Considering Our Roofing Program? Here's What You Need to Know

If you’ve landed on this page, chances are you’ve either been contacted by one of our reps or saw an ad about our roofing program. Either way, you’re in the right place.

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We understand that insurance claims and roof replacements can feel confusing or even intimidating—but they don’t have to be.

 

Below are answers to the most common questions we hear, so you’ll know exactly what to expect and how we’ve got you covered every step of the way.

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How does the process work?

 

We inspect your roof for storm damage, file a claim with your insurance company if enough damage is found, and work to get your roof approved for a full replacement.

 

How much does this cost me?

 

Your only out-of-pocket cost is your insurance deductible, which is only collected after the last nail is in your new roof. If your claim is approved, your insurance company covers the rest. Deductible assistance may also be available.

 

How long does the process take?

 

Approval times vary, but most claims are settled within a few weeks. Once approved, we schedule your roof replacement as soon as possible. However, time may be limited—insurance policies often have deadlines for filing claims after storm damage occurs, so it’s best to act quickly.

 

What if my insurance denies the claim?

 

Insurance companies mostly deny claims initially to see if homeowners will push back. Don’t worry—if your claim is denied, we handle the entire appeal process for you, ensuring a smooth experience with no hassle on your part. We’ll review the decision, and in most cases, we can get the claim reapproved through reinspection or other means.

 

Will my insurance rates go up if I file a claim?

 

Property insurance doesn’t work like auto insurance, where filing a claim automatically raises your rates. Home insurance rates are based on your area, not individual claims. If rates were going to go up, they were going to go up anyway—whether you filed a claim or not. In fact, getting a new roof can sometimes lower your rates since it reduces your home’s risk.

 

What if my insurance company says it’s not enough damage for a full replacement?

 

In most cases with roofs over 3 years old, the shingles are discontinued. Even with minor damage, mismatched repairs aren’t allowed—so your entire roof may need to be replaced under the ‘Like Kind and Quality’ clause in most insurance policies.

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What are discontinued shingles?

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Manufacturers often update their shingles by changing the lengths, widths, exposures, and thicknesses as part of an "upgrade" to their products. Unfortunately, this makes the new shingles incompatible with older models. It's similar to trying to install 2025 Ford F150 headlights on a 2005 model — they simply won't fit, and water will leak through no matter how hard you try to make them work.