Yes! You should report all roof damage right away. The longer you wait to report the damage, the greater the risk of leaks and extensive damage to your home. Call (888) 272-4011 to schedule a free roof damage inspection. One of our Storm Damage Experts will determine if the damage is extensive enough to warrant roof replacement.
If you are standing on the ground looking up, you may not be able to see some types of roof damage. Even if your shingles are still on the roof, they may have significant damage caused by hail and heavy winds. Our residential roofing contractors have no desire to waste your time. If one of our claims managers says you have roof damage, there is damage.
There are several reasons an insurance company might want you to get an estimate before filing a claim for roof damage. First, the company may want an experienced roofing contractor to determine if the damage was caused by a storm. If the damage was caused by normal wear and tear, your insurance company is likely to deny your claim. Second, the company needs to know the extent of the roof damage. Insurers use sophisticated computer programs to determine the fair market value for the labor and materials needed for roof replacement. Therefore, there is no need to price shop if you plan to pay for roof replacement with money from an insurance settlement. You should focus on looking for residential roofing contractors who do quality work.
In most states, it is against the law for insurance companies to raise the rates of a policyholder who files a claim for roof damage caused by an “Act of God.” However, insurance companies are allowed to classify certain areas as having a high potential for loss. If your insurer classifies your area this way, the rates of everyone in your neighborhood may increase.
No! You have a limited amount of time to report roof damage to your homeowner’s insurance company. If you wait too long, the insurance company doesn’t have to pay for roof replacement. Report all roof damage right away to ensure you don’t have to pay for roofing work out of your own pocket.
There’s no catch! All we ask is that you let us complete your roof replacement project after we work with your insurance company. Our roofing contractors will give you a brand-new roof that looks great and protects your home from the elements.
You are not required to have a roofing contractor meet with your insurance adjuster. However, it can be helpful for a professional roofer to meet with the adjuster and make sure nothing is overlooked. Adjusters are not roofing professionals, so they sometimes make mistakes when determining the fair market value of roof replacement projects.
If you are using your homeowner’s insurance to pay for roof replacement, we won’t haggle over the price with your insurance adjuster. Insurance companies pay fair market value for roof replacement labor and materials. As long as your insurance company gives you a fair settlement, we’ll replace your roof for the exact amount awarded.