INSURANCE ROOFING PROCESS
1. Home Inspection - our trained weather damage specialists with inspect your entire home for viable weather damage. They will take photos and compile a report.
2. Contingency Agreement - if and when there is weather damage found, before we assist you with the insurance process, we will require that you sign a contingency agreement.
This simply states that because we have educated you about the insurance opportunity, and have and will continue to spend resources throughout the insurance process. That if and when your insurance company approves your claim (at any degree). You will allow Ohana Construction to perform the work that your insurance company agrees to pay for.
3. Filing the Claim & Scheduling the Adjustment - Your Ohana Construction Project Manager will assist you with filing your claim.
The Adjustment is the process at which your insurance company will send an Adjuster (inspector) to inspect the damage. THIS IS THE MOST IMPORTANT STEP IN THE PROCESS & YOUR OHANA PROJECT MANAGER MUST BE PRESENT! As the insured, you have the authority to dictate the scheduling.
4. Scope of Loss Review & Estimation - After the adjustment the insurance company will provide you with what's called a Scope of Loss. This is a line-by-line estimate of what they are agreeing to pay for.
Ohana Construction will review your insurance scope, making sure that nothing has been missed or omitted. If the scope is sufficient, Ohana Construction will perform all the work outline within the Scope of Loss. Your insurance proceeds will cover everything on the scope. Your deductible will be your only out-of-pocket expense.
5. Upgrades & Change Orders - Before scheduling and commencing your build your Ohana Project Manager will review and finalize your scope of work with you.
Any work that is not included within the insurance Scope of Loss, is not paid for by the insurance company, and will need to be paid for out-of-pocket by the homeowner.
Your Ohana Project Manager will review the change order and finalize any additional work with you. Change orders will be mutually signed and deposits must be collected before any work can commence.
6. Scheduling & Build - In order to get on the production schedule your deposit must be submitted and cleared. Scheduling is at your convenience; subject to project volume, weather, and product availability.
Prior to the build, please be sure to clear the driveway and create sufficient accessibility. We suggest not being home during the build period. It can be noisy and there will be debris around the property.
7. Final Inspection & Certificate of Completion (COC) - Once your build has been completed, an Ohana Quality Control Specialist perform a final inspection. After review, you will be asked to sign a Certificate of Completion acknowledging that the scope(s) have been performed to their entirety and to your satisfaction.
8. Close Claim & Final Payment - Ohana Construction will submit completion photos and the signed COC to your insurance company. This will close the claim and initiate the release of final funds.
A an additional supplement check - build costs that are covered retroactively - may come from the insurance company. All insurance checks are to be deposited into your personal account, and a personal check in the exact amount shall be maid payable to Ohana Construction.
All change orders, upgrades, and out-of-pocket expenses are also due at this time.
9. Referrals & Reviews - Ohana Construction appreciates your business and offers a $250 incentive for all referrals. Please leave positive reviews on YELP, and share posts about your experience on FACEBOOK / INSTAGRAM @OhanaConstr.
10. What's Next? - Ohana Construction also does painting, remodels/renovations, new construction, and more...now that you've saved money through insurance mitigation, let's see what other parts of your home could use some attention.