How does a claim work? And does it raise my rates?
A claim is the same as using health insurance. You pay every month to protect your home in the event of weather, fire, flood etc. Just like you keep insurance in the event you are sick and need to go to the doctor. Home owner's insurance is no different. When you call and make a claim you will need to tell them a date of approximately the last storm, and what you think is wrong such as your roof has damage etc.. which we will help you assess. We take over from there meeting with the adjuster to make sure all the damage to your home is properly evaluated. Once you get a check we pick it up and show you the work scope, and build you a new roof.
An individual claim does not directly raise your insurance. However, because there are storms and damage that happen the insurance companies have gotten smarter and raise everyone's rates in an area whether they make a claim or not. So you are going to have a rise in rates after bad storms regardless. It is just a matter of having a new roof out of it or paying higher rates without a new roof.
When do you give me an estimate or a bid to do the work?
The beauty of this whole process is we actually don't and you don't have to search or find any bids or worry about dealing with any shady people or multiple contractors because we handle it all for you and the insurance company sets all the prices. We fix exactly what they tell us to for the price they agree to pay for it. The only thing we would ever quote is if you wanted to upgrade or fix something that was not covered by your insurance company.
The reason your insurance company will telll you to get mulitple bids is not because they hope you find the cheapest price and make money off the claim yourself. It is so that they hope you find a low price and save them some money so they don't have to pay as much as they have estimated on the claim. Don't be fooled into thinking the insurance guys have your best interest in mind. They like to save themselves money every chance they get.
If you are cutting costs does that not mean it will effect the quality of the work?
We do not overlook even a single safety or construction code. Just because our price is low does not mean we compromise the quality. We use the best material in the industry.
Do you carry insurance?
Yes, we are fully insured and bonded. Our insurance policy is 2 million dollars.
How does the process work with the insurance company?
We work with you, we call the insurance company for claim number, and set a date and time for the adjuster to inspect your roof. We work with the adjuster to get you the best deal. We make sure every damage is looked at
How long does your crew take to fix my roof on the day the roof has to be fixed?
The roof is done the same day, a crew of 8 to 14 will come in the morning, and be gone by 4 pm. (Some companies take a week)
So, let me get this straight, the homeowner has no out of pocket expense?
Please read this
Do you provide any warranty for you work and for how long?
We give a warrenty of 15 years of craftmenship, the industry standard is 2 years. However, since we use the best material from companies like GAF and ELK,. In addition to that, we have a very experienced crew. So, with the best materials, and the best crew, we have the confidence to stand by our work.