- Common questions

- Common questions


FAQ about Insurance Claims:

  • Do I need to get three estimates for my roof?

No, your insurance company does not require you to get three estimates for your roof. You have the right to choose a company you trust, and the company should get approval for their bid from your insurance company before they start. Your insurance company will only pay up to the amount of your final bill (minus your deductible) so trying to find the lowest bid may only get you the least qualified contractor. It is more important to choose a contractor who you trust and has the expertise to work with your insurance company.

  • What if my insurance company bid is lower then your bid?

At Quality First Roofing we have been working with insurance companies for years, we use the same data base they use to set our prices. Our dedicated staff has been trained to adjust your claim working with your insurance carrier; we have 100% success at coming to an agreement with any carrier.

  • What if my claim is denied or damage is not included in my adjusters papers?

We can help; If your claim is denied or damage was overlooked by your adjuster, please call us. We specialize in dealing with insurance companies and adjusters, usually we can fix theses problems with a phone call or requesting a re-inspection. Quality First Roofing has a 95% success rate of correcting denied claims or overlooked damage.

  • Can I pay cash for my roof?

Yes, if you wish to handle your insurance claim yourself, we will provided you with a cash offer contract with payment due upon completion.

  • Will my premium increase if I file a claim or my policy is cancelled?

You would think since you where not at fault for an extreme weather event; your premium should not go up or your policy be cancelled for making a valid claim. This is basically true, homeowners insurance focuses more on the region that you live in, the number of catastrophes your area has suffered in the past few years, the potential risk in your area, as the factors that dictate the bulk of your premium. Filing one claim will not spike your premium. Unfortunately, we cant answer this question for all cases many factors that go into determining each individual answer, such as your policy coverage, claim history, type of loss and length of time that you have been insured with your carrier. Its a good idea to discuss your concerns and other questions you may have about your claim with your agent. Your premium may go up regardless if you make a claim or not, and the bottom line is you have insurance to cover damage caused by things such as a hail storm. Not filing a claim and not fixing the problems will be something you may regret in the future. So, if you have a loss with significant damage, the right thing to do is file the claim. After all, youre paying a premium every year, why not use your insurance for what its designed to do.

  • Whats the difference between actual cash value and replacement cost?

Actual cash value is typically defined as replacement cost less depreciation (the amount deducted based on the age and condition of the item). With replacement cost coverage, the depreciation is withheld but then paid back to you after the repair or replacement of each item.

  • Do I need to make all the repairs on the adjusters summary?

No, your first payment or ACV amount is payment for the damages. This insurance payment is for the diminished value of the home, you do not need to make the repairs and can dwell with the diminished value if you wish. Often your ACV check will have your mortgage company as a co-payee, and they may require repairs to be completed in whole or part before they endorse payment checks. If you do not make the repairs you will not be eligible to future damages via your insurance carrier and this could be something you can regret.

  • How much money will I get back after your done?

You cannot legally make money on an insurance claim. Some unscrupulous contractors may offer to inflate your bill and give you a "kick back" when the work is done, in exchange for your job. You have to ask yourself is this the kind of people I want working on my home? It is a crime, insurance fraud occurs when people deceive an insurance company or agent to collect money to which they arent entitled.

  • Do I have a time limit to file a claim or do the repairs?

Yes, most insurance companies will allow one year to file a claim and finalize repairs, this is something that is policy specific and you should check with your agent.

Common Pitfalls:

- Common questions

  • Not showing your adjustment summary to your claim specialist.

Your claim specialist is your partner and advocate in getting your home back to normal after a severe weather event. Not showing the adjustment summary to your claim specialist is a mistake. When a claim specialist reviews your adjustment summary he can make sure all damage is included and that you are receiving full benefit from your claim. By not disclosing your paperwork you are crippling his ability to make sure fair compensation has been approved by your insurance company.

  • Going with the lowest bid.

