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Self Paying vs. Insurance:
Which is Right for You?
When replacing the roof on your home there are two routes you can take to pay for it: self-paying through financing or cash, or filing an insurance claim. The great majority of roof replacements are covered by insurance? When a roof has suffered damage, it may qualify for an insurance claim—but what sort of damage does insurance cover? And how does that process work? Let INNOVA be your guide. As community conscious roofing company serving Houston, Sugar Land, Katy, Missouri City, Richmond/Ronseberg, Fulshear, Pearland, Alvin, Cypress and surrounding areas, we’ve can guarantee to provide the best value and professional customer service for your roofing solutions and so much more.
What Does Insurance Cover?
Many homeowners misunderstand the type of damage an insurance company will cover. A tree falling on your roof isn’t the only sort of damage that could qualify your roof replacement for insurance coverage. There are lots of other, less obvious kinds of damage that insurance companies will cover that aren’t evident until you actually get up on the roof.
For instance, shingles have what’s called a “bond-to-bond” seal which secures the shingles to the ones beneath them. Weather events can (and often do) blow through, breaking that seal and putting creases in your shingles, compromising their integrity. This type of damage can’t be seen from the ground, but the shingles are indeed damaged and may qualify for coverage under common insurance policies.
How Can Innova Green Roofing Solutions Help?
So how do you determine if your roof has sustained damage that your insurance company will cover? It’s simple—call Innova Green Roofing Solutions for a free roof inspection. At INNOVA, we have a team of inspectors who are properly trained to pinpoint damage caused by weather events. Whereas most roofing contractors will perform a simple inspection, INNOVA'S roofing specialists will provide a comprehensive inspection that you can use to get the most out of your insurance claim, should you choose to file one.
Our insurance expert will provide you with a detailed report and photos so you know exactly what was found. If you decide to go through your homeowner’s policy, our insurance expert will work directly with your insurance adjuster to get the most possible coverage. Based on our reports, many homeowners are able to get their roof replaced for just the cost of their deductible.
After receiving the results of your inspection, the choice is yours whether to file an insurance claim or self-pay for your roof replacement with cash or through financing. But as long as you have INNOVA GREEN ROOFING SOLUTIONS on your side, you can trust that you’ve explored all your options and can make an informed decision about which route is right for you.
To learn more about our roof replacement services or to get more information about insurance claims or financing, contact us today. We’re ready and waiting to take your call!
FOR YOUR INFORMATION
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Storm damage causes billions of dollars in damage each year to thousands of homes.
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In many cases storm damage is not major and visible from the street, and roof damage goes unnoticed until there is a leak that develops inside the home, or another major issue is revealed, which in some cases the time line for your insurance to cover storm damage may have passed.
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A professional inspection is key to detect if there is any current damage as a result of wind and or hail storms and important to have a roof inspection to determine if there is any damage or not.
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We work for you and always represent the home owner to assure your insurance company covers the cost that is covered in your policy if your roof shows any signs of damage.
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The insurance claims process is a detailed, tedious, and often complicated process and very important to approach the process correctly to detect storm and hail damage to assure the maximum possible settlement and coverage.
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Our specialists have worked with insurance companies, processors, city permitting departments, and inspection superintendents for years and we fully understand what it takes to navigate the claims adjustment process.
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FAIR AND RESPONSIBLE PRICING
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Make sure you are getting fair and responsible pricing. As we all know, there is always someone who will do it cheaper. Innova Green Roofing Solutions does continuous cost information sharing with the insurance companies and is always aware of current pricing. Insurance companies do continuous research in the ever-changing costs for repair and replacement in order to pay the lowest and fairest cost to their insured. The insurance company expects you to use a professional quality contractor that can do replacement work in a timely manner, pay all bills promptly to avoid material and mechanic liens, provide quality communication and service during the process, and ultimately warrant all work. Insurance proceeds typically provide sufficient compensation for a professionally managed contractor to provide proper service to its clients.