Usually, your insurance premium will not increase if the damage to your property was storm damage. However, the insurance company might raise the rates for everyone in your area for what they deem a “CAT'' or catastrophic event. So, if you have damage and do not file a claim, it’s possible your premium increase could pay for everyone else’s cost to fix their roof, but not yours.  However, you should always verify with your insurance carrier.

Typically, you have two years from the loss or from when you noticed the loss to your property. Check with your insurance carrier as some may have different terms than others. If you are unsure about the process of filing a claim, we will help you nail it down. We have years of experience working with insurance companies, filing claims, and getting our customers the best possible cost to install a new roof or make smaller repairs.

Your mortgage company requires you to have insurance on your home to protect their investment. Usually, if a claim is less than $10,000 and you are current on your mortgage, the mortgage company will sign the insurance check over to you to get the work done. However, when the claim exceeds $10,000 you will have to send certain documents to the mortgage company to have the funds released. Such documents could include a W9, contractor agreement, final completion documents, lien releases and any additional documents requested. Don’t worry, we have a complete office staff that handles all aspects of working with your mortgage company.

Yes, you could keep the ACV (Actual Cash Value) portion of the payment and not do the work. However, you should speak with your mortgage company first, and with your insurer. Your mortgage company may escrow the funds until the work is completed.

Also, your insurer may request that you complete the repairs to continue coverage. In addition, if your roof is damaged again the insurer will not pay for any previous damage. We have found that replacing the roof is usually in the best interest of the homeowner and all parties involved. Also, if the insurer depreciated the roof you will not receive the RCV (Replacement Cost Value) of the roof, which could be a substantial amount of funds, until the roof is replaced. Typically, homeowners have 180 days to complete the work from the time the insurer pays a claim, but always check with your insurance company first.

The average roof replacement takes one day. However, if additional damage is noted during the construction process, an additional day will be scheduled to complete your project. The longest part of the process is usually working with the insurance company to process and handle your claim, which usually takes 4-6 weeks from the start of the claim until you have all your paperwork in hand.

You are welcome to get as many estimates as you would like, so feel free to do whatever you need to find the best roof installation cost possible. You should know that most insurance estimates are created by specific software your insurer will use, and we will use, too. The most important part of the claim is reaching an agreement on the scope of damage and the work to be performed. It’s important to find a contractor you trust to work with the insurance industry. Also, make sure the contractor knows and understands the insurance claims process. For example, if additional damage is found, what needs to be done? Who pays? Who handles all these problems for you? We do.

We warranty all the materials in your new roof with the manufacturers’ warranties. In some cases, we also provide additional warranties because of our certifications with specific manufacturers. In other cases, our warranties may depend on the location of your property, so make sure to contact an Ask Solar Mike sales representative to find out how long your roof will be covered.

Ask Solar Mike offers top quality solutions of all kinds, including products made of recycled materials. We are committed to saving the environment, one roof at a time! We also offer our customers solar reflective and energy-efficient roofing materials. If it’s within your project’s budget, we will install it no questions asked.

We offer a free, no-obligation inspection of your roof by trained professionals to determine the scope of the damage. Why? Because establishing transparency and trust from the beginning is everything. Our team is careful to account for every bit of damage to ensure you receive a fair and honest roof installation costestimate. Then, we will assist you throughout the entire process and guarantee that the quality of our work always matches the quote we provide. Our clients are our top priority. Contact Ask Solar Mike today for your free roofing estimate.