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What can ProActive Roof Systems and Construction do to make your home safer and more Energy Efficient?

Find out by contacting us today!

Myths, Facts and Roofing Claims

Q: I looked at my roof and didn’t see any problems, or my roofer inspected and there were no problems

A:  Roofing systems must be physically inspected by someone who has training and experience to determine if there is actual damage. Insurance companies send their adjusters to special training so they can properly identify damage to property. Unfortunately, there is not much ongoing training for the roofing or home inspection industries.

Q: I’m not missing any shingles, so I must not have damage.

A: Missing shingles are related to wind damage claims and can happen during a storm if the winds are high enough. However, damage is insidious in nature and may not physically cause leakage for years after a storm.

Q: I only have one year to file my insurance claim.

A:  Many insurance companies do have a one-year time limit and some even less; however, due to the nature of damage, they may pay claims past the deadline. This usually happens if a storm is geographically widespread.

Q: My roof is new, so it’s covered by the manufacturer’s warranty, home builder, or contractor.

A: Manufacturers specifically name certain damage as an exclusion to their product warranty, as do home builders and roofing contractors. Newer roofs can actually be more susceptible to damage than older roofs due to the time it takes a new roof to cure from exposure to the elements.

Q: I was told my roof has minimal or very little damage, and therefore I don’t need to file a claim.

A: If your roof has any damage whatsoever, you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it’s important to have a qualified person inspect your roof.

Q: I need to get a bid.

A: If your insurance company denies coverage, what is the point in filing a claim? We use the same software as the insurance company and agree to do the work for what they pay if you allow us to go to work for you and get the job approved. All you are responsible for is your deductible and any upgrades.

Q: If I don’t file my claim, my insurance company won’t raise my rates.

A: After a disaster, insurance companies may raise everyone’s rates. By not filing your claim, your personal rate increase is paying for everyone else’s damage…except yours.

If you believe you have damage to your roof, give us a call for a FREE inspection.