Insurance Claims
Hail, wind and storm damage are considered an insurance loss on your homeowner’s policy. Most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged. The claim is also considered a natural disaster and does not count against you for future rate increases. Campbell Contracting will help you deal with your insurance company and meet with your insurance adjuster if requested. Our involvement prevents you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied. With Campbell Contracting you pay no out-of-pocket expense other than your insurance deductible. We agree to accept what your insurance company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement. You may also benefit from upgrades that we typically offer as signing incentives.
Our Process
- First, we ask that you provide us with a copy of your insurance adjusters summary report so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately
- Second, we match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something.
- Third, we fax the signed contract to the insurance company.
- Fourth, if there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. Most likely there will be several forms to be filled out and notarized. We provide our Fed Ex account for you to overnight the check for endorsement and forward the documents needed to process.
Insurance Claims – FAQ
Q. How do I know if I have roof damage? My roof isn’t leaking.
A. In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be readily apparent and may not start to leak for some time. It’s best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.
Q. The insurance company withheld depreciation on my roof. Will I get that money?
A. Yes. Most all home owners’ policies cover full replacement value. The first check the insurance company gives you is the Actual Value (ACV); what the roof is worth today with its useful remaining life. The money that was withheld is call the depreciation, or technically, the Replacement Value (RCV) and will be paid to you when the work is completed or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjuster’s summary report.
Q. Why did the insurance company withhold depreciation?
A. There are two reasons that the insurance companies hold some money back. The first reason is to make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, many people end up spending it on something else. The second reason is that they wish to make sure that you pay your full deductible. The insurance companies reason that, if you are given all the money to begin with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand. By holding a retainage amount, they can adjust the amount of the final payout based on the roofing contractor’s invoice, thus assuring that the customer does pay the deductible.
Q. How can I avoid paying the deductible?
A. Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please don’t ask us to do this.
Q. On my paperwork, it looks like my insurance company has already deducted my deductible from the check they sent me?
A. When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the home owner’s deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible, is the total amount the insurance company will actually pay for the claim.
Q. The insurance is only paying for part of my roof, and my neighbor’s insurance company paid for their entire roof; why is my insurance company only paying for part of my roof?
A. No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, if is it border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they’re not able to walk on a step roof and photograph certain areas. Campbell Contracting ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.
Q. Should I get several estimates?
A. It is always prudent to get more than one estimate. However, when insurance is paying for the work, the dollar amount of the estimate is not very important as long as it is equal to or less than the insurance company estimate. In all such cases, with Campbell Contracting, you will only be paying your deductible, so your cost with us will be what the insurance company pays, plus your deductible. Therefore, your decision should be based on going with the contractor that you feel most comfortable with and whom you feel will perform the best job.
