FQAs
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.

  • Check with your local city and county to make sure the company is licensed. Ask to see copies of the license. Deal only with licensed and insured contractors. Verify the track record of any roofer, builder or contractor you're thinking of hiring. Ask for a list of recent customers and call them. There are many fake insurance certificates being used. If anyone gets hurt on your property, or any damage is caused by the contractor, you may be responsible. There is a way to check insurance certificates: there is an agent listed on the top of the certificate. Call them and verify coverage.

  • Take your time about signing a contract. Make sure to get in writing any oral promises the contractor makes. Remember to ask if there's a charge for an estimate before allowing anyone into your home. Don't automatically choose the lowest bidder. Get a copy of the final, signed contract before the job begins.

  • Resist dealing with any contractor who asks you to pay for the entire job up-front. A deposit is standard procedure. Pay only by check or credit card - and pay the final amount only after the work is completed to your satisfaction. Don't pay cash.

  • Investigate the track record of any roofer or contractor you consider hiring. Look for companies with a good reputation in your community, get references and do not give anyone a deposit until you are sure they are reputable. 

  • A legitimate roofing company should be     able to provide the following:

               - References and roofing testimonials
               - Business License
               - General liability insurance
               - Written manufacturer warranties
What you can do to make sure that your roofing company is licensed, insured and experienced to give you the best possible roofing service:
How to select a Contractor
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