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.