FAQ’s

Q?I have recently filed a claim on my homeowner’s policy for wind/hail damage? How will this affect my rates?
A.

Your rates should not be affected by a wind or hail claim. Wind and hail storms are considered “acts of God” for which you have no control so your policy should not be affected on an individual basis. However, sometimes an insurance company will raise rates for an entire area that was largely affected by heavy storms.  So your personal rates may change since you live in a certain area. However, filing your individual claim should have no effect on your rates at all.

Q?My insurance company told me to get 3 estimates for the roofing work. Do I have to do this?
A.

In a word, no.  You’re entitled to use the roofing contractor of your choice as long as their price is in line with industry standards.  Most roofing contractors and insurance companies use the same pricing software to avoid any haggling or price gouging. So don’t feel as though you need to use the cheapest roofer to work within your insurance allowance.

Insurers want homeowners to shop for the lowest price for an obvious reason … to save the insurance company money. You do not get to keep the difference if you find a contractor who will do the work below your insurance estimate.  So never endanger the value of your home by using the low bidder to replace your roof.

Q?My roof is very old. My insurance won’t possibly pay enough to replace it, will they?
A.

Most insurance policies are written for replacement cost. Old roofs are just as insured as new roofs. In fact, the older your roof is, the more susceptible it is to damage.

Q?Who should be meeting with the Adjuster?
A.

The homeowner should be at the home during the adjustment.  Also, it’s proven to be helpful to have the contractor there also to have another set of eyes with professional experience looking out for your best interest.  The Texas Department of Insurance recommends that your roofing contractor be at your home when your insurance adjuster arrives to inspect your property for damage. Adjusters are busy and may inadvertently miss something or overlook an important aspect of your claim.

Q?Should I call my insurance company before I call a roofing company?
A.

No.  It’s wise to have us take a look at your roof first so we can make sure your roof is eligible for a claim before you call your insurance company.  If there is damage, we’ll also be happy to meet your insurance adjuster and make sure the specifications of your claim are correct.

Q?Can I put money in my pocket from a getting a cheaper roof estimate?
A.

No. Getting a cheaper roofing estimate won’t put money in your pocket. Your insurance company won’t release all of your money until the job is done, and they get a final invoice from your roofing company. Your insurance company will retain any of the money saved; it will not be dispersed to the homeowner.

For example, if you go with an estimate for $2,000 less than the “Replacement Cost Value” that your insurance company says your roof is worth, then the insurance company will simply pay you $2,000 less in the final check they send you (after your roof is replaced).  Accordingly, finding the lowest price only gets you a cheaper job. If you choose a roofing company who charges less than “Replacement Cost Value” (as defined in your insurance estimate), you may be setting yourself up to get inferior materials, poor workmanship, and lack of service after the sale. Your insurance company keeps the savings!

Q?Why did my insurance company deduct some money for “depreciation”?
A.

“Depreciation” represents the amount of money the insurance company holds back until your roof is replaced.  Once your roof is replaced you will receive another check for the amount they held back.

Q?Why would my insurance company replace my roof?
A.

Homeowner’s insurance is in place to protect the homeowner against a loss in property value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss. Your insurance company will compensate you for your loss and replace your roof.

Q?When my roof experiences hail damage should I have my roof replaced right away or can I wait?
A.

Hail damage may not pose any immediate structural issues on the roof. However, many insurance companies have a “statute of limitations” dictating how long you have to process a claim. It is also important to take care of the hail damage right away before it leads to any additional problems.

Q?What does hail damage do to a roof?
A.

Hail damage to a roof causes the acceleration of granule loss. Shingles are designed so that the granules block UV rays from the sun and protect the asphalt underlayment. As shingles age the granules fall off over time and then the asphalt is exposed and begins to dry out and the shingles become brittle.  Hail damage accelerates the roof shingle aging process and can also cause leaks and other problems.  This damage can also void the manufacturer’s warranties.

Q?How do I know if I have hail damage to my roof?
A.

If you’ve had hail in your area you will need a roof inspection to determine whether or not there is damage. You cannot usually tell from looking at the roof from the ground.