FAQ

Yes, absolutely – guiding homeowners through the insurance claim process is one of our core specialties . We often call ourselves insurance restoration experts, because we not only fix the damage but also help you navigate your insurance claim from start to finish. This means if your home has  damage from hail, wind, a tornado, fire, or water leak (typically events covered by homeowners insurance), we will assist in every step: inspecting for damage, helping you file the claim, meeting with the insurance adjuster, and making sure the insurance company covers all necessary repairs. Our goal is to be your advocate and take the headache out of the claim process so your property is fully restored with as little stress to you as possible.

The first step is to schedule a free inspection with us. If you think you might have hail damage, wind damage, or any storm-related issues, give us a call and we’ll send out a Revolve Construction insurance specialist to take a look – at no cost to you. During this on-site inspection, we thoroughly check your roof, siding, gutters, and other exterior areas for signs of damage (missing shingles, dents from hail, torn siding, etc.). We may also inspect your attic or interior ceilings for leaks if relevant. If we find significant damage and it appears to be from a recent storm, we’ll advise you to file an insurance claim. If we do not find damage, we’ll be honest about it and provide you with a report for your records. There’s no obligation – the inspection is to give you peace of mind and the information you need to decide on next steps.

Filing a claim is usually done by calling your insurance company’s claims department or using their online claim portal – and yes, we will guide you through it or even help initiate the claim while we’re with you. Once we’ve identified covered damage and you decide to proceed, we can help you contact your insurer to report the claim. We make sure you have all the necessary details (date of loss, type of damage, etc.) to provide. After the claim is filed, your insurance company will assign a claim number and a claims adjuster to handle your case. We’ll take note of that information because we’ll be coordinating with the adjuster too. Essentially, you’re not alone in the claims process – we’ve been through it hundreds of times and will help make it as smooth as possible.

After you file a claim, the insurance company will schedule a date for their adjuster to inspect the damage. When that happens, we meet the insurance adjuster on site at your property. This is a critical step: our experienced team will walk through the entire exterior with the adjuster, pointing out all the damage we documented. We make sure nothing is overlooked – if hail damage is subtle in some areas or if there’s related damage (like to AC units, fences, etc.), we’ll ensure the adjuster sees it. We also take photographs and notes during this meeting. You, as the homeowner, are welcome to be there too (it’s your property, after all), but if you can’t be present, rest assured we’ll handle it. The goal is to have a collaborative discussion with the adjuster so that they agree on the full scope of repairs needed. By meeting them faceto-face, we advocate on your behalf in real time. Most adjusters appreciate when a contractor is there to assist – it helps expedite the claim.

You do not need to be present if you’re busy or uncomfortable getting on the roof – we will handle the adjuster meeting for you. Many homeowners prefer to let us take the lead since we speak the same technical language as the adjuster and know what damage indicators to point out. Of course, you’re absolutely allowed to be there and we’re happy for you to observe if you want. But if you can’t take off work or would rather avoid the stress, that’s fine – we’ll coordinate directly with the adjuster. After the meeting, we’ll brief you fully on what was found and discuss the next steps.

The scope of work (sometimes just called the insurance estimate) is the itemized list of damages and repair costs that the insurance adjuster writes up after their inspection. In other words, it’s the insurance company’s assessment of what needs fixing and how much they will pay for each item. Once the adjuster agrees damage is covered, they create this initial scope. We make sure to get a copy of that scope of loss. Then we review it with you line by line. We check if anything is missing or if any of the measurements/ prices seem incorrect. For example, if they forgot to include a gutter that was damaged, or if building code requires an ice shield but it’s not listed, we note that. This initial scope is not always final – if we find omissions, we’ll go back to the insurance company with supplements (additional items or corrections).

