Your Deductible unless the project specifications are changed or if costs for outsourced services change before the contract is executed. Ex: You want your siding painted. Your insurance will not pitch in for that, therefore this becomes an out-of-pocket expense. (Btw, a few paint touches go long ways after a new roof has been set in place.).

Damage over the years and hailstorms are components that a complimentary inspection can help you assess professionally. We will provide you informational options relevant to your roof’s condition.

A roof tune-up or an out-of-pocket roof replacement are your two next options. A roof tune-up can consist of priming and sealing all roof penetrations and gaskets, up to replacing rotted decking or pipes that have been completely compromised. For estimates, I complimentary inspection is required.

Yes, it might by default, whether you replace your roof or not, due to the heavy traffic of roof replacements in your area. But if you replace your roof, you can call your insurance for a reassessment that can actually help reduce your premium now being that you are a lesser liability.

A. Know that there are no penalties for filing a claim. Hail is classified as an "Act of God", therefore insurance companies cannot penalize their clients. B. You have a year from date of loss to file a claim, and 6 months to fulfill your claim if it was approved. C. Your utmost responsibility will be your deductible.

i. Accept our complimentary inspection. We will educate you with information relevant to your roof’s condition ii. Call and file a claim. An adjuster from your insurance provider will be assigned to inspect your home for qualifying damage iii. Call us with specifications of the date and time the adjuster will arrive. We will represent your best interests upon the claim approval process

Requesting a second adjuster meeting would be the next best step. If roofs are being replaced in your area, high chances are that the adjuster missed the damage and has documented only a portion for your insurance provider. This can work against you in the years ahead since old hail damage does not qualify in their assessment.