Your home is the place that provides you and your family comfort, security, and a pleasant retreat to a personal oasis. We protect what matters most, including the integrity of your structure. Your home’s exterior is subject to wear and tear, storm degradation, and damage, and your roof is no exception.
It is not uncommon for insurance carriers to deny and approve many claims. However, as a policyholder, if a claim is denied and the damage does in fact exist there are several options to explore. If this has occurred to you, please call us immediately so we can help.
Homeowners’ insurance premiums are determined annually by insurance carriers that evaluate their risk by zip code each year. Filing a claim due to ‘an act of God’ (hail, wind, other storm events), does not cause a direct increase to a single homeowner’s insurance premium.
While shopping around and getting estimates is common for retail out-of-pocket projects, it is unnecessary for insurance-approved projects as the insurance carriers determine and provide a total fair market value estimate to be paid for your roofing contractor to complete the project.
Certifications such as National Roofing Contractors Association, GAF, and the Better Business Bureau are all good areas to start exploring reputable roofing contractors. Most importantly, working with a knowledgeable, transparent, and responsive contractor will go a long way toward making your roof project a success.
It is highly recommended that homeowners have their roofs inspected immediately after inclement weather, especially if high winds and hail occur. It is also encouraged to have your roof and roofing system regularly maintained, such as gutter cleaning and caulk and sealing exposures and flashings.
While a new roof installation process typically takes 1-3 days after materials are delivered, the insurance process can take several weeks or more for the insurance carrier to complete their assessment and approval.
Every homeowner’s insurance policy is different, but your insurance deductible is generally the only out-of-pocket cost for an insurance claim.