A company that is giving the lowest bid when work is plentiful, like after a severe weather event, should be researched as far as their credentials. Your insurance company will only pay the dollar amount of a valid invoice, less your deductible, so a low bid does not save you money. If a contractor offers to inflate his bid and offer you a "kick back" when the work is done, in exchange for your job. You have to decide if that is the kind of people you want working on your home? It is a crime, insurance fraud occurs when people deceive an insurance company or agent to collect money to which they arent entitled. Often the lowest bid will not included replacing all the part and pieces as outlined by your adjustment summary. A roof is a system and replacement as outlined by your adjustment summary is critical to a long lasting roof.

  • Make sure you have a recoverable policy with no exclusoins.

If you own a home you may assume that everything is covered by your homeowners insurance. However, you may be surprised to find out that you are wrong. In some cases people find that they have a non-recoverable policy or certain exclusions in their homeowners insurance policy that prevent the entire cost of repairs from being covered. Non-recoverable policy mean your insurance company will only pay you a ACV (actual cash value) payment, this is payment for the damages less the deprecation and minus your deductible. In this case you will be responsible for your deductible and the depreciation for full replacement. Roof exclusions may also prevent the roof of your home from being fully covered by homeowners insurance. Some policies may exclude the roof in whole and some may exclude your roof in part. Common partial exclusion examples are code upgrades and extra layer removal. This is why it is important to choose a contractor who is familiar with policy specifics. Another example of why you should make sure you share your adjustment summary with any contractor who is providing you with an inspection. It is a common mistake to choose a contractor who is inexperienced in dealing with insurance, only to find out you are responsible for thousands of dollars out of your own pocket, due to your policy exclusions after the work is done.

  • Doing the work yourself.

Many insurance carriers will not pay you "sweat equity", this means they may not pay you any deprecation if you do the labor. So now you’ve done all that work only for the benefit of the insurance company. Choose a professional and get the work done right, at no additional cost to you outside of your deductible.

  • Not having a contractor meet your adjuster.

Immediately after you contact your insurance company, start doing research to find the right contractor. Have this contractor meet your adjuster in order to insure a fair settlement and that all the damage to your home is included in your claim. An honest contractor in your corner is not going to take advantage of your insurance company, pricing is dictated by standards that insurance companies and contractors have access to. At Quality First Roofing we use the same software as your insurance company and have a 100% track record of coming to an agreement with all insurance carriers.

FAQ about Quality First Roofing:

  • Are you members of the Better Business Bureau?

We are a member of the BBB. Quality First Roofing was formed in June of 2009 from our parent company AMO roofing . Quality First Roofing adheres to all BBB practices and policies. AMO is a decade old established business that is a BBB accredited company with a A+ rating.

  • Who will be responsible for my job?

Your claim specialist will support your job and an English speaking foreman will be present the entire time of the installation process. Ultimately the entire staff takes full responsibility and pride for your job and the handling of your claim.

  • Are your workers legal?

Yes, since we use our own crews we can control I-9 compliance and follow all laws in the Federal Immigration and Nationality Act.

FAQ about Hail Damage:

  • How do I know if I have damage on my roof? "I cannot see any."

You cannot see damage from the ground. Call us for a free no obligation inspection , we will go on your roof and take pictures, then give you an honest professional opinion about your roof’s condition.

  • Are there hail proof roofs?

No roofing material is fully hail proof. There are hail-resitant roofs. These products have Class 1 through Class 4 hail-resistance ratings, 4 being the highest. The ratings are given by taking a steel ball and dropping it from a pre-determined height and measuring the damage the roof has sustained. The American Society of Testing and Materials (ASTM) performs the tests. Installing a Class IV hail resistant roof may qualify you for lower insurance premiums, depending on where you live. Call your agent for verification. Consult with your claim speciaist to see if this option is for you.

  • What does hail damage look like?

Signs of Hail Damage to an Asphalt Roof:

Bruises or small dents in the asphalt shingle

Granulation is displaced exposing the asphalt

Granulation has settled at the base of your downspouts

The spots hit by hail usually leave a soft spot in the shingle

Significantly damaged metal air vents on the roof indicate similar hit pattern for roof

Damage and denting of siding, or gutters

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