Homeowner FAQ's

When a roofing professional conveys a strong knowledge of insurance claims process he/she can install confidence in the homeowner by ensuring a more complete payout and proper restoration.

Here are some popular homeowner questions during the claim process-

Question 1 - What should my first steps be? 

If your home has been damaged or destroyed you are likely to feel overwhelmed by the loss and by the repair, replace and recovery process that lies ahead. If your property was insured, that insurance policy is the best vehicle to get you back home. If this is your first experience with a large insurance claim, recognize that it's basically a business negotiation. When it comes to insurance lingo, laws and construction estimating . . . you're not on a level playing field with the experienced insurance company. But although you may be unfamiliar with your policy and the process in general, there are laws and rules that give you rights. Use them to negotiate and recover the full benefits you're entitled to under the policy you paid for.

Question 2 - Will you cover my deductible? 

No, we will not cover your deductible. Roofing contractors who say they will cover the deductible are committing insurance fraud. We pride ourselves in being honest and fair with all of our customers and therefore we do not compromise on our ethics. 

Question 3 - Do I need bids from other contractors? 

No, you do not need to get more than one estimate. As the homeowner you can choose the contractor you want to do the repairs. Your insurance company may suggest to get more than one estimate. However, if you get multiple estimates your insurance company will most likely go with the cheapest estimate and not the best quality option. 

Question 4 - How can I get a fair settlement? 

If you're like most people, your home is your biggest asset. Insurance companies often read their policies with a bias that is too much in their own favor. Don't accept an insurance company's calculation of what they owe on your claim without getting other options. 

Question 5 - Do you follow price guidelines?

The insurance company will only pay according to its "pricing guidelines" but they don't match what local contractors are charging - what can I do? Computers don't repair and build homes . . . licensed contractors do. Your insurance company owes you for what an experience and reputable contractor would charge you to do the required work to put your home back to its pre-loss condition. Insurance companies use guideline pricing and "Xactimate" (computerized home replacement cost estimating software) to predict how much materials and labor should cost. Whereas an estimate prepared by a qualified local, licensed and bonded contractor who has visited the loss site and reviewed information about the pre-loss structure is generally the most reliable basis for a claim settlement.