Q. What if your estimate is greater than the insurance company’s estimate?
A. Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.
Insurance Claims – Companies and Phone Numbers
A
AAA Insurance (Auto Club Family Insurance Company) 800-222-7623 ext. 5000
Acadia Insurance Company 800-444-0049, ext. 2600
ACE USA Clients receive individual 800 numbers or call 800 433-0385 (ACE USA/INAMAR Marine claims); 800 234-7354
(Disaster Mortgage Protection claims)
Acuity – 800-242-7666
AIG – 877-244-0304
Alabama Department of Insurance – 334-269-3550
Alabama Municipal Insurance Corporation – 866-239-AMIC
Alfa Insurance Group – 888-964-2532
All America Insurance Company – 888-263-2924
Allied Property and Casualty Insurance Company – 800-282-1446
Allmerica – 800-628-0250
Allstate – 800-54-STORM (800-547-8676)
Allstate Floridian Insurance Company – 800-54-STORM (800-547-8676)
America’s Health Insurance Plans (AHIP) – 800-644-1818
American Alternative Insurance Corporation – 866-220-3505
American Bankers Insurance Company – 877-459-6075
American Federation Insurance Company – 800-527-3907
American General Property Insurance Company of Florida – 800-321-2452
American Integrity Insurance Group – 866-277-9871
American International Group, Inc. (AIG) – 877-AIG-0304
American Keystone Insurance Company – 877-359-9777
American Modern Insurance Group, Inc. – 800-375-2075
American National Property & Casualty Company & Affiliates – 800-333-2860
American Reliable Insurance Company – 800-245-1505
American Security Insurance Company – 800-326-2845
American Skyline Insurance Company – 888-298-5224
American States Insurance Company – 888-557-5010
American Strategic Insurance – 866-ASI-LOSS (274-5677) / 866-274-8765
American Superior Ins. Co. (Liquidated) – FIGA – 866-928-4312 or Northpoint 800-690-8114 or Citizens 866-411-2742
American Traditions Insurance Company – 866-270-8430
Ameriprise Insurance Company (Ameriprise Auto & Home Insurance) – 800-872-5246
Ameritrust Insurance Corporation – 800-825-9489
AMICA Mutual Insurance Company – 800-242-6422
Arch Insurance – 800-817-3252
Argus Fire & Casualty – 866-291-4609
Armed Forces Insurance Exchange – 800-255-0187
ASI Assurance – 866-ASI-LOSS (274-5677) / 866-274-8765 / fax 866-274-3299
ASI Lloyds – 866-ASI-LOSS (274-5677) / 866-274-8765 / fax 866-274-3299
Atlantic Mutual Insurance Company – 800-945-7461
Atlantic Preferred Insurance Company – 800-673-4952
Auto Club Family Insurance Company (ACFIC) – 800-222-7623 ext. 5000
Auto Club Insurance Company of Florida- 888-929-4222
Auto Club South Insurance Company- 800-289-1325
Auto Owners (Palm City) – 800-783-1269
Auto Owners (Ft. Meyers) – 800-437-2256
Avemco Insurance Company – 800-874-9124
AXA Re Property and Casualty – 800-216-3711 / 800-509-1592 / fax 352-332-7999 / claims@thig.com
AXA Re Corporate Solutions – 800-216-3711 / 800-509-1592 / fax 352-332-7999 / claims@thig.com
B
Bankers Insurance Company – 800-765-9700 / fax 877-541-4084
Bankers Security Insurance Company – 800-765-9700 / fax 877-541-4084
Bituminous – 800-678-3104 and 800-822-2905
Bristol West Insurance Group – 800-Bristol
Burlington Insurance Group – 877-434-2667
C
California Casualty – 800-346-6840
Capitol Preferred – 800-734-4749 or 888-388-2742
Catawba – 800-711-9386
Catlin US – 800-216-0652
Central Mutual Insurance Company 888-263-2924
Century Surety Ins. Co. – 800-850-0422 / fax 614-895-7040 / www.centurysurety.com
CHUBB – 800-CLAIMS-0 (800-252-4670)
Church Mutual – 800-554-2642
Cincinnati Insurance Company (call your local agent first and then 877-242-2544)
Citizens – 866-411-CPIC (866-411-2742)
Clarendon America Insurance Company – 800-216-3711 / 800-509-1592 / fax 352-332-7999 / claims@thig.com
Clarendon National Insurance Company – 800-216-3711 / fax 352-332-7999 / claims@thig.com
