1. Will my insurance premiums go up if I file a claim?
Answer: Not necessarily, insurance rates due to catastrophic losses such as hail can cause the premiums to increase in zones and your rates may increase regardless of whether or not you file a claim. If your neighbors are getting a new roof you will be paying for it regardless of whether or not you file a claim.
2. Is there a time limit my insurance company allows for me to make a claim?
Answer: Yes, your insurance company only allots a specific amount of time to have the storm damage repaired. Also the longer you wait the more severe the damage may become.
3. What should I look for in a storm restoration company?
Answer: Look for a company with a proven track record of customer satisfaction and at least 15 years of experience in the industry. The company should have an A+ rating from the Better Business Bureau and client references and testimonials. Look for a company that offers proof bonding, workman’s compensation, and insurance. Ask about warranties; White Glove Exteriors meets and exceeds all of the above criteria and offers a full 5 year warranty on labor plus a lifetime warranty on materials. These warranties exceed most contractor warranties. We have quality service, workmanship, and top grade materials at a competitive price.
4. What are the advantages in having White Glove Exteriors represent me to my insurance company?
Answer: White Glove Exteriors has over 15 years of experience in storm restoration and an excellent reputation and relationship with all of the area insurance companies. We are a trusted name and well respected in the industry. White Glove Exteriors will do a thorough inspection of your property to ensure that all of the damage is documented and noted by the insurance adjuster. We take the hassle out of home repair.
5. If the roof is not leaking and I can’t see the damage from ground level why fix it?
Answer: Your roof may not start to leak for a year or two after the damage has occurred. A leaking roof will cause damage to your decking and rafters resulting in thousands of dollars in additional damage. This damage is considered homeowner neglect which makes you financially responsible for the repairs. Catastrophe claims on the other hand do not count against you or your homeowner’s insurance.
6. Should I get several bids and select the lowest?
Answer: The lowest bid will probably not ensure you get top quality materials. If a roofing company’s bid is too low they may be using inferior materials, have less than quality labor, and lack of service after the sale is complete. The difference between “fair market price” and the lowest bid cannot be applied toward your deductable. Your insurance company keeps the savings.
7. I just recently got a new roof; can my roof still be damaged?
Answer: Hail damage can occur regardless of the age of your roof. Even 1” hail can significantly damage a roof. If you have indentations, splits, cracks or holes that can be seen or felt you probably need a new roof. Don’t take chances. Call White Glove Exteriors for a free no hassle inspection if you suspect damage.
8. How much is it going to cost:
Answer: If you have a full replacement policy there should be little or no out of pocket expense for you. Ask one of our associates for details.