■ Insurance adjuster comes to inspect for damage and loss to property
■ This is usually scheduled within 3-7 days after a claim is filed, however it can be quicker or longer depending on the insurance company and current storm activity.
■ Summit Rep will meet your adjuster to inspect, and create a project scope
Project Approval
■ Upon approval insurance will create an initial estimate to confirm coverage; this is not usually the final or exact scope or amount. A post build final estimate is usually sent later, small code items or differences may be supplemented after build.
■ Window jobs are always pre-estimated and may take 1-3 months to approve the scope and price
■ Once the initial claim approval is confirmed we can proceed with an order
■ Some insurance companies require a pre build estimate, and some prefer a post build estimate. (Post build estimates are typically easier and prevent the need for sending multiple estimates, which can be confusing and tedious for insurance adjusters)
Order Project
■ Confirm project scope and trades to be performed
■ Select materials and colors with your sales rep
■ Approved scope of work is built per the insurance company’s RCV cost
■ Project is ordered and scheduled
Down Payment
■ Once project is ordered, a down payment invoice for the ACV value will be issued
■ Please contact your mortgage company if needed to have insurance checks endorsed
Build
■ Roofs are usually scheduled 1-2 weeks after order, most only take 1 day to build
■ Siding materials may take a few months to get in stock, most builds take 1-2 weeks
■ Most window installs are 1-3 days, touch up painting after install.
■ Sales rep will complete a final walkthrough after install
■ Leftover materials usually picked up within 1 week after build
Post Build Supplement
■ A final estimate or “supplement” is sent to your insurance for any code required items along with photo documentation and other docs showing what was needed as well as permit costs.
2-8 weeks – the final supplement is approved and then Summit creates a final invoice
Final Invoice
■ Final invoice sent to insurance and to client
■ Any prior payments made are deducted from final invoice balance
■ Client may need to contact mortgage company to have insurance checks endorsed and the mortgage company may require an inspection to verify completion of majority of the work
Payment
■ Final payments can be mailed to Summit Office via check, or made online through Quickbooks invoice link via electronic ACH payment. Card payments are limited to $3000 and subject to 4% processing fee.
Warranty
■ After final payment clears the GAF warranty is registered
