Process of the claims. First, inspect the roof. Second, file the claim. Third, have the adjuster come out. Fourth, receive the first check. Sometimes we do need to supplement if anything was missed on the scope of work originally. After that is scope and negotiations is taken care of. Fifth, we build the roof. Six, we get the final payment of the roof.
Now with the payment of the roof, in most cases, how it is divided up is approximately half of the money is given upfront. So for instance, if you have wind damage on your roof, we make a claim. Your roof is $20,000 that the insurance is paying. Your first check is going to be approximately half of that, $10,000. Then that’s enough for us to get the job built. Once the job is completed, we take pictures, we submit it to the insurance company, and then they send the rest of the half of the money. In most cases, the insured homeowner is only responsible for their deductible. Most deductibles in Hawaii with most carriers are $500 or $1000. Rarely do we ever see higher deductibles than that, but it does happen.