Costs & Insurance
How much does a new roof cost?
- This completely depends on the architecture of your home (e.g., single story, two story, steep roof, flat roof, etc.) and the quality of shingles you are wanting or needing.
How bad does the damage have to be to file a claim?
- Each insurance company is different, but most insurance companies want 8-12 “hail hits” in a 100 sq. ft. section. Three out of the four slopes (sides of house) need to meet their criteria in order for the roof to qualify for a full replacement.
Should I call you or the insurance company first?
- It is best to call a qualified roofing company first to verify whether or not you need to call your insurance and file a claim. Some insurance companies will tell you to call a roofer before they send out an adjuster.
Who needs to meet with the adjuster?
- This is totally up to the homeowner (policyholder). It is best to have your roofer meet the adjuster so that everyone is on the same page when it comes to the scope of repairs needed from the storm.
Does my insurance pay the contractor directly?
- No. The insurance will pay the policyholder (homeowner) and it is the responsibility of the policyholder to pay their contracted roofing company.
Will my rates go up if I file a claim?
- Individually, no. As a whole, sometimes insurance rates go up because of total loss in the area. Storm-related damages are under our “wind/hail” portion of our Owner’s Policy. Insurance companies understand that storm-related damages are completely out of your control, which is why the insurance company cannot hold the policyholder responsible, and raise their rates for filing a storm-related claim.
What if I have damage but do not file a claim?
- It is the responsibility of the policyholder (homeowner) to file a claim. If the policyholder chooses not to file a claim, they could be held responsible for further damages caused by not repairing their roof. Nobody wants to file a claim, but we have insurance for a reason.
My insurance company has a preferred contractor. Do I have to use them?
- No. You have the right to hire whomever you choose. The main objective is to hire someone that is reputable and that you feel extremely comfortable and confident with. Your roof/home is a major investment, and you need to hire someone who respects this.
Storm & Hail Damage
How do I know if I have hail damage to my roof?
- The best way to know if you have hail damage to your roof is to have it inspected by a qualified roofing company. Hail damage is caused when the hailstone removes the granules from the shingles and dents the metal vents on the top of your roof.
What if you find additional damage while replacing the roof?
- If it is storm-related, we will take pictures and call the insurance company immediately to inform them that there are more storm-related damages and a supplement to the insurance will be submitted. All supplements must be approved by the insurance company before proceeding.
Time Frame & Warranty
How long does installing a new roof take?
- This depends on the size and the steepness of the roof. On average, most residential homes take 1-2 days to be completed.
What if my new roof leaks? Then what?
- Hopefully this doesn’t happen, but if it does, call your roofer immediately! This is an extremely important aspect in hiring a roofing company. If you hire a fly-by-night company, they most likely have already left our area and have changed their contact information. A roofing company that has integrity and loyalty will come out immediately and assess the cause of the leak. If the cause of the leak is from the new roof, they should repair it immediately.