Clarendon Select Insurance Company – 800-216-3711 / fax 352-332-7999 / claims@thig.com
CMI Lloyds Insurance Company – 888-263-2924
CNA – 1-877-CNA-ASAP (1-877-262-2727) or FAX at 1-800-953-7389
Coast National General Agency – 800-BRISTOL (800-274-7865)
Colony Insurance Company – 800-577-6614, Ext. 1715 / fax 804-327-1792 / claimsreporting@colonyins.com
Companion Property & Casualty – 800-649-2948
Continental Western Insurance Company – 800-444-0049, ext. 2600
Cotton States Mutual Group – 800-282-6536
Countrywide Insurance Group – 888-768-2096
Crusader Insurance Company – 800-669-9800
CUNA Mutual – 800-637-2676
Cypress P&C Insurance Company – 888-352-9773
Cypress P&C Insurance Company (All other CAT claims) – 888-352-9773
Cypress P&C Insurance Company – Frances Claims – 866-560-6192
D
Dairyland Insurance Company (see Sentry Insurance)
Depositors Insurance Company – 800-282-1446
Drive Insurance from Progressive – 800-925-2886
E
EMC Insurance Companies – 800-910-4988
Encompass Insurance Company – 800-588-7400
Erie Insurance Group – 800-367-3743
F
Farm Family Casualty Insurance Company 800-948-3276
Farmers (Fire Insurance Exchange) – 800-435-7764
FCCI (first report of injury) – 800-226-3224
Federated Mutual – 888-333-4949
Federated National Insurance Company – 800-420-7075
FEMA – 800-621-FEMA (3362)
Fidelity & Casualty Insurance Company – 800-725-9472
Fidelity National Insurance Company – 800-220-1351
Fidelity National P&C Insurance Company – 800-725-9472
FIGA – 904-398-1450 or 866-928-4312
Fireman’s Fund – 888-FIREHAT (888-347-3428)
First Financial Insurance Company – 877-434-2667
First Floridian Auto and Home Insurance Company – 800-CLAIM33 (800-252-4633) (auto & home) / 800-238-6225 (business claims)
First Home Insurance Company – 800-488-8141
First Premium Ins. Group (Lloyd’s Mobile home) – 800-432-3072 / fax 954-331-4848 / karent@firstpremium.com
First Protective Insurance Company – 877-744-5224
First Trenton – 800-468-7341
Florida Department of Insurance – 800-342-2762
Florida Family Insurance Company – 888-486-4663 / fax 904-350-9110
Florida Farm Bureau Insurance Companies – 866-275-7322
Florida Peninsula – 877-994-8368
Florida Preferred Property Insurance Company – 800-673-4952
Florida Select – 888-700-0101 / fax 800-827-2846 or 941-906-2306
FM Global – 877-NEWLOSS (639-5677)
Foremost Insurance Company – 800-527-3907 / www.foremost.com
Foremost Property and Casualty Insurance Company – 800-527-3907 / www.foremost.com
Foremost Signature Insurance Company – 800-527-3907 / www.foremost.com
Forest Insurance Facilities, Inc. – 888-892-4381
G
GE Employers Re – 866-413-8978
GEICO – 800-841-3000 or contacted at GEICO.com
General Star Indemnity Company 800-624-5237
General Star National Insurance Company 800-624-5237
Georgia Casualty & Surety (claim reporting) – 800-279-8279
Georgia Casualty & Surety (claim department) – 866-458-7506
Georgia Farm Bureau 866-842-3276
GeoVera Specialty Insurance Company – 800-631-6478
Germania Insurance 877-437-6264
GMAC Insurance (Auto claims) – 800-468-3466
Granada Insurance Company – 800-392-9966
Granite Mutual Insurance Company 800-435-0397
Graphic Arts Mutual Insurance Company – 800-216-1420
Great American – 800-221-7274
Guardian Life Insurance Company of America – 866-367-4077; (610-807-7954)
Guide One – 888-748-4326
Guilford Specialty Group – 877-434-2667
Gulfstream Property and Casualty Insurance Company – 866-485-3005
H
Hanover American Insurance Company – 800-628-0250; or 508-855
Hanover Ins. Co. – 800-628-0250
Harbor National Insurance Company – 800-216-3711 / 800-509-1592 / fax 352-332-7999 / claims@thig.com
Harbor Specialty Insurance Company – 800-216-3711 / 800-509-1592 / FAX 352-332-7999 / claims@thig.com
Hartford: The Hartford – 800-243-5860
Hillcrest Insurance Company – 800-216-3711 / 800-509-1592 / 352-332-7999 (fax), claims@thig.com
Holyoke Mutual – 800-225-2533
Home Pointe Insurance Company – 800-910-1104 / www.npic.com
HomeWise Insurance Companies – 866-496-1782
