When Weather Strikes, Quality Experience & Service Matters.
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When Your Home Takes A Hit from Mother Nature… Quality Service & Products From Experienced Local Experts Is Important.
Working through an insurance claim can be a frustrating experience. The process requires time and specific knowledge of various terms and requirements for you to be made whole following a loss.
Quality roofing has been working with insurance companies regarding storm claims for many years, and we are often referred by insurance companies due to our experience and expertise.
With a licensed adjuster on staff, we are able to work with you to handle your claim from start to finish, making sure that your home is repaired as it should be without you shouldering undue expenses and running into complications with timelines and payments.
Licensed Insurance Adjuster On Staff!
Most wind and hail damage on your roof cannot be seen from ground level and go undetected to the untrained eye. If your roof isn’t leaking right now, it may leak soon, and you don’t want to take that risk. Trust us to handle it.
When you need fast, high-quality repairs, we’ll be there. We stand behind our work. To us, customer satisfaction is what comes first. Expect exceptional service.
TERMS TO HELP YOU UNDERSTAND THE INSURANCE PROCESS
- DEDUCTIBLE A deductible is the amount of money that you are responsible for paying toward an insured loss. When a disaster strikes your home, the deductible is subtracted from what your insurance pays toward a claim. The deductible is considered an out-of-pocket expense paid by the homeowner. Deductibles are how risk is shared between the homeowner and the insurer. In most cases, larger deductibles allow the homeowner to pay lower premiums for an insurance policy. State insurance regulations strictly dictate the way deductibles are incorporated into the insurance policy and vary from state to state. Deductibles are normally either a specific dollar amount such as $1500 or a specific percentage of the value of the home such as 1%.
- A.C.V. Actual cash value. Acv is the amount paid to replace your property factoring in depreciation. It is the amount paid to replace your damaged property minus depreciation.
- R.C.V. Replacement cost value. RCV is the amount paid to replace your property without factoring in depreciation. It is the amount paid to replace your property with new property. The full cost of the new property is paid to you without any deductions for depreciation.
- DEPRECIATION Your dwelling and most of its contents – such as your roof, windows, siding, and furniture – may lose value over time due to factors such as age along with weathering and wear and tear. This loss in value is known as depreciation.
- REIMBURSEMENT Under most insurance policies, claim reimbursement begins with an initial payment for the actual cash value “acv” of your damage, or the value of the damage at the time of loss. If you have replacement cost coverage included in your policy, you may be able to receive additional funds to cover the depreciation of the damaged items. Reimbursement may involve two or more payments to you. Receiving additional payments is dependent upon you supplying the insurance company additional information regarding the repairs that have been completed.
