Are inspections FREE?
Yes all roof inspection are FREE of charge. We offer a free, no obligation inspection by trained professionals to determine the scope of your storm damage. We will take pictures of any damage and show you.If we find no damage then you don’t have to pay us one single dime.
My roofs not leaking and doesn't have any missing shingles. Does that mean I have no damage?
No. Your roof may not have noticeable damage but, the best way to tell if your roof is affected by hail or wind damage is to have one of our Claims Specialist who is experienced and can give you a Free honest Inspection to see if you qualify for a full roof replacement.
What if my roof is damaged by hail or wind?
We will guide you through the entire claims process. We will meet with your adjustor and work with your insurance company to ensure all necessary damages are covered by your carrier.
Will my insurance premium increase if I file a claim?
No your premium will not increase because the damage to your home is the result of a natural disaster which was beyond your control.
How many estimates do I need?
It is not necessary to get more than one estimate. We are experienced in working with all insurance companies and will make sure that you will not pay anything out of your pocket except your deductible. If a contractor gives you an estimate for less than the pricing determined by your insurance provider, you will not receive the difference. If we determine the repairs cost more than the pricing determined by your insurance provider, we will work with your insurance company to make sure they cover any additional costs.
What is my time frame for filing a claim?
Most insurance companies have a limited claim period. Typically, if you have all repairs completed with in one year without filing a claim, they are not required to fully indemnify you for your loss. You should file a claim as soon as possible to make certain that all work will be completed before the insurance deadline and to prevent any additional damage.
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. 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.
EXAMPLE: The insurance company says it will allow $4,000.00 to replace your roof. Your deductible is $500.00. You will only receive $3,500.00 if the job costs $4,000.00. If the job costs $3,700.00, the insurance company will pay you $3,200.00 total, since your deductible is $500.00. They only owe the actual amount not to exceed the adjusted amount.
How can I avoid paying the deductible?
Legally, you can't. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud.
What if your bid is greater than the insurance company's estimate?
Let us know. We can almost always work something out with the insurance company or with you by adjusting our bid to meet their allotment.
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 I file a claim with my Insurance company, will my rates go up?
Your Insurance company will not raise your rates if you file a claim based on natural occurrences. Although, if where you live is classified as a catastrophic area, The Insurance companies may increase your rates regardless if you file a claim or not.
My Insurance company denied replacing my roof. Do I have any other options?
Yes. You are entitled to a Re-Inspection once you choose a contractor who can work with your Insurance adjuster to re-evaluate the damages. You still have a good chance that your roof could be approved.
Why is this kind of damage covered by my Homeowners Insurance?
Hail and wind significantly decreases the life span of your roof, making your roof prone to leaks and other problems in the future. Your Insurance company will act first on these issues before they become bigger problems that result into bigger claims.
Will my Insurance company cancel my policy if I file a claim?
No. If your roof has any damage what-so-ever, you have a VALID Insurance claim and should file with your Insurance company.
How long will it take to replace my roof?
Our crews use the latest technology and exceptional team work, that most jobs are cleaned up and completed in one day!
Roofing Claims FAQ
We are only a phone call away