It’s quite common for initial insurance scopes to miss some items. Don’t worry – if something is missing or not adequate, we will submit a supplement to have it added or corrected. A supplement is basically our formal request to the insurance company to adjust their estimate. We’ll provide documentation (photos, code citations, manufacturer specs) to justify why that item should be covered. For instance, insurance might pay for the roof shingles but forget the chimney flashing; we’ll file a supplement to get that included. We handle all these communications directly with the insurer so you don’t have to. Ultimately, we aim to ensure the full scope of work is approved and funded by insurance, so that your home is restored completely and correctly.

Typically, you would sign a work contract with us after the insurance scope of work is agreed upon with the adjuster and after we’ve discussed any project details/upgrades with you. We want to make sure we’re all on the same page about what work will be done and that the funding is in place. Our contract will outline the exact work to be completed (per the approved insurance scope plus any additional items you want), the timeline, and the payment terms (essentially how the insurance payments and your deductible are handled). If the insurance process is dragging or you need emergency repairs, sometimes we’ll have you sign an emergency services agreement or an authorization just so we can start initial work (like tarping or dry-out) immediately. But for the main repair contract, we wait until we have a clear scope and approval. Once you review and sign the contract, we’re ready to move forward with scheduling the work and ordering materials.

We take care of all of that. After the contract is signed, Revolve Construction will obtain any necessary building permits from your city or county. We’re familiar with the local municipalities and their permit processes, so we’ll handle the paperwork and fees associated with permits for roofing, construction, etc. We also handle all the scheduling – we’ll coordinate the material deliveries (shingles, dumpsters, etc.) and schedule our crew to perform the work on a date that’s communicated to you in advance. You’ll be given a start date and an approximate timeline for completion. If there are multiple phases (for example, roof first, then siding), we’ll outline that. A dedicated project manager from our team will oversee the schedule and keep you updated. Our goal is to make the process turnkey for you – once the claim is approved and contract signed, you can sit back while we take it from there.

The timeline can vary depending on the scope of work, but we’ll give you an estimate before we start. As a general guide: an average roof replacement (for a typical single-family home) usually takes 1 to 2 days of on-site work. If it’s a large house or a complex roof with multiple layers to tear off, it might extend to 3-4 days. Siding projects might take a bit longer, say a few days to a week for a full house residing, depending on the size of the crew and weather. Gutter installations are often done in a day (often coordinated right after the roof is completed). For multi-trade projects (roof + siding + windows, for example), we might schedule about 1-2 weeks to get everything done in sequence. Commercial or flat roof projects can vary more widely based on size (a large flat roof could take a week or more). We strive to work efficiently while maintaining quality. Weather can cause some delays – if rain is forecasted, we may adjust the schedule to ensure we’re not opening your roof in bad weather. Rest assured, we won’t rush unnecessarily; we’ll take the time needed to do the job right, but we also don’t want to inconvenience you longer than necessary. Your project manager will keep you informed of the schedule and any adjustments.

We do our best to minimize disruption to your daily life. Roofing and siding work is, by nature, noisy and active, but we take precautions to make it as smooth as possible. Our crew will arrive in the morning (usually pretty early around 7:00-8:00 AM) and get to work. We lay down tarps to protect your landscaping and collect debris. If it’s a roof job, you’ll hear banging from nail removal and installation – it can be loud, so we often suggest that pets or family members who are sensitive to noise be situated accordingly for the day. For siding, you’ll hear some hammering and saw noise. We keep the job site as tidy as we can; debris is continually cleaned up and put in a dumpster. At the end of each work day, we make sure the site is secure – for roofing, that means we won’t leave your roof exposed overnight (we only tear off what we can re-cover the same day, or we’ll dry-in the roof with underlayment if it’s going to carry into a second day). We also use magnetic sweepers to pick up nails in the yard and driveway. If you have any special concerns (like needing driveway access at certain times, or a family member working from home), let us know and we’ll coordinate around it. Communication is key – our on-site supervisor will be available if you have questions during construction. By the time we finish, we aim for your property to be clean and your home looking beautiful, with you barely aware we were there except for the great results.

