The cost of your roof depends on the materials you select, the time of year, whether your roof is up to code or not, and the roofing system you choose (good, better, best).

If your roof has enough storm damage to qualify for a full replacement, it’s nearly always best to file an insurance claim. Your insurer will pay for the project, minus your deductible, so you don’t have to pay for it out of pocket.

Think of your insurance premiums as a safety account for when you experience storm damage. The sooner you react after a storm the more likely the insurance company will be willing to pay for the damage so you don’t have to foot the bill.

Generally speaking, a customer’s only responsibility is the deductible (if they choose to have all of the work completed on the insurance estimate). It’s similar to when you file a claim for auto damage — the insurance pays everything but the deductible.

If the customer doesn’t choose to have all of the work completed on the insurance estimate, then the customer is only responsible for paying the small portion of the deductible it takes to get to the RCV (Replacement Cost Value) of the work/or trades being completed by the contractor.

Your homeowner’s insurance carrier can’t penalize you for filing a claim. However, they will raise the rates for all customers in a certain area after a storm, whether they file a claim or not. They have to recover the deficit they lost in the area after a storm, which means that even if you DON’T file a claim for repairs, your rate will still go up.

We recommend having your roof inspected after a storm and filing a claim right away if there’s damage. If you wait too long, the damage could get worse or the insurance company could deny your claim.

No, we will not cover your deductible. We also don’t recommend working with a roofer who says that they will pay your deductible. Usually, if they cover your deductible it means they’re cutting corners elsewhere so they can still make a profit. It may mean they’re using lower-quality materials or cutting corners by working faster and carelessly.

You wouldn’t expect your doctor or your car insurance company to pay your deductible, so you should be wary of contractors who make such an offer.

Class 4 shingles may:

• Eliminate the need for, or reduce the frequency of, roof repairs

• Extend the lifespan of your roof

• Save you money on homeowner’s insurance.

• Prevent your insurance and deductible from increasing at renewal time

The process varies from claim to claim. In most cases, it can take anywhere from 3 weeks to 2 months depending on how much damage there is and the insurance company’s response time.

Once the insurance claim is finalized, it usually only takes our team 1 - 2 days to complete the work, depending on the size of the project.