If you find yourself in need of a new roof EJB Roofing offers two options for full roof replacement: retail replacement or through filing a claim through your homeowner’s insurance. The best way to determine which path to take is to allow us to inspect your roof and determine the condition and nature of any damage. From there, we work with the homeowner to determine their best options for a roof replacement.
Retail and Insurance claim sales are handled and priced differently.
Retail Pricing is based on the materials you choose, plus labor, plus expenses, determined by the size of your roof, number of accessories, and waste margins based on termination locations such as valleys, hips, edges, and ridges. Retail pricing is based entirely upon the materials and labor for options you choose for your roof.
Insurance Pricing is dictated by the insurance company and their assessment of the needed repairs. EJB Roofing must do multiple inspections, travel to the property multiple times, stay in constant contact with insurance companies and insurance adjusters, and negotiate work performed based on the approved scope of work generated by the insurance companies’ inspection. We are obligated to negotiate the terms and conditions of the sale based on what the insurance companies deem necessary. In other words, on the condition the insurance approves a “full roof replacement” the home owner must work with EJB roofing to accommodate the conditions set by the insurance company. We do this for the price that the insurance company dictates, plus the deductible from the home owner.
If we assist you in filing a claim with your insurance to replace your roof, the pricing is dictated by your insurance company and non-negotiable. All funds from the insurance company must be spent to replace your roof to the standard established by the insurance company. If EJB Roofing assists during the claim process, all retail estimates are therefore void because the specifications of the roof are now outside of our control. Common additional aspects of an insurance claim that causes the price difference between retail and insurance pricing are the inclusion of gutters, down spouts, window screens, and interior damage in the scope of work. These are examples of things that the insurance may require to be repaired in order to obtain the recoverable funds.
Integrity limits EJB Roofing from reading and interpreting your insurance policy without your permission. Please offer this to your Roof Advocate if you are interested in getting help understanding the terms and conditions of your policy. We can request one of our public adjusters, who have been trained and licensed to perform this service, to review your policy with you.
Retail Process
1. Contact: You experience an issue with your roof that leads you to contact EJB Roofing.
2. Inspection: We perform a property/roof inspection to assess the condition of the roof including type and extent of any damage.
3. Discuss Options: We will discuss your options with you based on the condition of your roof. We are extremely proud to provide a variety of brands and colors of the most up-to-date materials that meet all state codes and last far beyond expectation. We take great pride in the work we perform, and that we can offer our customers all these services and benefits at a very reasonable price.
4. Sign Contract, Pay Deposit, & Schedule Replacement: EJB Roofing prefers to sign contracts in person and provide an overview of our roof installation process. This is not necessary with today’s technology, but highly recommended to ensure transparency and a common understanding of the process. The standard deposit amount for EJB Roofing is 1/3 of the total Project Cost. Upon receipt of the deposit, EJB roofing will work with you to schedule the replacement of your roof.
5. Installation: Roofing material will be delivered a day or two before in installation date. It will be stored on the roof and or in a designated location. We request that a location also be provided for our dumpster to ensure fast and easy removal of the old roof and debris. Your house will have minor vibrations while installation is in process. Some sensitive pets will react to the installation noises. Poorly hung pictures should be secured. Please make EJB Roofing aware of any such concerns before the construction begins. After the job is complete, we pack up all materials, pick up trash, and run a magnet over the grounds to detect metal debris. It is impossible to provide a 100% guarantee that all trash is removed. EJB Roofing suggests that you and other residents in your home take care to watch for potential hazards for about two weeks. If there are excess materials after the installation is complete, it will be picked-up within a few days. If an extended warranty is offered by the shingle manufacturer, photos will be taken to provide proof of installation standards to qualify for the warranty.
Insurance Process
1. Contact: You experience an issue with your roof that leads you to contact EJB Roofing.
2. Inspection: We perform a property/roof inspection to assess the condition of the roof including type and extent of any damage.
3. Options: We will discuss your option with you based on the condition of your roof. Insurance companies classify certain types of damage as “Acts of God.” Wind, hail, tree, animal damage occurs to the extent where insurance should cover a significant amount of the repairs, that option will be suggested.