Insurance claims for property damage are typically paid out in at least two parts. Initially, after the claim is approved, the insurance will issue an ACV payment (Actual Cash Value) which is basically the depreciated value of the damages. Then, after the work is completed and invoiced, they issue the depreciation (the remaining amount) to reach the full RCV (Replacement Cost Value) that they owe. Here’s how it works with us: When the first insurance check comes (often it might be made out to you and your mortgage company – we can help you with getting that endorsed by the bank if needed), that amount is usually used to get the project started (ordering materials, etc.). We typically ask that you pay over the insurance funds to us as the work commences, and you’ll pay your deductible as well – usually by the time the work is completed or as specified in our contract. Once the work is done, we send a completion invoice to your insurance company for any remaining balance (supplements and depreciation). The insurance then releases the remaining funds to you, and you arrange payment of that to us. In summary: you pay your deductible directly to us, and the insurance funds pass through you to us in whichever installments they come (initial and final). We handle the paperwork and communication with the insurer to make sure those payments are released. It might sound complicated, but we will walk you through it so it makes sense.

RCV (Replacement Cost Value) is the total cost to repair or replace the damaged item with a new one of like kind/quality. ACV (Actual Cash Value) is the value of that item after depreciation. Depreciation is basically the reduction in value due to age or wear. Insurance initially often pays you only the ACV – so if your 15-year-old roof is damaged, they calculate the cost of a new roof (RCV) and then subtract 15 years worth of “used life” to arrive at ACV. They pay ACV first. Once you actually replace the roof and incur the cost of the replacement, most policies will pay the withheld depreciation so you get the full RCV amount, minus your deductible. For example, say a new roof costs $10,000 (RCV), and depreciation for age is $3,000, then ACV is $7,000. The insurance might cut an initial check for $7,000 (ACV minus your deductible perhaps). After you complete the work and show it cost $10,000, they release the $3,000 depreciation. If your deductible was $1,000, you end up with $9,000 from insurance and you pay $1,000 = $10,000 total. We make sure you recover the full RCV you’re entitled to by submitting proper completion documentation. If any of that is confusing, we will clarify it with your specific numbers during your claim – the key is we don’t want you leaving money on the table or misunderstanding what you owe. We handle the supplementing and invoicing to maximize what insurance pays (within your policy limits, of course).

Yes. By law and by your insurance policy terms, you as the homeowner are responsible for your insurance deductible. The deductible is the portion of the claim that you agreed to pay out-of-pocket when you purchased your policy. We know it can be tempting when another contractor claims they can “cover your deductible,” but be careful – that practice is often considered insurance fraud. Revolve Construction will never ask an insurance company to pay for your deductible or engage in any dishonest billing to offset it. Instead, we make sure that the scope of work is fully funded by insurance minus that deductible. So essentially, the insurance pays their part, and you pay the deductible amount to us. The good news is, aside from the deductible, in most cases you shouldn’t have additional out-of-pocket costs for covered damages (unless you decide to upgrade materials or add work beyond what insurance covers). We’ll make the process transparent so you know exactly what your deductible is and when it needs to be paid.

If a contractor is offering to waive or absorb your deductible, it’s a red flag. It usually means they intend to pad the invoice to your insurance to make up that difference, which is not only unethical but also illegal in many states. We operate with integrity and within the law. Your insurance contract requires you to pay the deductible – any contractor who tries to bypass that is effectively committing fraud. We want to protect you from any potential legal or insurance issues down the line. Furthermore, a reputable contractor pricing the job correctly can’t give away $1,000 or more of work for free without cutting corners somewhere. Our approach is honest: we do high-quality work for the price the insurance has agreed to, plus your deductible. No gimmicks, just straight dealing. We’ll even help you with financing options if covering the deductible upfront is a challenge, but we won’t falsify invoices. In the long run, our transparency ensures you get the best quality and no surprises.

