Frequently Asked Questions

Got questions? We’ve got answers.

Frequently Asked Questions

An insurance claim is a formal submission made by the policyholder to the insurance company to request compensation or coverage for loss or damage covered by the policy.

The policyholder is the individual or entity that owns an insurance policy and is entitled to the benefits and coverage it provides.

You are protected by the “Act of God Law,” which means your insurance company is now allowed to raise your rates or try to drop you because you decided to file a claim against storm damage (there was nothing you could have done to prevent damage from happening to your property).

It is not about the age of your roof. It is more about the amount of damage that may be on your roof. The older your roof is, the more likely it is due to age and damage.

We do a different kind of inspection. Your insurance company comes out just to make sure that the roof is in overall good condition, good enough to insure. We specialize in storm assessments to see if the recent storms may have affected your roof.

We completely understand you would rather fix it yourself to save money. However, before you patch it, would it not make more sense to see if you have enough damage worth getting your insurance company out here? If they feel like there is enough damage, you can get a total roof replacement for the price of your deductible.

It is not about the size of the hail, it is more about the amount of damage it may have caused to your roof. If it is consistent with the damage we have been finding in the area, you may qualify for a brand-new roof paid for by the insurance company.

Replacement Cost Value (RCV) is the expense to replace or repair an insured item with a new or equivalent one, without accounting for depreciation.

 


The deductible is the amount the policyholder must pay out of pocket before the insurance company starts covering the remaining costs of a claim.

We completely understand, and we are glad you do not have any leaks YET. However, if you do happen to have signs of storm damage up there, it could lead to some interior damage down the road, and that is what we do not want to happen.

We are glad to hear the storm wasn’t that bad, but some people were not as fortunate and you may be right, you might not have any damage. As a courtesy to the community, we survey the neighborhood and offer free inspections. If you do end up having any damage, we will walk you through the necessary steps to get it replaced and get the insurance company to cover it!

A claim is a formal request by the policyholder to the insurance company for compensation or coverage for a loss or damage covered by the policy.

The coverage limit is the maximum amount an insurance policy will pay for a covered loss, as stated in the policy terms.

Underwriting is the process where an insurance company assesses an applicant’s risk profile to set the premium and coverage terms for a policy.

Exclusions are specific events or circumstances not covered by an insurance policy, where the insurance company will not provide compensation.

Policy limits refer to the maximum amount an insurance company will pay for a covered loss under a specific policy. This limit is set forth in the terms of the policy and defines the insurer’s maximum liability.