moment we called, their team was professional, responsive, and compassionate. They quickly assessed the damage and provided us with a clear plan and timeline for the roof replacement. The crew was punctual, worked diligently, and kept the area clean throughout the process.

Not only did they do an outstanding job on the new roof, but they also took the time to answer all our questions and ensure we were comfortable with everything. It's such a relief to have a safe and secure roof over our heads again!

They truly care about their customers and deliver top-notch service. Thank you Elite for turning a stressful situation into a positive experience!
  
 
      Posted on Google  
   
   Tony Lockwood 
 
 
 
 Trustindex verifies that the original source of the review is Google. I recently had some other company come by and say I had hail and wind damage to my shingles but luckily I know Jake from Elite. He came and assessed my roof promptly and said there was no damage other than normal wear. I will be calling this company in the future.
  
 
      Posted on Google  
   
   David Childers 
 
 
 
 Trustindex verifies that the original source of the review is Google. Not one for writing reviews but my experience with Laidy was incredible and deserves one. A professional and an absolute pleasure to work with.
  
 
      Posted on Google  
   
   Alecia Allen 
 
 
 
 Trustindex verifies that the original source of the review is Google. We worked with Jeremy from Elite Restoration Pro and I cannot reccomend him and this company enough! After the storms we had in my neighborhood this past summer, we need a new roof badly. Jeremy came out to assess the damages and helped us with roofing, siding, and gutters! He is friendly, approachable, and had some great ideas to make our home look even better than we imagined. The work was done quickly and we couldn't be happier! Thanks, Jeremy!
  
 
      Posted on Google  
   
   Shella Bella 
 
 
 
 Trustindex verifies that the original source of the review is Google. ~ When I hired Elite Restoration to put a roof on my log cabin, I was so excited, but cautious because I had previously signed a contract and gave another company an ample down payment and never saw them again.  Jake Bebeau, the owner of Elite, knew of my unfortunate experience and promised me he would replace my roof and I would be happy.
~ He went way beyond my expectations!  When he looked at the roof, AND my skylights, he said it definitely showed damage from hail and wind.   I hadn’t thought about that but remembered a lot of the neighbors had also had damage the summer before.  I filed a claim with my insurance company and it was declined.  Jake immediately contacted my insurance company and told the adjuster that he disagreed, and with more obvious proof, the claim was approved.
~ Within two weeks his crew showed up and they were on the roof like Spidermen!  You should have seen it.  When they finished in less than eight hours, they had cleaned up the yard meticulously and hauled all of the debris and equipment out of the woods piecemeal.  Jonny and his crew were amazing.  I can tell you that I have never dealt with such a responsible, professional and conscientious group of workers!
~ To work with Jake was a genuinely pleasant and hassle-free experience AND he came through on his promise.  Thank you Jake!

Monday – Friday, 9am – 4pm
2626 E 82nd St Ste 350, Bloomington, MN 55425
(952) 322-7773