If your insurance company outright denies the claim or refuses to cover certain damages that we believe should be covered, we will advocate for you. First, we’ll review the adjuster’s findings and your policy to understand the reason. If we strongly disagree, we can request a re-inspection or a second opinion from the insurance carrier. We’ll provide additional evidence – for instance, photos, weather reports, or building code requirements – to make the case that the damage is storm-related and should be paid. Sometimes, involving a manager or more senior adjuster in the discussion can lead to a reversal of a denial. If after further negotiations the insurance still won’t budge and we firmly believe you have a valid claim, we may recommend you engage a public adjuster or an attorney (we have trusted partners we can refer) as a next step. But we handle what we can at our level first. Bottom line: we won’t take “no” for an answer from an insurer if we have evidence your property was damaged by a covered event – we’ll continue to fight for a fair outcome.

Requesting a reinspection means asking the insurance company to send out another adjuster (or the same one again) to take a second look at the damage. This usually happens if there’s a disagreement about the initial findings. For example, if the first adjuster said “minimal damage, not enough to replace the roof,” and we have documentation that there is widespread hail damage that was overlooked, we’ll request a reinspection. During a reinspection, we will again meet the insurance’s representative at your property, often accompanied by a supplemental report detailing what was missed. Our goal is to show the evidence clearly – maybe the lighting or weather was poor during the first inspection, or they didn’t get on all sections of the roof. A reinspection is essentially a second chance to get everyone on the same page. It’s an important tool and often results in additional items being approved once they’re pointed out. We handle arranging and scheduling the reinspection with your insurance, so you just need to let us take up the mantle if it comes to that.

This is a great question, and it’s not uncommon. Once we start a project, sometimes we find hidden damage – for instance, rotten roof decking under shingles, or sub-surface hail cracks in a skylight, or perhaps AC unit fins damaged by hail that weren’t noted. If we encounter any new damage that should be covered, we immediately document it with photos and then file a supplemental claim with your insurance. Essentially, we go back to the insurance company and say, “During repairs, we found XYZ issues that also need to be addressed.” Insurance companies expect this in restoration jobs; they understand that not everything can be seen until work is underway (this is often called “hidden damage” or “supplemental damage”). We will not proceed with additional work that incurs cost without ensuring it’s approved (or discussing it with you if it’s something minor you just want fixed). If it’s covered, the insurance will issue additional funds to pay for it. Our priority is to restore your home fully, not just do the bare minimum, so we’ll make sure even the unforeseen problems are taken care of the right way.

A public adjuster (PA) is a licensed insurance claims specialist who works for you, the policyholder, rather than for the insurance company. Their job is to represent your interests and negotiate with your insurer to maximize your claim payout. You might consider hiring a public adjuster if your claim is complicated, if you feel the insurance company’s offer is too low, or if you’re getting stonewalled on a legitimate claim. Revolve Construction has trusted public adjusters we partner with, and if we reach a point where we think an expert advocate could help, we will refer you to one (with no upfront cost). For example, if your claim is stalled or significantly undervalued even after our supplements and discussions, a PA can come in with a fresh set of eyes. They will do a detailed inspection, prepare their own estimate, and negotiate directly with the insurance on your behalf. PAs work on a contingency fee (a percentage of the claim), so they only get paid if they recover more money for you. We have seen cases where a public adjuster’s involvement resulted in significantly higher payouts – especially in complicated losses or large claims. We’ll let you know if we think your situation warrants this step. Your satisfaction and getting what you’re entitled to under your policy is our ultimate goal.

