Axe Roofing›
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“Kyle answered all of my questions and helped me to understand the insurance paperwork while Braden had great communication with me on schedule changes.”
FAQs
Q: Do I need to get multiple quotes for insurance work?
No, you are not required to submit multiple bids or go with the lowest. All roofing contractors will perform the work for the agreed-upon amount set by in the Statement of Loss. Insurance companies and contractors use software such as Xactimate, which determines the price based on the material and labor rate for the zip code. If you get a quote for less than what is determined by that software, the insurance will pay you less when depreciation is released. They will only pay whatever is invoiced by the contactor.
Q: How do roof insurance claims work?
There are four main parts to a roof insurance claim, which are 1) research and document, 2) call a roofing contractor, 3) call insurance and file a roofing claim, and 4) have the roof replaced.
Q: What is an Insurance Supplement?
Supplements are additional items that are required to bring your property back to pre-loss condition. These are either items missed by the insurance adjuster or code-related items required by the city. These are submitted by your contract for approval.
Q: Will my out of pocket cost ever change or be higher than my deductible?
As long as you have the proper coverages in place, no. If you did not have code upgrade coverage included in your policy this would be your responsibility. Some policies are ACV (Actual Cash Value) only meaning there will be no depreciation released. If we get all the documents ahead of time, we can help you understand your out of pocket cost and ensure it does not change.
Q: What type of roof lasts the longest?
A roof that is properly cared for, inspected each year, and repaired as needed can see a lifespan of between 15 and 100+ years, depending on materials. The length of how long a roof will lasts depends on roofing material, environment, exposure to elements, and care.
You'll find more information on the FAQ page of our website.
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