How much damage do I need to have a claim?
Not much actually. Marble size hail can cause a lot of damage if it falls hard and for a long time.
My roof/siding is so old they won’t possibly pay enough to replace it, will they?
Insurance policies are written for replacement cost. Old roofs and siding are just as insured as new roofs and siding. In fact the older your roof and siding are the more susceptible to damage they are.
How does the claim payout work?
When your claim is approved the insurance company issues payment to you, and your mortgage company. If your home is paid for than they’ll omit the mortgage company. We accept the initial insurance payment as a deposit for the repairs and bill your insurance company for the balance. Your expense is limited to your deductible unless you add upgrades to your job. Ask your rep about special promotions, you might qualify for a free roof.
Why does your company provide this service for free?
What’s the catch?
There is no catch! This is what we do as a professional independent insurance restoration contractor. In return for the professional estimating and damage inspection services all we ask is that you allow us to make the majority of the repairs for the amounts that we get your insurance company to agree to. The better a job we do inspecting for damage and presenting a professional insurance estimate the larger a repair job we will have earned. You’ll get excellent repairs and we’ll make a fair profit. It’s win-win!
Is this an insurance scam?
No. An insurance scam is when someone intentionally damages or burns down their property for the purpose of filing a claim and getting financial gain from a crime. If we discover that someone has intentionally damaged their property we can’t help them with a claim. Storm damage claims are legitimate, even if the damage is minimal.
My premiums might go up if I file a claim.
Would they cancel my policy?
If you have a “no claims” discount it may be disallowed. We have yet to see a policy cancelled because of storm damage claims. Unless you've had several claims within a 2 year period, there's no penalty. In fact, if the storm is classified as a catastrophic event, by law the insurance company can't raise your rate or drop you regardless of you record. We encourage all our homeowners ask their insurance company about their exposure before filing a claim.
If I get the roof replaced for less than the insurance company quoted, can I keep the balance?
No. If you get the roof replace for less than the insurance company quoted, they will with hold your deductible from the second check and pay only what's owed to the contractor. If a contractor agrees to bill the job for the quoted amount from the I/C and does the job for less, then gives the homeowner the difference, they both are committing insurance fraud. If a contractor is so dishonest as to lie to the I/C, image what lies they will tell you. Insurance Fraud is a serious matter, you don't want to put yourself at risk.
North State Roofing knows the frustration and stress associated with filing and processing insurance claims for storm damage. Let us handle the frustration of dealing with adjusters and damage inspections. We will keep you informed every step of the way and document every part of the claim process for your records.