Frequently Asked Questions

The insurance company will not re-insure your property if the scope of work is not completed.

• Meaning if the same area suffers damage later the insurance company will not authorize payment due to the item not being repaired on the last claim you filed with the insurance.

We partner with certified approved Windstorm Engineers in our communities to have them ensure are work is of the most quality and follows all windstorm codes should your property require windstorm coverage to continue your insurance coverage.

Throughout the process of your roof installation; a certified Windstorm Engineer will be inspecting our project to ensure all codes are being followed and everything is adhering to proper installation following manufacturer guidelines and meeting windstorm codes for Coastal areas where this certification maybe required.

Please make sure you get your WPI 8 Certificate for the final roof completion so you can send to your insurance to certify your roof has met the windstorm certification process to continue your coverage. Your project manager will explain the process and turn around time to get this paperwork to your insurance.

It is the total replacement of the item cost minus depreciation. The depreciation is based on age, wear, and tear.

The total price given to the amount that age and weathering have reduced the current market value of that item in most cases your roof. Most RCV (Replacement Cost Value) policies will hold a portion back from insured to verify the roof has been certified completed by a reputable contractor. Once that is verified a final payment of depreciation will be released. If you have an ACV (Actual Cash Value) policy your claim may be depreciated for today’s actual cash value price.

If you have a 30 year roof and your roof is currently 15 years old; they would depreciate it by 50%.

Have your agent help you file the claim. Many times, your agent can help you advocate for your damages, especially if your claim was denied.

It is illegal for your insurance premiums to increase because you file a claim especially if related to a natural disaster. Contact your insurance agent for specific guidance.

As your contractor; it is our job to ensure all of the scope of work is completed to the insurance findings; the paperwork will allow the contractor to certify all the work has been completed per their scope of work findings. Without the claim paperwork we can not submit the final paperwork to the insurance company to certify your work was done to ensure all work is completed. This is key to ensure all line items are addressed and completed; so if you ever do need to file another claim down the line you are properly insured

The insurance companies like to have leverage to make sure the work is completed. They are in the business to make sure your asset or the mortgage asset is protected, therefore; they require in most cases to get the second half of payment to be released after you have satisfied paying your deductible and paying your first part payment to your chosen contractor. After work is completed; that contractor will have to send in a certificate of completion invoice to the insurance “certifying” the work is completed per their scope of work and in turn will release the final balance of your claim to satisfy final payment to your contractor for their services.

To get full payment from your insurance company; your contractor will have to submit paperwork indicating that the deductible has been paid.

It is illegal for a contractor to waive your deductible in the State of Texas. You can personally be held liable for this along with your contractor. Please refer to Texas Department of Insurance for more information.

You and the contractor can be held liable for insurance fraud.

Effective September 1, 2019; Texas HB 2102: The new law creates a Class B Misdemeanor offense of 180 days in county jail and a fine up to $2000, for (1) a business who sells goods or services to provide such a good or service in such a prohibited manner (violating contractor), (2) an insured (policyholder) who commits an offense if the person in connection with a first party claim knowingly submits or allows a claim to be submitted in violation of subsection c. (the violation section directly above) unless the insured person promptly notifies the insurer of the violation.

We offer financing for all credit types from certified financial lenders. *Based on credit approval.

There are many factors, it could be your deductible amount, it could be much of the claim is being held by the insurance releasing funds; until the work is completed; it could be your ACV policy depreciated your damages due to the type of coverage you have. It could be because your insurance does not deem your damages covered. It could be they only feel you should have a repair versus a replacement.

Let us help you through the process to identify the WHY? We offer no obligation inspections to look at your property and help identify the why.

Yes, you can! You would just pay or finance the difference in price. We would still follow the insurance scope of work to ensure everything is properly addressed per their claim analysis as well to ensure you are still covered.

We always advise you contact your insurance company to verify if they offer any discounts. Some policies will allow a discount if you get your roof upgraded with Class 4 materials.

(Class 4 usually is considered an upgrade from your standard roof materials covered today by your insurance company.)

We offer workmanship warranties insuring you against poor installation: 2 Years- Residential Shingles and Metal Full Roof Replacement. Commercial varies please contact your project manager. Please speak with your project manager on material warranties bases on company you choose for your shingles or metal roof.