Residential FAQ

Will my insurance company raise my rates if I file a claim?

Although they cannot cancel your policy, they may raise your rates after you’ve filed a claim, but if there’s been a storm that affected many people who filed claims, they may raise everybody’s rates.  Your insurance company allows you more to pay for roof restoration than you would if you tried to pay out of pocket, so why not use your insurance.  Isn’t that why you have it in the first place?

Should I have an inspector there when the adjuster does their inspection?

Yes.  By law, you may have someone there during the adjuster’s inspection to represent you and make sure that nothing is overlooked.

If there’s no leak, could I still have damage from the storm?

Yes.  There could be loose shingles or holes that aren’t causing leaks yet.

Do I need to get more than one estimate?

No.  Your insurance company has a list of fair market prices for materials and work.  Pick a roofing contractor that you know will handle the job with honesty and integrity and will do the job right the first time.

My insurance company denied my claim.  Now what do I do?

Call us!  We’re experienced with working with insurance companies and may be able to find something that the adjuster overlooked and we may be able to get the decision overturned.

If there’s money leftover after the repairs, can I keep it?

No.  Anything leftover goes back to the insurance company as is the law.  It is considered insurance fraud and could result in 10 years in prison.

Can you waive my deductible?

No.  If you find a roofer that will waive your deductible, it means they’re rolling it into the cost of the repairs and charging the insurance company which is against the law and your insurance company will surely notice it.  

Should I get my roof repaired immediately.

Yes.  Some insurance companies may allow up to a year to file a claim and get it repaired, but you should check with your insurance company.  Waiting will only result in further damages.