Frequently asked questions we're asked about roofing and insurance claims.
Insurance companies pay to replace your storm damaged roof because they acknowledge that the integrity of the shingle was damaged enough to assume there will likely be problems in the future. Even if you have no current leaks or issues. In this sense, they are proactive, as to save them from a larger claim in the future when/if the roof failed.
This is a good question: If you plan on mounting your roof with the inspectors and know insurance jargon as well as the full terms of your homeowners policy and what your entitled, you may not need help! However for most people, it’s simply a good idea to hire someone who knows what your insurance company is looking for as well as what you’re entitled. In many cases, your insurance company is not the one inspecting your property. They hire a 3rd party inspector to perform their inspections, take pictures and give their opinions! We are your advocate on your roof making sure nothing goes unaccounted for and that all areas are properly photographed. Your insurance company doesn’t always want to pay 10k-15k for your new roof and needs to hear why this justified. This is the value we bring.
In many situations you don’t have to! Even if your insurance company denies your claim, you have 1 year from the date you filed to request a second opinion. This process can be very subjective, so Homeowners are entitled to a second opinion if they feel their property did not receive the time and attention it deserved for an unbiased inspection.
Absolutely! Upgrade options are always available. We offer a wide variety of shingle styles and colors. Speak with your roof medic representative to discuss your options.
If you had a different insurance provider when the last storm hit then you do right now, then you would pursue a claim against the insurance provider you had when the storm happened.
Ex: You had Geico insurance when it hailed on May 21, 2019. You switched to Allstate on March 2, 2020. If that hail storm was the last to hit your home then you would pursue a claim against Geico, as they were the ones who insured the property at the time of the storm.
Most architectural roofs that are well maintained will last on average around 25- 30 years!
We try to accomodate all things required to make this process painless for the homeowner. With that being said, you do have a few responsibilities, such as;
- Ensuring any loose objects on mantles or in china cabinets are secure.
- Any paintings, portraits, china or mirrors that are on the wall and not secure should be taken down.
- If you plan on leaving your house, park your car on the street the night before.
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