Valeriu Gurau

With over 15 years of industry experience, Valeriu Gurau is the founder of Built To Last Roofing. His extensive knowledge and expertise in the roofing business allow him to provide strategic solutions and ensure exceptional operational performance.

Table of Content

Covered Perils

Review your policy to understand which perils are covered, such as wind, hail, fire, or falling objects.


Your deductible is the amount you'll pay out-of-pocket before your insurance coverage kicks in.

Actual Cash Value vs. Replacement Cost

Your policy may cover either the actual cash value (depreciated value) of your roof or the full replacement cost.

Financial Assistance

Insurance can cover a significant portion of the repair or replacement costs, alleviating financial burden.

Peace of Mind

Knowing you have coverage for unexpected events can provide peace of mind.

Deductible Payment

You'll still be responsible for paying your deductible.

Premium Increases

Filing a claim can potentially lead to increased insurance premiums in the future.

Claims Process

The claims process can be time-consuming and involve paperwork, inspections, and negotiations with your insurance adjuster.

Faster Repairs

You can choose your own roofing contractor and initiate repairs sooner.

No Impact on Premiums

Paying out-of-pocket won't impact your future insurance premiums.

No Deductible

You won't have to pay a deductible.

Full Financial Responsibility

You'll bear the full cost of repairs, which can be significant, especially for major damage.

Extent of Damage

For extensive damage, an insurance claim is often the best option to mitigate financial strain.

Deductible Amount

If the cost of repairs is close to or less than your deductible, it might be more cost-effective to pay out-of-pocket.

Claim History

Filing multiple claims within a short period can lead to significant premium increases. Consider your claim history when making a decision.

Document Damage

Take photos and videos of the damage to support your claim.

Contact Your Insurance Agent Promptly

Report the damage to your insurance company as soon as possible.

Get a Professional Estimate

Obtain a detailed estimate from a reputable roofing contractor like Built to Last Roofing to ensure accurate assessment of the damage and repair costs.

Review the Adjuster's Report Carefully

Ensure the adjuster's report accurately reflects the damage and necessary repairs.

When faced with roof damage, homeowners often grapple with the decision of whether to file an insurance claim or pay for repairs out-of-pocket. At Built to Last Roofing, we’ve seen this scenario countless times.

Both options have their pros and cons, and the best choice depends on several factors, including the extent of damage, your deductible, and the potential impact on your future premiums. We’ve outlined what you need to know.

Understanding Your Homeowner's Insurance Policy

Insurance Claim: Pros and Cons



Out-of-Pocket Payment: Pros and Cons



Making the Decision: Factors to Consider

Navigating the Insurance Claims Process

If you decide to file an insurance claim, these tips can help streamline the process:

Seek Expert Guidance

Choosing between an insurance claim and out-of-pocket payment for roof repair requires careful consideration of your individual circumstances. Consulting with a knowledgeable roofing contractor and your insurance agent can help you make an informed decision that aligns with your budget and long-term goals.

Built to Last Roofing can help you assess roof damage, provide accurate repair estimates, and navigate the insurance claims process. Contact us today for a free consultation and let our experts guide you through the process!

Confused About Roof Repair Costs?

Let Built to Last Roofing help you decide between insurance and out-of-pocket!

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