4. Filing a Claim: The claim process has many steps and can sound overwhelming, but your Roof Advocate is willing and pleased to help you through this process. EJB Roofing assists our customers with filing an insurance claim, which takes about 15-20 minutes. We can provide pertinent information to the insurance company during this process but only with the customer’s permission. Before filing a claim, you and your Roof Advocate will sign an Agreement & Authorization giving permission for EJB Roofing to work with you and your insurance company to ensure transparency between all involved. This is also an assurance that, because EJB Roofing will invest significant time and energy working towards a positive outcome with you and your insurance company, that they will be the contractor who will perform the installation of the roof.
5. Insurance Inspection: The insurance company will send an adjuster to the property who will perform an insurance inspection. It is the homeowner’s responsibility to inform EJB Roofing of the date and the time of the inspection so your Roof Advocate can meet with the adjuster on your behalf. This is critical because the Roof Advocate can provide relevant information that can support the insurance claim. It is not mandatory for homeowners to be present during the adjustment inspection, but it is preferred. If there is interior damage, then the home owner is needed to provide access to the property. Your Roof Advocate has years of experience in determining the causes and conditions of damage, so please allow them to represent you during the inspection as much as possible.
6. First Check & Claim Summary: The homeowner will be contacted and possibly be issued a first check and claim summary by the insurance company. It is important to forward the Claim Summary to EJB Roofing. We are experienced and trained to interpret the terminology and can clearly explain to the you exactly what has been deemed necessary and reimbursable by the insurance company. If EJB Roofing disagrees with the result of the insurance inspection, please allow EJB Roofing to negotiate, reinspect, or take action to ensure the results that the homeowner is entitled to before cashing any checks from the insurance company. Sometimes this is necessary because a repair has to be attempted on video before the insurance company will authorize further action based on reparability, ability to match the existing materials, or other specific circumstances. Cashing the check may be considered acceptance of the claim determination.
If you owe more than half the value of your home to a mortgage company, the check may arrive to both you and your mortgage company. If this is the case, DO NOT sign the check and send it to the mortgage company, they may mistakenly apply the check to the balance of your mortgage. Get the mortgage company to sign the check first, then you can sign it and cash it.
7. Pay Deposit & Schedule Replacement: After the insurance claim has been settled to the satisfaction of EJB Roofing and the homeowner to the best of our abilities, we will sign a contract for the scope of work. EJB Roofing prefers to sign contracts in person and provide an overview of our roof installation process. This is not necessary with today’s technology, but highly recommended to ensure transparency and a common understanding of the process. The standard deposit amount for EJB Roofing is 1/3 of the total Project Cost. Upon receipt of the deposit, EJB roofing will work with you to schedule the replacement of your roof. The first check from the insurance company, plus the homeowner’s deductible is now paid to EJB Roofing as a deposit for the roof replacement. This money is necessary to put a down payment on the crew and order materials for the job. EJB roofing will work with you to schedule the replacement of your roof.
8. Installation: Roofing material will be delivered a day or two before in installation date. It will be stored on the roof and or in a designated location. We request that a location also be provided for our dumpster to ensure fast and easy removal of the old roof and debris. Your house will have minor vibrations while installation is in process. Some sensitive pets will react to the installation noises. Poorly hung pictures should be secured. Please make EJB Roofing aware of any such concerns before the construction begins.
After the job is complete, we pack up all materials, pick up trash, and run a magnet over the grounds to detect metal debris. It is impossible to provide a 100% guarantee that all trash is removed. EJB Roofing suggests that you and other residents in your home take care to watch for potential hazards for about two weeks. If there are excess materials after the installation is complete, it will be picked-up within a few days. If an extended warranty is offered by the shingle manufacturer, photos will be taken to provide proof of installation standards to qualify for the warranty.
9. Completion Documentation: After the project is complete, EJB Roofing submits documentation to insurance company for the work performed. This documentation is necessary for the insurance company to pay you the balance of the money needed to replace your roof. These funds are included in your contract with EJB Roofing and should be paid to EJB Roofing.
10. Supplements: Additional expenses for time, materials, and necessary upgrades may be incurred by EJB Roofing during construction. EJB Roofing will submit a supplement to the insurance company to request reimbursement for costs above and beyond of the original scope of work. If you receive an additional check, these are funds that are due to EJB Roofing to cover those additional expenses, so please ensure that EJB roofing receives all supplement, tarp, and upgrade payments due to them in a timely manner.
If you have any questions or concerns about either of these processes, please reach out to a Roof Advocate at [email protected].