cindy@millenniumroofingtn.com | 1303 West College Street, Murfreesboro, TN 37129
 
 
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Millennium Roofing
 
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Serving Murfreesboro, Nashville, Clarksville and The Surrounding Communities
 
 
 
 
 
 

Insurance Claims in Murfreesboro, TN


 
When bad weather occurs, it can cause major damage to your roof. Hard rains, hail and high winds can all affect the overall quality of your home. When damage occurs, you should contact your insurance company to assist in damage repairs. To improve your chances of receiving a full and fair settlement, we have listed below a few basic guidelines to follow when contacting your insurer.

Insurance Claim Processing Checklist:

 
1
 
Was your home affected by recent storms? If your home was affected please contact your insurance company at their toll-free number or click here to file your claim.
 
 
2
 
Ask the insurance representative for your claim number. If it is not available, be sure to request that the insurance representative contacts you as soon as it becomes available. Also, ask the representative to have your assigned insurance adjuster contact you or Millennium Roofing so Millennium Roofing can be in attendance for the initial inspection.
 
 
3
 
Once your insurance adjuster contacts you, request a firm date and exact time that he or she will be performing the initial inspection. Be sure to inform the insurance adjuster that you would like Millennium Roofing to be present.
 
 
4
 
After your adjuster provides you with your inspection date, please contact Millennium Roofing and provide us with this information, as well as your claim number. Once your property inspection has been scheduled, we will meet with your insurance adjuster to discuss the amount of damage. Your insurance adjuster will be provided with printed photos of damage, an itemized estimate for the repairs, and a diagram with all the measurements.
 
 
5
 
When your claim has been settled, you will receive an itemized estimate of repair allowance from your insurance company. It will list the following in three price columns: RCV (replacement cash value), Depreciation and ACV (actual cash value). You will be issued your first check titled to you and your mortgage lender in the amount of the ACV estimate. An amount of recoverable depreciation will be withheld from this first check until you have incurred the cost of repairs and provided the insurance company with an invoice from Millennium Roofing. At this time, you will be entitled to the RCV of your claim as listed in your insurance policy.
 
 
6
 
If your claim has been denied or you have only received a partial settlement, don't worry. We can handle these types of situations too. We will start by requesting a copy of the current loss report you have received from the insurance company. We need to figure out exactly what the insurance company has paid for so we can figure out what they have “accidentally overlooked”. If we feel there is more damage than what has been covered, then we will suggest to you letting us request a re-inspection with your insurance company. This time we will be present to point out the damage to them if they don't see it.