When it comes to filing an insurance claim on your home or business there is no better roofing company to work with than ECO Roof and Solar. At ECO Roof and Solar, we alleviate the stress and time it takes to file an insurance claim by providing you with an insurance billing specialist who is 100% committed to ensure you receive every penny you deserve.
Residential & Commercial Roof Repair
At ECO Roof and Solar our emergency repair teams are available 24/7 and are certified experts at assessing commercial & residential roofing damage. If your business has recently been hit by a storm or needs repair, please call us at 303.484.9854 to request a free roofing inspection.
Making Insurance Claims Easy
To elevate the stress and time it takes to file an insurance claim ECO Roof and Solar has developed a simple 5-step process that will assist you every step of the way.
Step 1. – Call ECO Roof & Solar
Step 2. – Confirm Damage & File Claim
Step 3. – Set Appointment with Insurance Field Adjuster
Step 4. – Getting every Penny You Deserve
Step 5. – Review Scope of Work and Set a Date to Begin Work
Once your insurance adjuster has approved the scope of work, you will receive anACV (actual cash value) check within 7-10 business days. Proceed to the following steps based on if you have a mortgage or own your home or business outright.
- I own my home or business outright:
- Contact your ECO Project Manager to review scope of work, insurance check and finalize contract.
- Set date for construction
- I have a mortgage:
- If your mortgage company is listed on your insurance check you and your ECO Project Manager will need to sit down and fill out authorization form. This form allows ECO Roof and Solar to speak with the mortgage company and request pertinent information on behalf of you the homeowner.
- Once the authorization form is completed you will then endorse the insurance check and then mail the check to your mortgage company for their endorsement.
- Once the check has been mailed and endorsed by your insurance company it will then be deposited to ECO Roof and Solar so materials may be purchased and start date can be finalized.
Understanding Your Insurance Coverage
(ACV) Actual Cash Value
Is the cost to repair or replace an insured item of property at the time of the loss, less depreciation. The value of depreciation is based on the age and condition of the item. Personal property, such as contents, is typically settled at ACV unless the insured purchases (RCV) Replacement Cost Coverage. Your ACV Payments is typically the 1st of two checks you receive. The 2nd check will be mailed when job is complete and all invoices are billed directly to your insurance company.
(RCC) Replacement Cost Coverage
Also know as Replacement Cost Value (RCV) is the cost to replace lost or damaged property with new property of like kind and quality at current prices. For an additional premium, it is available for buildings and contents. Some insurers automatically include RCC in the homeowner policy; however, usually it is an optional coverage that must be purchased.RCV = (ACV + Deprecation + Deductible)
Every city has different code requirements that have to be met so it’s important for you to understand and know if you have code coverage added to your insurance policy. Code Coverage covers you in the event that your city has changed its codes requirements and you have to make an insurance claim.Usually code coverage is an optional coverage that must be purchased in addition to your homeowners insurance.
- I have code coverage: Code Coverage covers you in the event that your city has changed its codes requirements and you have to make an insurance claim. If you have code coverage you will not have to pay “increased cost” based on local code requirements.
- I don’t have code coverage: In the event that you “do not” have code coverage and your local codes have changed you will be required to incur “increased cost” out of pocket in order to meet your local code.
Insurance Information & Contacts
- America First • americafirst-ins.com • 877-263-7890
- Central • central-insurance.com • 888-263-2924
- CNA • cna.com • 877-262-2727
- EMC • emcins.com • 888-362-2255
- Farmers • farmersinsurance.com • 800-435-7764
- Farmers Mutual • farmersmutual.com • 800-654-0147
- Firemans Fund • firemansfund.com • 888-347-3428
- Liberty Mutual • libertymutual.com • 800-842-5246
- Lloyds of London • Lloyds.com • 866-264-2533
- Minico • minico.com • 800-842-5246
- Nation Wide • nationwide.com • 800-421-3535
- Safeco • Safeco.com • 800-332-3226
- State Farm • statefarm.com
- The Hartford • thehartford.com • 877-805-9918
- Travelers • travelers.com • 866-678-0492
- Union Standard • usic.com • 800-444-0049
- Zurich • zurichna.com • 800-987-3373
A homeowner’s insurance policy can provide comprehensive protection against damages to a house and its contents. Colorado law does not require a consumer to purchase homeowners insurance, but if your home is financed, the mortgage company will require coverage to protect their interest in the property.
There are various kinds of insurance including homeowner, condominium, renters and mobile home. All of these provide property and liability coverage. The property coverage will insure against perils such as fire, wind, hail, vandalism, and theft. The liability coverage protects you in the event someone other than the insured is injured on your property.
Keep in mind that the most homeowner policies will not insure you for floods. If you need to purchase flood insurance contact your company representative. Your policy contract will explain all of the insured coverage’s and exclusions.
It is important that you read your policy contract and understand its limitations.
If you have any questions about your homeowner coverage contact your insurance representative or call us at 303.484.9854.