1Q. How do I know if I have hail damage? My Roof is not leaking.
A. In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be apparent and may not start leaking for some time. It is best to have your roof inspected to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.
2Q. The insurance company withheld depreciation on my roof? Will I get that money?
A. Yes. Most all home owner's policies cover full replacement value. The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with it's useful remaining life. the money that was withheld is called the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjuster's summary report.
3 Q. Why did the insurance company withhold depreciation?
A. There are two reasons that the insurance companies withhold some money back. The first reason is to make sure that you have the work completed. The second reason is that they wish to make sure that you pay your full deductible.
4Q. How can I avoid paying the deductible?
A. Legally, you can't. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please do not ask Pro Star Roofing and Restoration to do this.
5Q. On my paperwork, it looks like my insurance company has already deducted my deductible from the check they sent me?
A. When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the homeowner's deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor.
6 Q. The insurance is only paying for part of my roof, and my neighbor's insurance company paid for their entire roof; why is my insurance company only paying for part of my roof?
A. No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damage incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, if it is border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they are not able to walk on a steep roof and photograph certain areas. Pro Star Roofing and Restoration ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs and measurements.
7 Q. What if the required work is greater than the insurance company's estimate?
A. Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a "supplement" with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.