Humana – Mitch Lubitz, (w) 813-287-6180, (c) 813-732-0386, mlubitz@humana.com
I
ICAT Claims – 866-789-4228
IDS Life Insurance Company (Ameriprise Financial) – 800-862-7919
IDS Life Insurance Company of New York (Ameriprise Financial) – 800-541-2251
IDS Property Casualty Insurance Company (Ameriprise Auto & Home Insurance) – 800-872-5246
Imperial Fire & Casualty Insurance Company – 800-960-5677
Industrial Risk Insurers – 860-520-7347 (commercial claims)
Interstate Fire & Casualty – 800-456-8458, Ext. 7770 / fax 303-222-7759
Irving B. Green & Associates – 877-424-7336
Infinity Insurance Companies 800-334-1661
Interstate Fire & Casualty 800-456-8458, ext. 770
J
Jewelers Mutual Insurance Company – 800-558-6411
K
Kemper Auto and Home – 888-252-2799
L
Liberty Mutual – 800-2CLAIMS or 800-225-2467 (personal lines); 800-259-2184 (commercial property)
Liberty Mutual Fire Insurance Company – 800-633-1833
Lloyd’s of London – 866-264-2533; (Email) policyholderassistance@lloyds.com
Louisiana Citizens Property Insurance Corporation – 800-931-9548
Louisiana Department of Insurance – 800-259-5300 (toll-free inside Louisiana only); 225-342-5423
Louisiana Farm Bureau – 866-275-7322
M
Magnolia Insurance Company – 888-843-7798
Main Street America Group – 877-282-3844
Mapfre Insurance Company of Florida – 888-9-MAPFRE
Markel American Insurance Company – 800-236-3113
Massachusetts Bay Insurance Company – 800-628-0250; or 508-855-2288
Mercury Insurance Group – 800-987-6000
MetLife Auto & Home – 800-854-6011
Middlesex Insurance Company (see Sentry Insurance)
Mississippi Farm Bureau – 866-275-7322
Mississippi Residential Property Insurance Association – 800-931-9548
Mississippi Windstorm Underwriting Association – 800-931-9548
Mitsui Sumitomo 866-676-6872
Motors Insurance Corporation (Commercial Lines) – 800-225-5642
N
NAMIC – Liz Reynolds, Jacksonville, 904-379-4896, or Nancy Grover, Washington, DC, 202-580-6742 x 102
National Automotive Insurance – 800-577-9471
National Casualty Insurance Co. – 800-423-7675 / fax 480-483-6752
National Flood Insurance Program (NFIP) – 800-427-4661
National Insurance Co. – 800-329-2121 / fax 305-445-0368 / claimsdept@nationalgroupfl.com
National Security Underwriters – 800-256-8277 (Alexandria); 800-738-8555 (South Bunkie)
Nationwide Insurance Company of America – 800-282-1446
NJM Insurance Group – 800-367-6564
Northpoint Insurance Company- 800-690-8114
North Pointe Casualty Insurance Company – 800-910-1104
North Pointe Insurance Company – 800-910-1104
North Pointe Insurance Group – 800-910-1104
Northern Capital Insurance – 866-270-8430
Northern Neck Insurance Company – 877-968-7252
Northern Security Insurance Company – 800-435-0397
O
Ohio Casualty and West American Insurance Company – 888-701-8727
Old Dominion Insurance Company – 877-425-2467 and 800-606-7992
Olympus Insurance Company – 866-281-2242
Omaha Property & Casualty – 800-638-2592 (Flood only)
Omega Insurance Company – 800-216-3711 / 800-509-1592 / fax 352-332-7999 / claims@thig.com
One Beacon – 877-248-3455
P
Patriot General Insurance Company (see Sentry Insurance)
Pharmacists Mutual Insurance Company – 800-247-5930
Praetorian Specialty Insurance Company – 800-216-3711 / 800-509-1592 / fax 352-332-7999 / claims@thig.com
Princeton Excess and Surplus Lines Insurance Company – 866-220-3505
Progressive Auto Insurance – 800-PROGRESSIVE (800-776-4737)
Providence Mutual Fire Insurance Company – 877-763-1800
Prudential P&C Ins. Co. (Bought by Liberty Mutual) – 800-225-2467
Q
QualSure Insurance Corp. – 877-563-0150
R
Regency (Tower Hill) – 800-216-3711
Reinsurance Association of America – 850-222-7710, JMassie41@aol.com
Republic Fire & Casualty (Homeowners, Dwelling Fire, Auto & Commercial) – 800-451-0286
Republic Franklin Insurance Company – 800-216-1420
Republic Group (Republic Fire & Casualty, Republic Underwriters Southern Ins Co, Southern Underwriters Ins) – 800-451-0286
Republic Underwriters (Commercial) – 800-451-0286
Response Insurance Companies CT BCO – 888-288-6084
Response Insurance Companies WA BCO – 800-477-0553
