In a catastrophe, insurance companies normally don't raise your rates based on you filing a claim. However, they may raise rates based on territory. Like zip code. So even if you don't file a claim and your neighbor does, they may raise rated in that territory. The bottom line is, if you have damage, it's in your best interest to file a claim immediately.
Yes, so you pay your deductible to the contractor to cover the difference between the Total Repair Cost and the amount your insurance company pays, referred to as the Net Claim.
Don't panic. Most insurance policies allow for Replacement Cost Value and your insurance company will send you additional funds to cover the actual costs you incurred. If you don't complete the repairs normally you will not receive any additional funds.
A qualified Storm Restoration contractor will process that check for you through your mortgage company saving you hours on the phone and weeks of delays to your project.
It is imperative that you have a qualified Storm Restoration Company provide you with a complete Storm Damage Assessment and review your insurance settlement statement!
Storm Restoration Companies work for you, insurance adjusters work for the insurance company. It is in the best interest of the Storm Restoration Company to fine any and all damage caused by the recent storm. They also know the TRUE cost of making PROPER repairs!
Absolutely not! We can safely build your roof all winter long with no effect on warranty or quality. Colder weather roofing has benefits as well: such as less scaring to the shingles.