Will My Homeowners Insurance Pay For A New Roof And Cover Other Damage To My Home?
At Roofing Force, we help make the storm damage recovery process easy for you. Whether it is hail, wind or fallen tree damage, if your home sustained storm damage, then your homeowners insurance company should pay for the repair or replacement of your roof, siding, windows, gutters and interior damage (including material and labor costs), after you pay your deductible. The storm damage experts at Roofing Force will conduct an in-depth roof and home inspection. If we find storm damage, then you can submit a claim to your insurance company. Schedule a free storm damage assessment and Roofing Force will work to make you whole.
How Do I Know If I Have Roof Damage?
Roof damage often cannot be seen from the ground. Schedule a free storm damage assessment and our experts will determine if you have damage. We will also examine the rest of your home to identify other storm related damage to siding, gutters, windows, etc.
Do I Want The Cheapest Bid?
The idea that you should get the cheapest bid is a common fallacy when filing an insurance claim. In reality, most insurance carriers, public adjusters, and attorneys use a third-party pricing program called Xactimate to determine the replacement cost of your roof and other storm damaged parts of your home. Insurance companies are motivated to pay as little as possible, and they are happy when a homeowner chooses the lowest bid because it only saves the insurance company money. You do not get to pocket the difference between what the insurance company should have paid to get everything fixed and what the contractor actually charged. Thus, you should select a contractor that is trained in the use of Xactimate, will be an advocate for you, identify all damaged items, do the best work, and stand behind their installation with a 10 Workmanship Warranty like Roofing Force does (note that most contractors only offer a 1 year warranty).
In-House Home Restoration Specialists Vs Storm Chasers
Roofing Force's in-house Home Restoration Specialists are former Insurance Adjusters or Xactimate experts, and they know the ins and outs of the insurance process. Insurance companies are motivated to pay out as little as possible when you file an insurance claim. Our Restoration Specialists will review your claim and work to identify anything that may have been missed. Most roofing companies, including out-of-town "Storm Chasers", do not have our level of expertise. These Storm Chasers are in the game to make a quick buck and may leave you with incomplete repairs, unnecessary personal expenses, or invalid or worthless warranties. By choosing Roofing Force, you can rest assured that things will be done correctly and all of your insurance claim needs will be taken care of (including roofing, gutters, siding, windows and interior damage work, etc.). We will still be here after the storm chasers are gone.
Use This Opportunity To Upgrade Your Roof
If you are recovering from storm damage, then this may be a great opportunity for you to upgrade the type of roof you put on your home at a much lower cost than doing it all on your own. Roofing Force is one of the nation's largest installers of stone coated steel roofing - a lifetime roofing material that may reduce your insurance costs and offer you peace of mind by providing superior protection against nature's harshest elements. We also offer a full range of composite, concrete and other metal roofing products that will provide your home with better protection, looks and resale value than traditional asphalt shingles.
Don't Commit Insurance Fraud With A Contractor That Says They Will Waive Your Deductible
When filing a homeowner's insurance claim for storm damage, you are required to pay a deductible before the insurance company will cover any other costs (similar to how you must meet your health insurance deductible before your health insurance company pays out). Some "Storm Chasers" and other unethical contractors will make promises such as: "We will waive your deductible," "Get a free roof," or "No out-of-pocket expenses." Acting on these statements is almost always illegal. The only way a fraudulent roofer can follow through with these false promises is by billing the insurance company for more than they actually collect. When this occurs, both the homeowner and the roofing company may be held liable for fraud. Furthermore, if a contractor is willing to defraud an insurance company, then what other corners might they be willing to cut when installing your roof or "fixing" your other damage? Putting a customer at risk for fraud, is something that Roofing Force would never do.
Will My Premiums Go Up Because I Filed A Claim?
Possibly, but it depends on your carrier, location and other factors. In many cases, your insurance premiums should not go up for filing a claim because storm damage is not your fault. However, if there have been a lot of storms in your area, then your policy may increase regardless of whether or not you filed a claim.
On the up-side, if you choose to upgrade to a longer lasting, more energy efficient roof such as stone coated steel, then your insurance premiums may actually go down because the insurance carrier has a lower risk of having to pay out in the future. You should ask your carrier for a discount if you upgrade to a longer lasting or more energy efficient roof.
If you decide to upgrade your roof, or if insurance does not pay for all of your repairs or roof replacement, then we offer financing for your out-of-pocket expenses. Talk to one of our Roofing Specialists for more information regarding financing.