You can block out several hours after work or spend your weekend meeting pushy roofing contractors. You'll have to screen for the fly-by-nights, listen to several sales talks and undergo all kinds of high-pressure techniques. Or you can make one call to a Good Texas Roofing company and take care of it quickly... without losing any sleep at night.

58-Point Checklist

My famous 58-Point Roofing Checklist is fairly exhaustive. It covers more details than any other roofing service. This checklist is based on over a dozen years of roofing insurance claims experience.

Scan through my list to be sure you are getting premium service when you replace your roof.

Make A List Of Your Damage

1. Walk around your house inside and out with a notepad.
2. Check your window screens for tears.
3. Check your windows for cracks or damage to the plastic beading.
4. Did you have any glass broken on your carpet or rugs
5. Did your lawn furniture get damaged?
6. Check on your garden decorations too.
7. Check your spa covers, trampoline covers, tarps, etc for rips.
8. If you have a wood stained fence, patio or playground equipment, look for scuff marks.
9. Are the fins on your air conditioning unit damaged?
10. Do you have anything outside with moving parts? Does it still function correctly?
11. Are all of your outside lights still working?
12. If you have a pool, did you have to clean the storm damage out?
13. Did you lose any trees or have to do any trimming?
14. Did your electricity go out? Did you have any food spoilage?
15. Are there any water stains on your ceilings? Look closely around your light fixtures, in the corners and around your chimney.
16. If you see water stains, it is a good idea to check your attic for wet insulation.

    Call Your Roofing Contractor

17. Set aside a time when you can be home to meet.
18. Look for a professional appearance and a timely appointment.
19. If your contractor is not on time, only agree to reschedule if they call before your original appointment. You will save yourself a lot of heartache following this suggestion.

    Get Your Guarantee in Writing

20. Ask any questions you have about the claims process.
21. Show them your storm damage notes. Ask them to double check your notes.
22. Agree to have your roof replaced on the condition that your insurance company agrees to replace your entire roof. Sometimes, insurance companies will only want to repair or replace a part of the roof.

    Steps to Filing A Claim

23. If you have not already called your insurance agent, it is now time to report your claim.
24. Report any storm damage noted on your personal notes.
25. If you have noticed roofing signs or other roofing jobs going on in your neighborhood, tell your insurance agent.
26. Make notes of who you are talking to, what day and what time.
27. Request that the person coming out to inspect your damage, the adjuster, call you in advance to make an appointment.
28. If your adjuster does not call you within 48-72 hours, call your insurance agent.
29. Once your adjuster makes the appointment, call your roofing contractor to advise them of the time so they can help you with your claim.

    Meeting The Adjuster

30. Dress business casual when your adjuster and roofing contractor come out to meet you.
31. Greet them with a firm handshake and introduce your roofer.
32. Allow the adjuster and your roofer to go over the claim together. Offer your help. If refused, you should relax inside while the claim is being written.
33. Your roofer and adjuster will then inspect, measure and evaluate the storm damage to your home. This may take some time.
34. Offer your adjuster a cold drink or a place to sit down when they finish. They will appreciate your kind gesture.
35. Avoid being confrontational at all costs. If you do not get everything paid, you still have the right to appeal later.
36. A professional contractor can help you with several levels of appeal if your claim is not paid to your satisfaction.
37. You will either be given a check for your damage on the spot or your adjuster will advise you when to expect payment.

    Handing The Finances

38. Normally, you will not receive payment in full for your storm damage until the repairs are invoiced.
39. If you have a mortgage, your check will be co-endorsed to your mortgage company.
40. Call your mortgage company and find out if they have a local branch. Find out if there is any additional paperwork you will need your roofing contractor to complete.
41. You may need a conditional lien release or a notarized statment for your mortgage company before the funds are released.
42. Deposit your check in a special savings account.
43. Under most circumstances, you should not pay any money until it is time to order materials.
44. The materials payment should not be the full amount.
45. You and/or your mortgage company should hold back some of the money until your roof is completed.

    Roofing Your Home

46. Clear a space on one side of your driveway for roofing materials.
47. Be sure to point out any sprinkler heads.
48. Your roof should not be torn off until you have materials in your driveway.
49. Take down any precious moments, knick-knack shelves, picture frames or other wall-hanging valuables before the job starts.
50. Check with your local neighborhood association, city and/or county to be sure you have all of the paperwork you need before your job starts.
51. There should be a roofing supervisor on-site at all times. They should be able to communicate with your comfortably.
52. Make sure there are live electrical sockets outside. This allows the air compressor to power the nail guns. NOTE: Under no circumstances should you allow staples to be used on your roof.
53. Be sure that the roofing crew uses a nail magnet to check for nails in your yard, driveway and flower gardens.
54. Your driveway should be swept each evening and the trash should be picked up at reasonable times throughout the day.

    Final Inspection and Payment

55. When your roof is complete, you should take a quick walk around your home to inspect the job.
56. Your roofing contractor should come out and do a complete walk around with you to check the work and begin your warranty period.
57. You should then make the final payment on your job after you have received a final lien release.
58. File a copy of your roofing contract, personal notes and copies of payment information away in a safe place.

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