Will I be dropped by my insurer if I file a roofing insurance claim?

As claims related to weather damage are acts of God, your insurer can’t drop you because of them. However, you may face rate increases based on the number of filed claims in your area, even if you don’t file one yourself.

Am I required to pay the full amount or a portion up front?

A legitimate roofing contractor will typically not require any up front payments. The first payment is made when work begins on your project. As there have been scams involving rogue contractors taking money from customers and never performing any work, it is best to avoid making any up front payments.

Is it a good idea to request a re-inspection if my claim is denied?

Should your roofing insurance claim be denied after a professional roofing contractor has located damage you should request a re-inspection by your insurer’s adjuster.

Are there ways to lower my home insurance premiums?

When you have a roofing contractor install a Class 4 impact resistant roof, Texas insurance companies will offer you a discount that can vary between 20% to 30% of your annual premium. Raines Roofing & Construction are insurance claims specialist, do not hesitate to ask any questions regarding an insurance claim.

Can my roofing contractor waive my insurance deductible?

In short, no. However, some questionable roofing contractors might choose to structure their bid in a deceitful way. For example, you want to bid the job at $9,000 and the homeowner wants to accept that bid, that’s a legal way of doing business. If, on the other hand, you want to bid the job at $10,000 so the insurance company will cut a check based on that number and then “waive” the $1,000 deductible portion that comes out of the homeowner’s pocket, that is fraud. Learn more on this topic here.

How can I avoid solicitors?

After a hailstorm, many companies send solicitors door to door. This can be quite annoying to homeowners. At your convenience Raines Roofing can schedule a pressure free meeting with one of our experienced project managers. Per your request these meetings can be scheduled after normal business hours or you can contact our emergency 24 hour line 214-734-5482.

What does “depreciation” mean?

It refers to funds that are held by your insurance carrier until all roofing work has been completed. In the majority of cases, it can only be recovered if the last invoice amount meets or exceeds the estimate done by the insurer. Your policy type will also determine whether it is recoverable. Actual Cash Value (ACV) policies determine the depreciation amount based on how old the damaged items are.

Are there ways to save on my energy costs?

A qualified roofing contractor can help you make your home more energy efficient by installing a radiant barrier, which can reflect anywhere from 75% to 97% of radiant heat. Please refer to the following chart:

Which size hail is likely to cause roof damage?

There are various factors that will determine the extent of potential damage, such as the age of your roof, the duration of the hail storm and how much hail strikes your roof. In general hail that is 1/2” and smaller is unlikely to cause damage. 3/4” hail is able to damage older composition shingles as well as roll shingles. The majority of asphalt roofs will be damaged by 1” hail.

Questions to Ask Any Roofing Contractor BEFORE You Let Them on Your Roof

In Texas, there is no such thing as state licensing for roofers, and insurance is not required. Anyone can hang up a “shingle” and call themselves a roofing company. And when storms hit in North Texas, we see an influx of out-of-town roofers (“storm chasers”), who often leave town not long after the storms do. How can you determine, as a homeowner, if you’re hiring a legitimate, experienced roofer who will be around after the storm season? Here are some important questions that the North Texas Roofing Contractors Association (NTRCA) recommends asking about any roofing company you may be considering. Please use this list as an aid to ensure that the contractor you choose will be there to provide ethical and responsive service before, during AND AFTER your project is complete.

1. Are they in good standing with the Better Business Bureau?

2. Are they a member of a roofing association that holds its members to high standards, such as the North Texas Roofing Contractors Association (www.ntrca.com) the National Roofing Contractors Association (www.nrca.net,) the Roofing Contractors Association of Texas (www.rooftex.com) or the Midwest Roofing Contractors Association (www.mrca.org)?

3. How many years of experience do they have as a roofing contractor in North Texas?

4. Are they insured? What type of insurance coverage do they have and what and how much does it cover? Don’t hesitate to ask a roofing contractor for a certificate of insurance and make sure the coverage is in effect throughout your project. You don’t want to be liable for accidents that occur on your property (and you will be if the contractor is not properly insured)!

5. Who will supervise your roofing project? How much experience do they have? How can you contact that person?

6. Where is the roofing company located? Has your prospective contractor just come to town with the storms? Drive by and check out their business address. You probably don’t want to hire a roofer who is operating out of his pickup truck or temporary P.O. Box.

7. What is the roofing contractor’s warranty on labor? What is the manufacturer’s warranty? Get warranty information in writing. Consider how long your contractor has been in business and where they are located when looking at their labor warranty.

8. Do they have credit references? Ask for a list of local suppliers, and call them to ensure the roofing contractor is in good standing. You don’t want to be left footing the bill for roofing materials.

9. Do they have customer references they can provide? Get a list of previous customers and call them.

10. Will they give you a detailed, written proposal with complete descriptions of the work, start and completion dates and payment schedule?

11. Is the contractor going to obtain the appropriate municipal permits?

12. Are they asking for money upfront? End users should beware of paying before the job is complete. A partial payment for materials, however, after they have been delivered to your project location, is not unusual.

13. Which roofing manufacturers are they certified to install? You can go to the manufacturer’s website to see which roofing contractors are certified to install their roofing system.

14. Is the roofer offering to “take care of” or “eat” your insurance deductible? Talk directly to your insurance company to ensure that any “deal” is legitimate and not insurance fraud.

15. Are they claiming they are licensed? If so, where? Ask to see their license.

16. If the bid is significantly lower than their competitors, why? If it sounds too good to be true, it probably is. Price is only one consideration when selecting a roofing contractor. Make sure you don’t pay more later by hiring a contractor that is uninsured, performs substandard work and/or leaves North Texas shortly after the storms do. Also, a low price that is below other contractors’ costs is an indicator that the roofing materials being used may be stolen goods, a growing problem in North Texas that is a federal offense.

*Source https://www.ntrca.com/