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Insurance FAQ
Does your insurance cover your roof damage? Top Peaks Roofing and Construction is here to help
Top Peaks Roofing and Construction is here to help you through the entire insurance claim process. Our goal is to exceed your expectations for your home repair. Top Peaks Roofing and Construction is certified and experience in the installation of all major manufacturers of roofing and siding. To find out what Top Peaks Roofing and Construction can help you with, take a look at our services!
Common Misconceptions About Insurance & Home Repairs
Misconception 1: The Insurance Company Is On Your Side.
The unfortunate reality is that not all insurance companies have the best intentions. Many are solely concerned with making a profit. There are also some insurance companies that do have your best interest at heart, but even then mistakes can happen. We are here to help you through the entire process, regardless of your situation. Our goal is ensuring your insurance claim is handled fairly .
Misconception 2: I'm Not Missing Any Shingles, So There Is No Damage On My Roof.
Your roof is more than what you can see from the ground. Something that looks perfectly fine from your yard could have serious damage to it that you cannot see. Call Top Peaks Roofing and Construction to schedule a FREE roof inspection!
Misconception 3: My Insurance Company Will Cancel My Policy If I File A Claim.
Most states have made it illegal for an insurance company to cancel a policy simply because a claim has been filed. Please check with your State for applicability.
Misconception 4: My Insurance Company Will Raise My Rates If I File A Claim.
Similar to policy cancellations, most states have made it illegal for an insurance company to raise policy rates simply because you filed a claim. If the damaging storm is classified as "catastrophic", rate increases will often be passed across all of the policyholders in the entire area.
Misconception 5: I've Already Filed A Claim, And The Insurance Adjuster Said There Was No Damage. This Could Involve One Or More Of These Scenarios.
They are correct, and there is no damage.
They're pressured to minimize claims by the insurance company.
They have been doing this all day and are tired, and either did not want to do extra work or made a mistake.
Hail spots take time to weather so if the adjuster examines the roof too quickly these may not show at the time.
Remember: The insurance adjuster works for the insurance company. Top Peaks Roofing and Construction work for you!
Misconception 6: I Have A 30-Year Roof, It Is 15 Years Old. The Insurance Company Depreciated The Roof 50%, And I Can't Afford A New Roof.
You most likely can afford a new roof. "Depreciation" is their way of saying "We're going to hold this dollar amount (or percentage) back to make sure you get your roof replaced." Your insurance company wants to keep you hones while protecting their investment in your home.. (In other words, they don't want you aren't using their money to fund a vacation). Holding some of your money until the roof is completely replaced is their solution to this. This does not and should not present a problem for you. At Top Peaks Roofing and Construction, we will work with the insurance company on all of these details so that you don't have to do so.