It can add some time, but often it’s worth it if large amounts of money are on the line. A public adjuster will likely re-inspect and then enter negotiations or appraisal with the insurance, which could add several weeks or more to the claim resolution. However, during that time we can often do temporary repairs or protect your home as needed. We’ll be transparent – if the initial insurance settlement is clearly insufficient to restore your home, it may be better to pursue additional funds rather than accept a low amount and have out-of-pocket costs. We’ll discuss the pros/cons with you. Often the delay is not extreme, and you end up in a much better position. Remember, the insurance claim process has timeframes: you won’t be left indefinitely – insurance companies have internal deadlines to respond to supplements or PA negotiations. And throughout this, we remain involved to ensure the building aspects are understood by all parties. So yes, it might take a bit longer with a PA or dispute, but you get one shot at the claim – it’s usually wise to make sure it’s done right.

An appraisal is a method of dispute resolution written into most insurance policies. If you and the insurance company disagree on the amount of the loss, either party can demand an appraisal. It’s sort of like arbitration. Here’s how it works: you hire an independent appraiser (not to be confused with a real estate appraiser – this is an insurance appraiser, often an experienced adjuster or contractor), and the insurance company also hires an appraiser. Those two appraisers then select a neutral umpire. They will review the scope of damage and the costs in dispute and attempt to reach an agreement. If the two appraisers can’t agree, the umpire steps in and a decision by any two of the three (either both appraisers or one appraiser + the umpire) is binding on both parties. Appraisal is only about the amount of loss, not about coverage – so it’s used when the insurance agrees something is covered but the pricing or extent is disputed. It can be a good alternative to a lawsuit because it’s usually faster and cheaper. Revolve Construction can assist you in the appraisal process by recommending qualified appraisers and providing all the documentation and estimates needed. We have gone through appraisals before on behalf of clients to successfully get higher settlements. Keep in mind, you still need to pay the appraiser you hire and usually split the umpire’s fee – but if the gap is large, it’s often worthwhile. We’ll guide you on if this route makes sense for your situation.

In the vast majority of cases, we can reach a fair settlement through the above means. However, if all else fails and you’re still being shorted on a clear covered loss, the last resort is legal action. This would involve hiring an attorney who specializes in insurance claims / bad-faith insurance cases. We can refer you to top property damage attorneys if it reaches that point. Sometimes just the threat of legal action will prompt a better offer from the insurer. If a lawsuit is filed, the timeline extends as it works through legal channels. As a contractor, our role in that scenario is to provide evidence, estimates, and expert testimony if needed to support your case. It’s rarely needed, but know that you do have that option as a policyholder if you’re treated unfairly. We make sure you’re aware of all your rights and options. Our hope, of course, is that we can avoid litigation and get your home restored without that stress. And indeed, most claims we handle do not require going to these lengths – but we will stand with you and help you find the right professionals if it ever does.

Generally, filing a claim for events like wind or hail damage (so-called “Act of God” perils) should not result in an individual rate increase or policy cancellation for you specifically. Insurance companies can’t raise your rate just because you used the coverage for something that’s not your fault. However, it is true that if a whole area has a high number of claims (like after a big storm), the insurance companies may adjust premiums for everyone in that region over time. But you personally shouldn’t be penalized for a legitimate claim. It’s a common concern homeowners have – they fear their rates will skyrocket. In our experience, if your roof is damaged and needs replacement via a claim, not fixing it could be worse (leaks, mold, etc., and you’re paying premiums for a reason). So we advise clients not to let fear of a premium change stop them from filing a claim when they have real damage. Always check with your insurance agent if you have a specific concern, but the norm is that weather-related claims don’t count against you like, say, auto accident claims might. Using your home insurance for what it’s intended (storm damage, etc.) is what it’s there for.