RLI Insurance Company – Phone Number 800-444-0406; fax number 309-692-6796
Rockhill Insurance Company – 877-305-7625
Royal & Sun Alliance – 800-847-6925
S
SAFECO – 800-332-3226
Safe Harbour Underwriters – 866-ASI-LOSS (274-5677) / 866-274-8765 / fax 866-274-3299
Safeway Insurance Company – 800-252-3251
Savers Property & Casualty Insurance Co. – 800-825-9489
Scottsdale Insurance Company – 800-423-7675 / fax 480-483-6752 / www.scottsdaleins.com
Security First Insurance Company – 877-581-4862 / www.SecurityFirstFlorida.com/ jsemmens@securityfirstflorida.com
Security National Insurance Company – 800-Bristol
Selective – 866-455-9969
Sentry Casualty Company (see Sentry Insurance)
Sentry Insurance a Mutual Company (Transportation claims) – 800-638-8763; (Life claims) 800-533-7827; (Other claims) 800-638-8763
Sentry Life Insurance Company (see Sentry Insurance)
Sentry Select Insurance Company (see Sentry Insurance)
Service Insurance Company – 800-780-8423
Shelter Insurance Group – 800-SHELTER
Sompo Japan – 800-444-6870
Southern Family Insurance Company – 800-673-4952
Southern Fidelity – 866-874-7342
Southern Insurance Company (Commercial) – 800-451-0286
Southern Underwriters (Commercial) – 800-451-0286
Southwest Business Corp. Lloyd’s Excess Flood – 800-527-0066 Ext. 7389 / fax 210-525-0021 / dharrington@swbc.com
St. Johns Insurance Company – 800-748-2030
St. Paul Insurance Companies – 800-CLAIM 33 (800-252-4633) – Auto and Home Claims; 800-STPAUL (800-787-2851) – Business Claims
St. Paul Travelers – 800-CLAIM33 (800-252-4633) – Auto and Home Claims; 800-787-2851 – Business Claims; 800-356-6663 – Flood Claims; 800-772-4483 – Boat/Yacht Claims
Standard Guaranty Insurance Company – 800-326-2845
Star Insurance Company – 800-825-9489
State Farm Insurance – 800-SF-CLAIM (800-732-5246)
Sunshine State Insurance Company – 877-563-0150
T
TAPCO – 888-437-0373 / fax 336-538-0094 / bjohnson@gotapco.com
Texas Farm Bureau – 800-266-5458
Texas Select Lloyds Insurance Company – 866-887-7276
The Timbermen Fund (Louisiana Safety Association of Timbermen-SIF) – 877-628-6730
Tower Hill Insurance Companies – 800-216-3711 or 800-509-1592
Tower Hill Preferred Insurance Company – 800-216-3711 / 800-509-1592 / fax 352-332-7999 / claims@thig.com
Tower Hill Prime Insurance Company – 800-216-3711 / 800 509-1592 / fax 352-332-7999 / claims@thig.com
Tower Hill Select Insurance Company – 800-216-3711 / 800 509-1592 / fax 352-332-7999 / claims@thig.com
Travelers – 800-CLAIM33 (800-252-4633) (auto & home) / 800-238-6225 (business claims)
Travelers Flood – 800-356-6663
Travelers Boat & Yacht – 800-772-4482
U
Unemployment Insurance – 866-4-USA-DOL (866-432-0264)
Union Insurance Company – 800-444-0049, ext. 2600
United Farm Family Insurance Company – 800-948-3276
United Fire Insurance Company – 800-343-9131
United Property and Casualty Insurance Company – CAT: 800-882-0180 (activated at the time of a CAT event)
Non-CAT: 800-861-4370 (available at all other times)
United Services Automobile Assn. – 800-531-8222 (all USAA Cos) and 800-531-8722
Universal Insurance Co. – 888-846-7647/ fax 888-846-7649 / universal@isacclaims.com
Universal Property & Casualty Ins. Co. – 800-425-9113 / fax 305-933-6181
USAA – 800-531-8222 and 800-531-8722/ fax 800-531-8669
USF&G – 800-787-2851; 800-631-6478 (homeowners claims); 407-660-9000 (customer service)
USLI – 800-523-5545 / fax 610-687-9398 / spalma@usli.com
Utica Mutual Insurance Company – 800-216-1420
Utica National Insurance Company of Texas – 800-216-1420
Utica National Insurance Group – 800-216-1420
V
Valley Forge Life Insurance (Subsidiary of CNA) – 800-437-8854
Vanguard Fire & Casualty Company – 888-343-5585 / fax 941-342-2080
Vermont Mutual Insurance Company – 800-435-0397
Voyager Indemnity Insurance Company – 800-245-1505
Voyager Property & Casualty Insurance Company – 800-358-0600
W
Westfield Insurance – 866-937-2663
Williamsburg National Insurance Company – 800-825-9489
X
XL- 800-688-1840
Z
Zenith (first report of injury) – 800-440-5020
Zurich – 800-987-3373