The insurance claims process

1. 1. Call V Star Roofing

   You

   Call and set up a free inspection appointment.

   V Star Roofing

   We examine, evaluate, and document all damage to your property, then tell you whether filing a claim is advisable.

2. 2. File a claim

   You

   Call your insurance company's claims department. Tell them the type of damage, such as hail or wind, and the date of loss. Tell them V Star Roofing examined the property. Write down your claim number.

   V Star Roofing

   We receive your claim number for reference.

3. 3. Adjuster meeting

   You

   An insurance adjuster contacts you to schedule a visit. Our published process notes this usually happens within 48 hours, but timing depends on your insurer. Tell the adjuster V Star is your contractor and you want us present. Confirm the date with us.

   V Star Roofing

   We meet the adjuster and review damage, measurements, pricing, and any code upgrade requirements needed to restore your property to its condition before the storm.

4. 4. Insurance summary

   You

   You receive a Loss Summary Report and your first payment, called the ACV (actual cash value) payment. Review it with your V Star contact. Choose your repairs and products.

   V Star Roofing

   We review the summary with you to confirm it is complete and accurate.

5. 5. Professional roof repair

   You

   Nothing for you to do. We handle this step.

   V Star Roofing

   We complete the work. Most roof replacements take one day.

   1. Remove the old shingles. We remove all existing old shingles. Discards go into a dump trailer and are hauled to an approved landfill.
   2. Repair the decking. We replace or repair bad decking or 1x6 boards, whichever applies to your roof.
   3. Ice and water shield. We install ice and water shield to protect sloped roofs from wind-driven rain and ice dam water backup.
   4. Underlayment. We apply underlayment, asphalt felt or synthetic, as building codes and shingle manufacturers require.
   5. New shingles. We apply shingles, starting at the eaves and working upward.
   6. Flashing. We apply flashing around chimneys, stack vents, and pipes to direct water away from seams and joints.
   7. Ventilation. We install ventilation at the peak so warm, humid attic air escapes.
   8. Cleanup. We clean up the surrounding area so it is free of nails and discarded materials.

6. 6. Claim completion

   You

   Nothing for you to do. We handle this step.

   V Star Roofing

   We send the final invoice with any supplements to your insurer. This releases remaining withheld funds, called Recoverable Depreciation.

7. 7. Final payment and warranty

   You

   Nothing for you to do. We handle this step.

   V Star Roofing

   After your insurer's final payment, we give you warranty information for the products used.

You take part in 4 of 7 steps. V Star Roofing is involved in all 7.