Insurance Restoration Projects
We streamline the entire insurance process to make it as simple and pain-free as possible.
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Over 50% of homes qualify for full roof replacements. Enter your information here and get qualified today.
We Have Completed Hundreds of Storm Restoration Projects
We know the process. We make it easy.
We work with homeowners utilizing a streamlined process for getting repair or re-roofing work done. We can provide insurance carriers with all of the required damage documentation that they need upfront. This shortens the cycle, and allows NewRüf.com to restore the roof faster.
We often fly drone inspections which utilize the latest damage detection software to identify problem areas better than the human eye. This report gives you drone imagery in an amazingly detailed damage, measurement, and claims report with photos and videos for your records. We also come prepared by providing you historical weather data for your exact address.
25 Point Inspection – HITEK Inspection
We conduct a thorough property inspection of your home or your commercial building to determine the damage to the following:
- Rain gutters and downspouts
- Window screens
- Window beading and window glass
- Garage doors
We will provide you with a NEWTEK 360 report with videos and photos, which may later be submitted to your insurance company.
5 Step Insurance Process
Welcome to our (almost) stress-free insurance restoration process.
Step 1 – Inspection
After your home experiences damage, we will come out to your property and do a complete inspection of the structure. To accurately assess the entire home, our specialist will inspect every inch of your roof. Our specialist will check all of the following areas for damage.
- Roof – Garage
- Interior – Windows
- Gutters – Fence
- Attic – Decks
- Gutters and Downspouts – etc.
- AC Coils
Step 2 – Proprietary NewTek 360 Damage Report
Once our specialist has thoroughly assessed your home’s damage, he or she will complete a NewTek 360 damage report. This report will include a full rundown of all of the damage that has occurred to your home. The specialist will also take photos and videos of the damage, which can be submitted to your insurer as proof of damage.
Step 3 – Dealing with the Insurance Company
(If there is any stress, this where it shows up.) After we have inspected your property, assessed the damage, and completed our proprietary NewTek360 form for your home, we provide you with the information and tools needed for you to deal with the insurance company. You simply call them and file a claim. When they send an adjuster to complete an inspection, one of our specialists can be there to discuss the damage with the adjuster. We can also answer any questions you may have about dealing with the insurance company. Further, we provide historical storm data and damage reports which can help to support your claim.
Step 4 – Project Planning and Completion
Once the insurance company has approved the claim, the next step is for us to plan the project with you. This involves discussing the exact repairs that will be made, choosing the materials, picking colors, laying out a timeline, etc. After that, NewRüf.com will complete the project using the utmost professionalism in a timely manner.
Step 5 – Enjoy Your NewRüf!
Once we are done with the work on your roof, your roof will be as good as new. What a relief! We know how difficult it can be to deal with roofing issues, and we are sensitive to that throughout the whole process. It is our goal to return your home to normal as soon as possible, and we genuinely care about our clients.
Your satisfaction is our highest priority
If you have recently experienced damage to your roof and if you need help with the restoration process, then please feel free to Get in Touch with NewRüf.com today!
Insurance Claims & Deductibles
Since 1989, waiving insurance policy deductibles had become a common practice throughout the state of Texas. The companies and individuals who failed to collect the required insurance deductibles were known as “deductible eaters.” Through promises such as a free roof inspection or replacement, many homeowners have been convinced to sign on with these deductible eaters. Unfortunately, this can lead to the homeowners unknowingly committing insurance fraud!
However, a new law was passed during the 2019 legislative session, which requires property owners to pay – and contractors to collect – any deductible required under the owner’s insurance policy. This new law, titled Payment of Insurance Deductible, went into effect September 1, 2019. It is located in Chapter 707 of the Texas Insurance Code, and Section 2 of the Texas Business & Commerce Code. It applies to any claim by a property owner of damage of more than $1,000 to real or personal property which will be paid in whole or in part by insurance proceeds.
Although payment of insurance deductibles was always required by law, enforcement was difficult due to the many loopholes available to owners and contractors. However, under the new law just passed, these loopholes are now firmly closed. A violation occurs any time a contractor: pays for, waives, absorbs, rebates, credits or offsets, or otherwise assists the insured in any other manner in avoiding the financial payment of a required insurance deductible.
Individuals who violate this law are subject to a Class B misdemeanor offense, which can result in 180 days in a county jail and a fine of up to $2,000. Violating the new deductibles law can also lead to fraud charges against the Contractor and the Property Owner for anyone who misrepresents the payment of an insurance deductible to an insurance company for the purpose of obtaining release of the depreciation or any other insurance company holdback. Because Section 707.004, known as the reasonable proof of payment provision, requires the Owner to provide proof that the deductible has been paid or is being repaid under a qualifying repayment plan. This “reasonable proof” is defined as: a “canceled check, money order receipt, credit card statement, or copy of an executed installment plan contract or other financing arrangement that requires full payment of the deductible over time.” (Tex. Ins. Code §707.004.)
In order to keep itself and its customers from violating this new law or committing insurance fraud, NewRuf follows this new law by collecting all required deductibles. If a property owner believes that paying the deductible, even if paying over time, would create a financial burden, the owner should ask its insurance adjuster to waive the requirement to pay the deductible.
NewRuf is not a Public Insurance Adjuster and is not providing or offering to provide public adjusting services to its clients. As such, nothing you may read on this website or in any other NewRuf publication should be construed as a promise to negotiate your claim. The information and services provided by NewRuf are limited to evaluation and discussion of damages, repair scope and pricing.
Maintain Your Roof Warranty
Exact vs Like-Kind Replacement
Manufacturers design roof systems to last a lifetime. In order to maintain the roof’s integrity, only exact replacement components should be used. In the case where materials are dated or no longer offered, manufacturers offer like-kind replacements that perform equally well or even better.
Top manufacturers have very specific installation and repair procedures that govern the performance of roofing systems. Any deviation from the material, component, or installation guidelines will result in a voided warranty. It’s vitally important that your roofer follows manufacturer guidelines for repair and replacement.
Links to major insurance companies and their claims forms.