It depends on a few factors: There must have been an event that would be considered an “Act of God” that occurred at your property within the past 1-2 years depending on your insurance carrier & policy language. Additionally, the event must have caused enough damage to your roof to warrant a full replacement. It is important to note that if there was a storm event (hail, high winds, etc.) it is the policyholder’s contractual obligation to inspect for damages, report damages to their insurance company, & mitigate any further damages from occurring. After a catastrophic event, it is crucial to have a qualified contractor come inspect your roof & give it a clean bill of health to avoid your insurance company from claiming policyholder negligence & voiding out their future duties of repair or replacement.

Insurance companies cannot single you out after a catastrophic event. Geographical areas will all experience a rise in rates or possibly even a loss of coverage if the insurance company decides that a specific area is high risk for them; however, they cannot & will not single you out. It is important to note there must have been an event that was an “Act of God” (ie: hail, wind). If a policyholder is found to be making frivolous claims, however, the insurance company would likely drop that policy.

After every big storm event, insurance companies set a budget for that event & systematically pay out claims to fulfill their obligations. There always seems to be a few properties left behind that have insurance but for some reason did not get a full replacement approval from their insurance company. There is really no rhyme or reason to try & figure out how or why this happens. While 90% of homes in an affected area get full roof replacements, 10% seem to either receive a blatant full denial, a repair, or a partial replacement often times leaving the policyholder with the tough decision of coming out of pocket to fund a full replacement, doing the prescribed repairs, or losing future insurance coverage on their roof. To avoid this happening to you, you should have a qualified contractor assist you through the claims process as it is easier to get a full replacement from the beginning than trying to reverse a denied or partial approval. With that being said, it is not over if you are currently sitting with a repair or partial replacement estimate from your carrier. Crown Roofing has systems in place to deal with these exact scenarios with a very high success rate of turning repairs or partial replacement into full replacements without the need of litigation.

Your deductible is the maximum out of pocket expense you will have with Crown Roofing. Any other funds needed for the replacement of your roof will be acquired from your insurance company. For jobs that do not go through insurance, we offer financing starting at $87/month with 0% APR.

No. Unlike auto claims where all of the funds needed to repair your vehicle come in one check, homeowner claims come in multiple payments. The contractor performing the work has to send a final invoice to the insurance company to release any final payments. If the invoice is less than the original estimate provided by insurance, any final payments issued will reflect the invoiced amount. If your deductible is not included in the invoice, it will obviously be less than the original insurance estimate. We offer financing for deductible expenses starting at 0%.