Insurance and claims
Insurance and claims
Get paid when something happens, and stay insurable when it does not.
Commercial Roof Asset Management by Dura-Foam documents flat and low-slope roofs for building owners and property managers. Pick the half you need below.
Part one: When something happensPart two: So it does not happen again
- California License 435836
- In business since 1983
- Over 20,000 roofs
When something happens
Storm, leak or roof damage on your building. Start here.
After the storm
The adjuster is coming. Be ready before they arrive.
An adjuster visit goes better when the roof damage is already documented, dated and located on a plan of the roof before the adjuster arrives.
Call before the adjuster visit
Call (310) 647-7192 as soon as the loss is reported. A robotic roof scan and photos come before anyone starts tearing into the roof.
Protect the interior
Move equipment and inventory away from active leaks. Temporary protection on the roof stops more water from getting in.
Keep every record
Save photos, receipts and notes from the day of the storm onward. Every dated record helps tell the story of the loss.
What we document
Scan data, photos and a condition record with a date on it.
We document roof damage with robotic roof scan data, photos and a dated condition record, and a scan already on file becomes the before picture most owners cannot produce.
- A roof condition report with a Roof Condition Score and Estimated Remaining Service Life
- A Moisture Map and Deficiency Map located to the exact position on the roof
- Geo-tagged photos of drains, seams, flashings and penetrations
- A dated history of inspections, repairs and post-storm checks
How a claim runs
From the call to the finished roof.
A roof claim runs in six stages, from your first call to the finished roof, and the timeline below names each stage without promising how long any one takes.
- 1
Storm or leak
Damage happens. Report the loss to your carrier as your policy requires.
- 2
Call us
Call (310) 647-7192 to get the roof documented.
- 3
Robotic roof scan and photos
Moisture, damage and deck condition, located and dated.
- 4
Documentation to you
The record goes to you to share with your adjuster.
- 5
Adjuster visit
We can meet the adjuster on the roof with the record in hand.
- 6
Finished roof
Repair or replacement, built to the scope you approve.
Your carrier decides coverage under your policy. We document the roof, walk it with the adjuster when you ask us to, and do the work you approve.
So it does not happen again
Renewal, insurability and the record that protects your next claim.
Staying insurable
Carriers are asking for proof, and most owners cannot give it.
Carriers increasingly ask for proof of roof age, condition and maintenance at renewal, and most owners cannot produce a dated record of any of the three.
| What Underwriters May Evaluate | What Our Program Documents |
|---|---|
| Roof age and current condition | Roof Condition Score and Estimated Remaining Service Life |
| Leaks, moisture and prior damage | Moisture Map and Deficiency Map |
| Drainage and ponding conditions | Geo-tagged photo documentation |
| Maintenance and repair history | Inspection and repair history |
| Storm and physical damage | Post-storm inspection records |
What your carrier wants to see
A documented condition, a maintenance record and a plan.
A documented condition, a maintenance record and a plan answer most of what a carrier typically asks about a commercial roof at renewal.
| Renewal item | Robotic roof scan produces it | Maintenance record produces it |
|---|---|---|
| Current roof condition | Yes | No |
| Remaining service life | Yes | No |
| Leak and moisture evidence | Yes | No |
| Dated roof photos | Yes | Yes |
| Maintenance and repair history | No | Yes |
| Post-storm inspection records | No | Yes |
| A plan for repair or replacement | Yes | Yes |
| Roof age and installation year | From you: Your permits or purchase records | |
Requirements vary by policy. Ask your broker which items your renewal needs.
The before picture
A dated scan is the difference between a covered claim and a denied one.
A dated scan taken before a storm shows the prior condition of the roof, which is often the evidence that separates new storm damage from old wear in a claim review.
Scheduled inspections
Inspect in spring and fall so the record stays current.
After major storms or rooftop construction
Record damage while the cause is still clear.
Correct deficiencies
Repair what the Deficiency Map shows and add the repair to the history.
Share the record at renewal
Send the current report and history to your broker when requested.
Straight answers
No runaround.
Seven questions building owners and property managers ask us, each answered in the first sentence.
Will a roof scan get my claim approved?
No roof scan decides a claim, because your carrier decides coverage under the terms of your policy. The scan gives you a dated, located record of the roof to support the claim you file.
Should I call you or my insurance company first?
Call both: report the loss to your carrier as your policy requires, and call us at (310) 647-7192 to document the roof before the adjuster arrives. Documentation is strongest while the damage is fresh.
What if I never had a scan before the storm?
A scan after the storm still documents the damage, the moisture and the deck condition as they stand today. The scan cannot show how the roof looked before the event, which is why owners keep one on file going forward.
Do you work for the insurance company?
Commercial Roof Asset Management by Dura-Foam works for the building owner or property manager, never for the carrier. We are not a claims network and we do not run a managed repair panel.
What do carriers typically ask about the roof at renewal?
Carriers typically ask about roof age, current condition, leaks and moisture, drainage, maintenance and repair history, and storm damage. Requirements vary by policy, so ask your broker what your renewal needs.
Will the report lower my premium?
No guarantee is made: our program does not guarantee insurance eligibility, renewal, coverage or lower premiums. The report is a professional record you can share when your broker or carrier requests one.
Who can we share the report with?
The report can be shared with brokers, underwriters, adjusters, lenders and asset-management teams whenever one is requested. You own the record and decide who sees it.
Get started
Request a Roof Scan.
Request a Roof Scan after a storm or ahead of renewal, and tell us which one brings you here.
- Robotic roof scan, photos and a dated condition record
- Documentation you can share with your adjuster or broker
- Working for the owner or property manager, never the carrier
- California License 435836, in business since 1983
Prefer the phone? Call (310) 647-7192. California License 435836.