Question 1

Should I call my insurance company first?

Accepted Answer

We recommend contacting us first for a free professional inspection. We can confirm if there is enough damage to warrant a claim, potentially saving you from filing a "zero-pay" claim that stays on your record.

Question 2

Will filing a claim raise my rates?

Accepted Answer

Generally, homeowner insurance rates do not go up for "Act of God" claims like wind or hail damage, as it is not your fault. However, rates are determined by region and carrier, so it varies.

Question 3

How long does the insurance process take?

Accepted Answer

The timeline varies by carrier, but most claims are settled within 2-4 weeks. Once approved, we can typically schedule your roof replacement within 1-2 weeks.

Question 4

What if my claim is denied?

Accepted Answer

Don't give up. Claims are often denied due to a lack of documentation or an inexperienced adjuster. We can help you file for a re-inspection and provide the technical evidence needed to get it overturned.

Question 5

Do I have to pay anything upfront?

Accepted Answer

We typically do not require a deposit for insurance jobs until the materials are delivered or the claim is funded. You are responsible for paying your deductible.

Question 6

Can you waive my deductible?

Accepted Answer

No, waiving a deductible is insurance fraud and is illegal in Washington State. However, we offer financing options to help you cover the cost if needed.

Question 7

What if the insurance estimate is lower than your bid?

Accepted Answer

This is very common. Insurance adjusters use software that may not account for local labor rates or code upgrades. We submit a "supplement" to the insurance company with proof of the actual costs to get the difference covered.

Question 8

Do I have to use the roofer my insurance suggests?

Accepted Answer

Absolutely not. You have the right to choose the contractor you trust. Insurance "preferred vendors" often agree to do the work cheaper to get volume, which can sometimes impact quality.

Question 9

Can I upgrade my roof with the insurance money?

Accepted Answer

Yes! Insurance pays for "like kind and quality." If you want to upgrade to a designer shingle or add a skylight, you simply pay the difference in cost.

Question 10

What is "Depreciation" or "ACV" and "RCV"?

Accepted Answer

RCV (Replacement Cost Value) is the current cost to fix the roof. ACV (Actual Cash Value) is the RCV minus depreciation for age. Most policies pay the ACV first, and then release the "Recoverable Depreciation" once the work is completed.

Question 11

Do you handle emergency repairs?

Accepted Answer

Yes, if your roof is leaking or has a hole, we will perform emergency tarping immediately. This cost is usually reimbursed by your insurance carrier as "mitigation."

Question 12

Will insurance cover interior damage?

Accepted Answer

Yes, if the interior damage resulted from a covered roof failure (like a tree limb or storm-driven rain), the insurance usually covers interior repairs like drywall and paint as well.

Question 13

Do I need three estimates?

Accepted Answer

No. Your insurance company determines the price they are willing to pay based on market rates (using software like Xactimate). You just need to find one reputable contractor willing to do the work for that agreed-upon scope and price.

Question 14

Do you offer a warranty on insurance work?

Accepted Answer

Yes, our warranty is the same 10-year workmanship guarantee (plus manufacturer warranty) whether the job is paid for by cash or insurance.

Question 15

What happens if you find more damage after starting?

Accepted Answer

We stop, document the hidden damage (like rotten decking) with photos, and submit a supplement to the insurance company for approval. They typically cover these unforeseen costs.

We Handle Your Insurance Claim

No Out-of-Pocket Costs

Fast Turnaround

Claim Advocacy

Complete Documentation

Our Insurance Claims Process

Contact Us First

Document Everything

File Your Claim

Meet the Adjuster

Review & Approve

Complete Repairs

Frequently Asked Questions

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