Your Roof Insurance Advocate
Your Roof & Storm Damage Insurance Claim Advocate
At Roofing & Renovations Concierge, we simplify the roof and storm damage claim process for you, by breaking down complex insurance language and ensuring compliance with HOA standards and local roofing codes. From assessment to final inspection, we’re by your side every step of the way.
Unlike roofing contractors who only address roofs and gutter systems, we deliver a comprehensive approach as a general contractor. We assess your property’s entire exterior and certain interior areas for roofing and storm damage, ensuring all necessary supplements are submitted to your insurer for renovation consideration.
1. Is my roof damage covered by my homeowner’s insurance policy?
Homeowners’ insurance typically covers damage caused by sudden or accidental events like hail, wind, and heavy snow. Your “dwelling coverage” is designed to pay for repairs if the damage is from a covered peril. However, damage from aging wear and tear or poor maintenance is usually excluded. Read your policy’s “coverage” and “exclusions” sections to know exactly what is and isn’t protected. If your policy verbiage seems confusing, just send the full policy to us. We will let you know exactly what is covered.
2. What does my deductible mean and how does it work?
Your deductible is the amount you must pay out-of-pocket before your insurance picks up the remaining repair costs. For example, if your roof renovation costs $10,000 and your deductible is $1,000, you would cover the first $1,000, and your insurer would pay the balance. Some policies may even have a separate “named storm deductible” if the damage is caused by a specific type of storm such as hail or wind.
3. What is the difference between Actual Cash Value (ACV) and Replacement Cost Value (RCV)?
With Actual Cash Value (ACV) coverage, the payment is based on the value of your roof after factoring in depreciation. In contrast, Replacement Cost Value (RCV) pays for the full cost of replacing your roof with new materials-- even if the original roof had depreciated over time. Knowing which type you have is key to understanding your claim’s potential payout. Sending us your full policy will make it easiest for you. We will let you know what your policy covers, saving you the headache of trying to dissect it.
4. Should I call my insurance company or a roofing contractor first?
Your first step should be assessing the damage to your entire property. We will complete a complimentary 10-point inspection of your home or business and let you know what storm related damage exists. If there is enough damage, you will call in the claim with your insurance provider. We will meet your claim adjuster, with you at your home as they inspect it to make sure they don't miss any damage caused by the storm.
5. What documentation do I need to file a successful insurance claim?
You’ll need to document the damage thoroughly, which we will take care of for you. We will complete a whole property damage assessment; storm damage does not only affect your roof, but it can also damage your gutters, downspouts, windows, siding, paint job, deck, outdoor electronic fixtures, garage doors, fences, and other areas we are expert at identifying. With an assessment already completed by us, we will make it easier on the adjuster when they arrive at your house. This makes the approval process a breeze getting everything approved while they are present, eliminating the need for a back-and-forth battle via email, and phone calls.
6. What is the role of the insurance adjuster in my roof damage claim?
An adjuster is the insurance company’s representative who visits your home after you file a claim. Their job is to inspect and assess the damage to decide how much the company will pay based on your homeowner’s policy. They rely on the evidence we have gathered. It is always best to have your contractor present during the adjusters inspection. We represent you; the adjuster’s job is to represent the insurance company.
7. How is depreciation calculated and how does it affect my claim?
If your policy provides Actual Cash Value (ACV) coverage, depreciation is the reduction in the value of your roof over time due to age and wear. This means the payout may be lower than the cost to install a brand-new roof. Alternatively, with Replacement Cost Value (RCV), you could receive the full cost to replace your roof without a depreciation penalty—if such coverage is included in your policy. Depreciation will be paid out by your insurance company on an (RCV) policy once all repairs are completed.
8. What does ‘matching endorsement’ mean in my policy?
A matching endorsement is an add-on to many homeowners’ policies that ensure any new materials used in repairs or replacement will match your existing roof. This feature helps keep your home looking consistent if the original materials are no longer available or if you want to avoid a patchwork repair job that stands out.
9. Are there any repairs or damages that my policy does not cover?
Yes, most policies exclude damage from gradual wear and tear or poor maintenance. Additionally, events like floods or earthquakes are not covered under standard homeowners’ policies unless you’ve purchased extra coverage specifically for those risks. It’s important to review the “exclusions” section of your policy so you’re clear on what isn’t payable.
10. Will filing a roof damage claim affect my insurance rates?
Filing a claim due to an Act of God (Storm Damage) will not affect your rates, it's uncontrollable due to weather. Not getting storm damage repaired can be costly in the future since insurance will see that as a maintenance issue from not repairing in a timely manner. If the claim was from an issue that was preventable such as water damage from a frozen pipe, then yes it will affect your rates. It is always best to get us involved immediately. We will assess the damage, and in some cases the damage is small enough that filing a claim will not be worth the amount that your policy will go up in the future.