Services

INSURANCE CLAIMS

If you’re in the process of filing a homeowner’s insurance claim to repair or replace your roof, MOXIE will request a copy of your insurance claim before providing a price. You may have read news articles about non-reputable roofing companies or even storm-chasing roofing scammers. You may be hesitant to hand your insurance claim over to us, but be assured that this is not a way for us to scam you. Rather, it is a way to be sure we are giving you the most accurate price possible. 

Here are some  reasons why we will request a copy of your insurance claim before giving you a price:

It is important for MOXIE to review your insurance claim and policy in order to provide you with the best service. We need to understand what will and will not be covered under your homeowner’s insurance policy. Some policies have limitations on the amount of time allowed to complete your project. Other policies do not include such items as code upgrades. Additionally, some policies even label certain roofing items as “cosmetic”. There are even policies that will only pay for a portion of the repairs based on the ACV/ Actual Cash Value. We would like to be able to discuss these items with you upfront and include them in the final price if needed. Reviewing the claim allows us to prevent unpleasant cost surprises from coming up during the project.

Many homeowners have an RCV/Replacement Cost Value policy. If you have an RCV policy, your insurance company pays for the cost of repairs minus your deductible. Occasionally, some ill-advised homeowners will try to price-shop roofing contractors to avoid paying their deductibles, hoping to have the costs rebated or erased.  This is insurance fraud that can land both the roofer and homeowner in trouble. By allowing MOXIE to review your insurance claim, we can make sure we bill your insurance company the correct amount and avoid potential charges of fraud. No one wants to commit insurance fraud!

Insurance companies want to have a line-itemized invoice that matches their claim. If a homeowner or roofing contractor submits an invoice that doesn’t exactly match the claim line by line, the insurance company will ask for verification as to why the amount is different. This often leads to weeks and sometimes months of repetitive calls and long delays in getting the full claim amount paid out to the homeowner.

MOXIE wants to make sure that your claim covers all of the work that needs to be done. Adjustors often base their claim worksheets off of a standard template—if it’s a roof, it has x,y, and z. Not all roofs are exactly the same.  Sometimes, items on one roof don’t exist on another or vice versa. Code requirements vary from county to county and state to state. Not every adjustor who gets on your roof is familiar with these items. During a large storm recovery time, most insurance adjustors come in from other states to work...but adjustors don’t install roofing. Most of them are not aware of exactly what materials and labor are required for the best installation. It is best if MOXIE can review your claim to be sure that additional payment doesn’t need to be requested for items that were missed or paid incorrectly.

Reviewing your claim allows us to help you get your money from your insurance company. Allowing us access to your insurance claim gives us the ability to submit a final invoice that matches the claim and get your money to you more quickly. It also helps us to assist you with getting more money from your insurance company if needed to by cover missing items or larger code upgrade items like decking replacement. All of this helps both both of us get paid what you are owed in a timely manner.

We get that there are some non-reputable roofing companies and dishonest contractors out there. For that reason, it is important that you choose the right roofing contractor. WeMOXIE is determined to provide the quality and service you can trust.