Sika Sarnafil S327 PVC 80 mil: Heavy-Duty Single-Ply for Restaurant & Industrial Roofs

🛡️ Roof Insurance Claim Process (Step-by-Step)

1. Document the Damage — Take photos/video of all damage from multiple angles before any tarps or temporary repairs. Include close-ups of impact marks, granule loss, and membrane punctures.
2. Prevent Further Damage — Install emergency tarp or temporary seal. Most policies require you to mitigate further damage. Keep receipts for emergency repairs — they are reimbursable.
3. File the Claim Promptly — Contact your insurance carrier within 24-72 hours. Provide: date of loss, type of damage (wind/hail/other), photos, and a rough estimate if available.
4. Schedule Adjuster Inspection — The carrier sends a claims adjuster. Have your roofing contractor present during inspection — they can point out damage the adjuster might miss, especially on membrane seams and flashings.
5. Get Contractor Estimates — Obtain 2-3 estimates from licensed roofing contractors who work with insurance claims. Ensure estimates use Xactimate pricing (industry-standard insurance estimating software).
6. Review the Adjuster Report — Compare the adjuster's scope of work with your contractor's estimate. Common disputes: matching undamaged adjacent slopes, code upgrades (building code may require upgrades the adjuster didn't include), and overhead & profit calculation.
7. Negotiate if Necessary — If the adjuster's estimate is lower than your contractor's, submit a "supplement" with additional documentation. You have the right to use a public adjuster (typically 10% of claim) if negotiations stall.
8. Approve and Schedule — Once you agree on scope and price, the carrier issues an Actual Cash Value (ACV) payment. After replacement, submit the final invoice for the Recoverable Depreciation (RCV - ACV = depreciation held back until work is complete).

📅 Roofing Season Calendar by Region

Plan your roofing project for optimal weather windows. Off-season installs may require special procedures and cost 10-20% more.