Insurance Claims


Here at our company have the experience to deal with insurance claims. We have years of experience working with insurance companies on storm and wind damaged claims. In many cases, we have assisted insurance companies with identification of damage and estimating the claim. We know what to look for, how to process you claim and make sure you get the funds necessary to compensate for your losses.

We had handled many insurance claims. You will be in good hands with our knowledgeable staff. We will be glad to help you with your claim and explain anything you may have questions on. If you have a claim already, you can contact us for a free, no obligation claims assessment. Each roof and situation are different, however, your claim will be handled the same no matter who you are insured through. Insurance companies typically obtain your replacement cost by multiplying the fair market value in your area by the amount of roofing you have to replace. Below are some common questions consumers have about insurance claims. If you have more questions, please contact us for further assistance. We are always glad to help. We will not charge for meeting with your insurance adjuster to fight for your claim, we only ask that we do the work once your claim is approved.


If your property was hit by a severe storm:

Before you begin repairs you want to be sure your insurance settlement is accurate and the scope of work is sufficient to fully restore your property. If you already filed a claim, it’s our experience that the initial adjuster’s assessment is often incomplete and/or not properly reflecting all the damage incurred. (Insurance adjuster’s must have a large general knowledge of construction, but not always an expertise in certain trades, thus missing damage, important components, proper pricing, etc.)

We’ve assembled a highly experienced and skilled team of experts to help you with your insurance claim at any stage of the process. Some of the services we offer:


-Review claim estimate for accuracy and appropriateness of repairs recommended

-Meet with the Insurance Company’s adjuster to assess damage and discuss proper restoration

-Employ or recommend Public Adjusters, Attorneys, Engineers, trades experts when needed

-Consult and advise you throughout the process to insure you’re fully informed and fairly treated


Once your damage is properly estimated and claim settled, we will repair the property. After the work is complete we’ll help you collect any additional depreciation funds held by Insurance, assist with mortgage company endorsements and inspections and bring the entire project to completion.



Will my insurance company pay for my roof to be replaced?

Yes, if there is damage caused by an act of nature such as wind or hail.

Does it matter how old my roof is?

Not as far as determining whether to pay or not, but it does affect how much the insurance company will pay if you have an "Actual Cash Value" (ACV) policy.

How much do I have to pay?

This depends on your deductible and the type of policy you have. If you have a full replacement policy, your total cost would be the amount of your deductible. If you have an "Actual Cash Value" (ACV) policy, the insurance company subtracts your deductible from the total amount, and then they subtract a portion for depreciation. Depending on the age of the roof, usually, with an ACV policy, you end up with approximately 50% of the funds needed to replace the roof.

What If I get bids lower than my insurance settlement, do I get to keep the rest?

This depends on how they pay you. Some insurance companies will pay a lump sum at one time, while others will require the work to be completed before they release a final payment. If they pay a portion up front and are holding a portion back until completion, the final bill will be determined by the actual invoice not to exceed the adjusted amount.

Per example: The insurance company says it will allow $5000.00 to replace your roof. Your deductible is $1000.00. You will only receive $4000 if the job costs $5000. If the job costs $7000.00, the insurance company will pay you $6000.00 total, since your deductible is $1000.00. They only owe the actual amount not to exceed the adjusted amount. 

Can I get upgrades on my materials?

Yes, however, the increase in price above the insurance price is your responsibility. This is a great time for upgrades since the insurance company is responsible for the bulk of the cost. Also, if you have another storm related claim, the insurance company will put you back in the higher grade materials the second time. 


If you have any questions about insurance claims give us a call, we will be glad to help.


Jon Montes 


J Montes Inc/ Roofing Systems of Hampton Roads



J. Montes, Inc. Roofing Systems of Hampton Roads

Residential and Commercial Roofing Company Virginia Beach, Chesapeake, Norfolk.