claimsDo I need three bids like my adjuster said?
Our published answer is no: we work directly with the adjuster and write to the carrier's own software, so the scope and the funds line up with a full replacement instead of the lowest napkin number.
claimsMy insurance check is made out to my mortgage company. Can you help?
Yes. Managing mortgage-fund releases is one of our published services, and by our own count we have helped homeowners get funds released hundreds of times. Philip D.'s testimonial is exactly this case.
claimsIf a roofer helps me get my claim approved, do I owe them the job?
Our position, published on our own site: the contractor who fought the approval has already sunk real cost into reports, photos and carrier correspondence, the approved scope was written around their plan, and splitting the job risks the depreciation release at the end. Our advice is to have that contractor under contract for the work.
claimsMy claim was denied or came back low. Is that the end?
No. You can ask the carrier to send another inspector, and we recommend having a contractor present for the re-inspection to speak to the damage. Old claims are not automatically dead either: by our account most claims stay workable for two to three years past the storm date, and we have revived older ones.
processShould I patch things up myself right after a storm?
Call the carrier first. Our warning: a carrier can approve a short-term tarp or board-up, but DIY repairs made before that call can shrink or void the claim. If you must act, photograph everything before and after.
companyDo you install the roofs yourselves?
No, and we say so plainly: installation is done by crews that have put on thousands of roofs, while we run the project, the inspections and the claim, with oversight on site through the whole job.
roofingWhere do your materials come from?
Professional roofing supply houses. Our own answer names ABC Supply in Sioux Falls and Beacon. Supply-house stock, ordered per job.
roofingWhat does a complete roof replacement include?
Everything off, down to the bare wood deck: shingles, underlayment, metals, flashings, pipe boots and vents. Then every part goes back new. Our words: no shortcuts, including the metals.
roofingWhy do you push impact-resistant shingles so hard?
Our published case: we have never had to replace an impact-resistant shingle, carriers commonly discount premiums for IR4-class roofs, and the price step over standard shingles is small. Our own caveat is printed right beside it: no shingle is hail proof.
financingDoes my credit have to be above 700 for financing?
Our published answer, word for word: 'No, I believe it is 640 and above for your score, call for details to be sure.'
financingCan financing stack on top of claim funds?
Yes. Our answer: most of our customers use financing to upgrade past what the carrier pays for, since insurance pays like for like.
processWhen do I actually pay?
On our published structure: the ACV check plus your deductible on install day, then the balance only after the claim settles and the funds release. On straight bids with no claim, half down to order materials and half on install day. Confirm the current terms with us directly.
Half of these questions are really one question: how does the claim actually work? That one has its own page, walked chapter by chapter.
THE CLAIM, CHAPTEREDONE QUESTION LEFT
The one answer no page can give is what your own roof looks like after the storm. That look is free, and what comes back is a straight read on the damage.