INSURANCE CLAIM FAQ

How the check is handled varies by circumstances. Sometimes, if your mortgage company is a local bank, certain branches can endorse the check for you. Other times, it may be necessary to mail the check to the mortgage company. Regardless, your project manager will guide you through the necessary steps.

No, you are not required to get three estimates. You are allowed to choose whichever contractor you want to complete the work on your property. Bison Roofing will provide your insurance company with our damage assessment and answer any questions they may have about recommended repairs. Generally, your only out-of-pocket expense will be your insurance deductible. Bison Roofing will complete the final approved scope at the price authorized by insurance company/adjuster.

Chances are, we use the same estimating software and pricing as your insurance company. So, once the final scope of work is authorized by insurance, Bison Roofing is able to perform that work for the insurance company pricing. This is a great convenience for our customers, because it streamlines the repair process.

Initially, your adjuster will authorize a scope of work to complete the repairs to your home. Sometimes, this estimate may change in scope and cost during construction due to mis-measurement of materials, discovery of additional damage once construction begins, or other unforeseen issues. When this happens, your project manager will submit a change order to the insurance company, which informs them of the changes to the scope of your job. This is standard procedure and is expected by the insurance companies. Any additional funds released due to a change order are considered part of the job cost, and are due to Bison Roofing just like any other insurance payment.