Covered Perils

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

Deductible

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.