Trusted Window Installers in Atascocita, TX

No. Your roof may not have noticeable damage but, the best way to tell if your roof is affected by hail or wind damage is to have one of our claims specialists can give you a free and honest Inspection to see if you qualify for a full roof replacement.

It is not necessary to get more than one estimate. We are experienced at working with all insurance companies and will make sure that you will not pay anything out of pocket except your deductible. If a contractor gives you an estimate for less than the pricing determined by your insurance provider, you will not receive the difference. If we determine the repairs cost more than the pricing determined by your insurance provider, we will work with your insurance company to make sure they cover any additional costs.

Most insurance companies have a limited claim period. Typically, if you have all repairs completed with in one year without filing a claim, they are not required to fully indemnify you for your loss. You should file a claim as soon as possible to make sure that all work is completed before the insurance deadline and to prevent any additional damage.

Not as far as determining whether to pay or not, but it does affect how much the insurance company will pay if you have an actual cash value (ACV) policy.

This depends on your deductible and the type of policy you have. If you have a full replacement policy, your total cost would be the amount of your deductible. If you have an actual cash value (ACV) policy, the insurance company subtracts your deductible from the total amount, and then they subtract a portion for depreciation. Some insurance companies will pay a lump sum at one time, while others will require the work to be completed before they release a final payment. If they pay a portion up front and are holding a portion back until completion, the final bill will be determined by the actual invoice not to exceed the adjusted amount. EXAMPLE: The insurance company says it will allow $4,000.00 to replace your roof. Your deductible is $500.00. You will only receive $3,500.00 if the job costs $4,000.00. If the job costs $3,700.00, the insurance company will pay you $3,200.00 total, since your deductible is $500.00. They only owe the actual amount not to exceed the adjusted amount.