Click on a frequently asked question below to view the answer. If you have any other questions, please feel free to contact us today!
Q: Will my insurance premium increase if I file a claim
A: Usually, your insurance premium will not increase because the damage to your property was a storm damage related claim. However, the insurance company can raise the rates for everyone in your area for what they deem a “CAT” event. So, if you have damage and do not file a claim, your increase in premium will pay for everyone else’s repairs, except yours (stormdamagecenter.org). However, you should verify with your insurance carrier.
Q: How long do I have to file a claim?
A: Typically, you have two years from the loss or from when you noticed the loss to your property. Check with your insurance carrier as some may be different from others.
Q: What if I have a mortgage on the house?
A: Your mortgage company requires you to have insurance on your home, thus protecting their investment. Usually if the claim is less than $10,000 and you are current on your mortgage, the mortgage company will sign the check over to you to get the work done. However, when the claim exceeds $10,000 you will have to send certain documents over to the mortgage company to have the funds released. Such documents are W9, contractor agreement, final completion documents, lien releases and any additional documents requested, but don’t worry, we have a complete office staff that handles all aspects of working with your mortgage company.
Q: Can I as the homeowner keep the funds from the insurance claim?
A: Yes, you can keep the ACV (Actual Cash Value) the portion of the payment and not do the work. However, you should speak with your mortgage company first and with your insurer. Your mortgage company may escrow the funds until the work is completed. Also, your insurer may request the repairs to be completed to continue coverage. In addition, if your roof is damaged again the insurer will not pay for a previously damaged roof. We have found replacing the roof is usually in the best interest of the homeowner and all parties involved. Also, if the insurer depreciated the roof you will not receive the RCV (Replacement Cost Value) of the roof, until the roof is replaced: which could be substantial amount of funds. Typically, the homeowner has 180 days to complete the work from the time the insurer paid for the claim. Always, check with your insurance company first.
Q: How long will it take?
A: The average roof replacement takes one day. However, if additional damage is noted during the construction process an additional day is always scheduled to complete your project. The longest process is usually working with the insurance company in processing and handling the claim which usually takes 4-6 weeks from the start of the claim until you have all your paperwork in hand.
Q: Should I get additional estimates for the repair?
A: You are welcome to get as many estimates as you would like. However, most insurance work is estimated with specific software your insurer will use and we will be using too. The most important part of the claim is coming to agreement on the scope of damage and work to be performed. It is important to find a contractor who you can trust and works with the insurance industry. Also, make sure the contractor knows and understands insurance work and the processes of doing insurance work. For example, if additional damage is found; what needs to be done? Who pays? Who handles it? We do. We handle all those problems for you.
Q: What is my warranty?
A: Fullmer Brother’s warranties all the materials with the manufacturer’s warranty. We also have additional warranties with several of the manufacturers because of our certifications. In addition, we warranty the quality of the workmanship for 7 years from the date of installation.
Q: How can Fullmer Brother’s help you?
A: We offer a free, no obligation inspection of your roof by trained professionals to determine the scope of your damage. We will assist you throughout the entire process and guarantee the quality of our work. We make our client’s our number 1 priority. Contact us (link to Contact Us Page) today for your FREE estimate.