Insurance Claims
We Speak Insurance So You Don’t Have To
About 8 in 10 of our projects come through insurance claims. So when we say we know this process, we mean it. We work directly with your claims adjuster and agent so you don’t have to become an expert overnight. We make sure you understand what your insurance owes you, how to get it, and what to do when the paperwork doesn’t make sense — because for most homeowners, it doesn’t.
You shouldn’t have to figure this out alone. And with Farias, you won’t.
We Get Involved Early
Having Farias present during the adjuster’s inspection means someone is in your corner who knows what storm damage looks like and what gets missed when a contractor isn’t in the room.
We Explain What You’re Owed
Your first insurance check is almost never the full amount. We break down your ACV, your RCV, and the Recoverable Depreciation most homeowners don’t know to ask for.
We Handle the Documentation
We match our proposal to your insurance line items, complete the work, and provide everything your insurer needs to release your final payment.
We Make Sure You Don’t Miss the Second Check
Once the work is done, you’re entitled to file for Recoverable Depreciation. Most homeowners never do. We make it part of our process so it doesn’t fall through the cracks.
1.
Document, File, and Get Us Involved Early
As soon as it’s safe, photograph everything. File your claim and get Farias involved before the adjuster visits — this is where most homeowners go it alone and where we make the biggest difference.
2.
Receive Your ACV Payment and Complete the Work
After the inspection, your insurer sends an initial check — your Actual Cash Value payment. It’s almost always less than full replacement cost. We review your claim documents, match our proposal to the insurance line items, and complete the project.
3.
File for Recoverable Depreciation and Receive Final Payment
Once the work is done and documented, you submit a request for your Recoverable Depreciation — the gap between your ACV payment and the full Replacement Cost Value. We walk you through exactly what to file and what to submit. Your insurer releases the remaining funds and your project is fully covered, minus your deductible.
Testimonials
Why People are Choosing us for Their roofs
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Mack Mcguire
Santa Cruz, CA
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Ellyn Garzon
Rock, MI
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Nelson Bryant
Bangor, ME
Not Sure Where to Start? We’ll Help You Figure It Out.
Whether you just filed a claim, received your first check and aren’t sure what it means, or you’re months into the process and still confused — we’re happy to take a look and point you in the right direction. No pressure, no obligation.