Q: Does Roof King have insurance? A: Absolutely. Roof King has general liability insurance and workers compensation insurance to protect you, the homeowner, and ourselves.
Q: Do I really need a contractor to meet with my insurance adjuster? A: Insurance adjusters work for insurance companies, not you. By having Roof King claims specialist present, we can ensure the adjuster recognizes all the pertinent storm damage. This helps ensure you receive the full protection provided to you by your insurance.
Q: Can I hire a cheap contractor and “pocket” some of the money from my claim? A: Not unless you want to commit insurance fraud, and in some states insurance fraud is a felony. Your insurance company will hold back money called depreciation, and if the depreciation is recoverable, they will require a signed contract and a final invoice for the exact amount of the insurance estimate. This means that they will pay for the signed contract and no more! It is illegal for an insured homeowner to profit from an insurance claim.
Q: Can I keep the money my insurance company has given me to make the repairs? A: Your insurance company has written an estimate based on damages that need repair. If the repairs are not completed, you have filed a false claim, thus committing insurance fraud. Furthermore, your mortgage holder has a vested interest in your home and will require all repairs to be made.
Q: How can I avoid paying the deductible? A: Legally you cannot. If you are having trouble paying your deductible, let us know. At Roof King, we will work with you to assist you in meeting this requirement.
Q: Do I need to get my roof replaced right away? A: Damage from a storm may not cause an immediate leak, but this is not a good reason to delay the necessary repairs. Many insurance companies have a statute of limitations on how long you can file a hail or wind damage claim. If you think you have storm damage, it is prudent to address the problems in a timely manner before more serious problems arise.
Q: My contractor said I have a storm damaged roof. Why did my insurance company deny my claim? A: Many insurance claims are denied when homeowners fail to have an experienced roofing contractor present during the evaluation. Most insurance companies allow one re-inspection. We know your time is important! That is why it is imperative to have Roof King claims specialist present to meet with the adjuster during the initial insurance inspection.