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HOURS: Monday - Friday 8:00AM - 5:00PM

HOURS: Monday - Friday 8:00AM - 5:00PM

Aeriel photo of house roof

FAQs


Homeowner FAQ 

We realize you likely have some questions as the insurance restoration process can be difficult when one doesn't understand insurance lingo. Some of our most frequently asked questions include:


Insurance Claim FAQs

How do I know if I have storm damage to my roof?

Just because your neighbors have encountered hail or wind damage doesn't necessarily mean your home has. For peace of mind, you can contact us to schedule a roof inspection after the storm. Some issues may be obvious while others are underlying and can cause long-term problems.


Do homeowner's insurance rates go up after a claim? 

One thing to remember is that homeowner's insurance is very different from an auto policy. Auto insurance wants to encourage safe driving by lowering your rates for accumulating no tickets or raising them after accidents. It's not like you caused the storm so your homeowner's premiums are typically not affected by making a storm damage claim also known as (Act Of God) claim type.


How much money will I get for my roof?

This is where the insurance adjuster can clarify a few things about your settlement. Your roof might have cost $20,000 to install, but that's the value moving forward only on day one. Every year your roof depreciates so a roof with 30 year rated shingles may be depreciated to $10,000 by the time it is 15 years old. Depending on your policy you may be able to recover the depreciated amount after the repairs are completed.


What if the adjuster doesn't find any damage?

You might not be happy with what your adjuster claims as damaged or not damaged. If this happens to be the case, we would be happy to inspect the property to give you a professional opinion on whether it may be in your interest to pursue a re-evaluation of the claim by the insurance company.  


Will I have to pay anything out of my pocket?

The cost to the homeowner for insurance settlements is always 'deductible plus betterment'. Deductible is pretty self-explanatory but if you want to replace a shingle roof with a metal roof for example, the additional cost to upgrade the roof is on the homeowner.


We would be happy to discuss your options and help shed more light on the ins and outs of the insurance process!

Homeowner FAQ

We realize you likely have some questions as the insurance restoration process can be difficult when one doesn't understand insurance lingo. Some of our most frequently asked questions include:


Insurance Claim FAQs

How do I know if I have storm damage to my roof?

Just because your neighbors have encountered hail or wind damage doesn't necessarily mean your home has. For peace of mind, you can contact us to schedule a roof inspection after the storm. Some issues may be obvious while others are underlying and can cause long-term problems.


Do homeowner's insurance rates go up after a claim? 

One thing to remember is that homeowner's insurance is very different from an auto policy. Auto insurance wants to encourage safe driving by lowering your rates for accumulating no tickets or raising them after accidents. It's not like you caused the storm so your homeowner's premiums are typically not affected by making a storm damage claim also known as (Act Of God) claim type.


How much money will I get for my roof?

This is where the insurance adjuster can clarify a few things about your settlement. Your roof might have cost $20,000 to install, but that's the value moving forward only on day one. Every year your roof depreciates so a roof with 30 year rated shingles may be depreciated to $10,000 by the time it is 15 years old. Depending on your policy you may be able to recover the depreciated amount after the repairs are completed.


What if the adjuster doesn't find any damage?

You might not be happy with what your adjuster claims as damaged or not damaged. If this happens to be the case, we would be happy to inspect the property to give you a professional opinion on whether it may be in your interest to pursue a re-evaluation of the claim by the insurance company.  


Will I have to pay anything out of my pocket?

The cost to the homeowner for insurance settlements is always 'deductible plus betterment'. Deductible is pretty self-explanatory but if you want to replace a shingle roof with a metal roof for example, the additional cost to upgrade the roof is on the homeowner.


We would be happy to discuss your options and help shed more light on the ins and outs of the insurance process!

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