ROOFING INSURANCE CLAIMS FAQs

Have a question about filing a claim with your insurance company? We can help! Below are a few of the questions we get asked most often.

For claims related to a storm, will you meet with my insurance adjuster?

We strongly recommend having a representative from Empire present when your insurance adjuster does his initial inspection. To start the process, you can call us with your adjuster’s information, or you can have your adjuster contact us directly. We will set up an appointment to meet and review your property. It is very important to have us there to represent you during this appointment. Please do not allow your adjuster to look at your roof alone, even if they tell you that they do not need us present. Empire also reviews paperwork from your insurance company, points out damages that they may have missed otherwise, etc.

Do you charge for supplements?

We do not charge the homeowner directly for any supplements. We handle that directly with the insurance company.

What happens if insurance only partially approves the claim?

Empire Restoration is a leading expert in the field of roofing insurance coverage and claims in the Bluegrass region. We always work to get you the maximum benefits of your policy. Should this not occur, we will work with you to re-file your claim, or provide you with different payment options. The choice is yours.

Are you asking me to sign an Assignment of Benefits (AOB)?

No, we do not require you to sign anything of the sort.

Will I owe anything beyond deductible and approved scope?

You will only be out of pocket for your deductible and any upgrades you decide to do.

Do you offer financing if insurance underpays?

We offer financing and are certified through FORTIFIED Roof, which provides grants up to $10,000 for roofing projects.