In an insurance claim scenario, you typically do not need multiple estimates the way you would for a non-insurance project. Insurance claims are settled based on the insurance adjuster’s assessment and industry-standard pricing guides (like Xactimate software which most contractors and insurers use). We will do the work for the insurance approved amount (plus your deductible), and if we feel something is underpaid, we negotiate that with the insurer via supplements, not by charging you more. So getting multiple bids won’t really change what the insurance will pay – it’s about making sure the scope is complete. Now, if this is not an insurance job (you’re paying out of pocket), you are certainly free to get multiple quotes. We believe our pricing is very fair for the quality and service we provide. We might not always be the absolute lowest bid, because we refuse to cut corners. We won’t compromise on things like using proper underlayment or permitting the job, for example. We will, however, gladly explain our estimate in detail and how it covers everything needed. If you do somehow get a significantly lower quote from a reputable competitor apples-to-apples, let’s talk – sometimes it could be a misunderstanding on scope. Our main aim is that you feel confident you’re getting top value. Remember, with insurance claims the goal is to restore your home fully to pre-loss condition; our job is to work with the insurer on price, so you don’t have to worry about “shopping around” in the traditional sense.

We handle all kinds of insurance restoration claims, not just storm. While roofing and exterior storm damage is a large part of our business, we also have experience with fire damage restoration (rebuilding structures after a fire, smoke remediation coordination), water damage restoration (from pipe bursts or interior floods), and other insurance-related repairs. We might work in tandem with specialist mitigation companies for things like water extraction or mold remediation, but once the site is dry/clean, we come in to rebuild and restore. We’ve acted as the general contractor for large fire rebuilds, coordinating everything from structural repairs to interior finishes. We’ve also dealt with things like vehicle impact (a car hits a house), vandalism claims, etc. So yes, if it’s damage that falls under a homeowner’s insurance policy, chances are we can help with the repairs and the claim process. Feel free to call us no matter what the incident – if it’s something outside our wheelhouse, we’ll let you know or refer a trusted partner, but in most cases we can take care of it.

Definitely reach out to us. If your claim was denied and you feel it was unjustified, we can offer a second opinion. Often, we might find damage that supports reopening the claim or filing an appeal. We can communicate with your insurer to request a reinspection (even if time has passed, you can usually reopen a claim within the statute of limitations/policy period for that loss). If the claim can’t be revived, we can also give you an estimate for doing the work out-of-pocket, and sometimes that can become leverage to get the insurance to reconsider (especially if multiple homeowners around you had claims approved). If you filed a claim and got a small check but never did the work, we can step in and finish the process – insurance claims typically don’t “expire” as long as you remain in communication; they want you to repair the damage. We’d verify with your insurer if the funds are still available and proceed accordingly. The key is, don’t be discouraged. We have helped many homeowners who initially heard “denied” or “not enough damage” and later got their roofs approved after our involvement. So, even if you’re late to the game or hit a snag, give us a call to review your situation.

When all the work is completed, we do a final walkthrough with you to ensure everything has been done to your satisfaction. We don’t consider the job done until you are happy and sign off on the project. We will then provide you with a completion packet which includes any warranty information (for example, shingle manufacturer warranty registration, our workmanship warranty details), care and maintenance guidance, and documentation of the work done. We also submit the final invoice and completion certificate to your insurance company so they can release any remaining depreciation funds owed. After that, we address any final payments (e.g., your deductible if not already paid, or any supplements). But our relationship doesn’t end there – we’ll be around for any future needs. If you have questions or issues down the line, you can call us and we’ll take care of you. We value building lasting relationships with our clients, so think of that final walkthrough as not a goodbye, but a “welcome to the Revolve family, we’ve got your back going forward.”

Yes, we’re in this for the long haul. If you ever have a concern about something we repaired or notice something that doesn’t seem right, just call us. Our workmanship warranty means we’ll come out and fix any installation-related issues at no cost to you. Even beyond formal warranties, we aim to be your go-to contractor for life – so we’re happy to schedule future inspections (many customers have us come annually or bi-annually just to make sure everything is holding up, especially after big storms). We also keep records of the materials we used and work we performed, so if you ever need documentation (for example, when selling your home) we can provide that. Essentially, our service doesn’t stop when the project ends. We pride ourselves on excellent customer service before, during, and after a project. Our many repeat customers and referrals are a testament to that commitment.