Insurance Claim FAQs

Will my insurance company pay for a new roof?

Your insurance company will pay for damage that is the result of an act of nature or accident, such as a hailstorm, hurricane, tornado, falling branches or debris, or other incident.

Who should I call first if I think my roof is damaged- Guardian Roofing & Restoration or my insurance company?

First call us to inspect your roof and document damage, including a written description and digital photographs. We can help you determine if there is enough damage to warrant an insurance claim. If so, we can speed the process and get your roof restored quickly.

Can you represent me during the insurance inspection?

Yes, our inspector can be on hand when your insurance adjustor arrives to inspect the damage, and make sure all areas of concern are included on the final report. This ensures you get all the compensation you need for quality repairs.

How much money will I get from my insurance company?

The final determination of the value of the claim will be made by your insurance company, based on the report from the insurance adjustor. Depending on the age of your roof, the amount paid may be less than the full cost of repair or replacement (due to depreciation). This figure can sometimes be negotiated.

I got several estimates to repair my roof but they vary widely. Why?

Before making a decision, make sure all the estimates are offering the same quality of materials and workmanship. One contractor might propose using 25-year shingles, while another may offer installation of a 50-year shingle for only slightly more. Make sure you’re getting the most for your money.

General Roofing FAQs

What are the signs a roof needs to be replaced?

Leaks, missing or torn shingles, loose flashings, excessive shingle granules in gutters, and ceiling spots can signal roof problems. Age is another indicator; if your roof is 20 years old, it could be at the end of its lifespan.

My roof is leaking. Do I need to have it completely replaced?

Not necessarily. Our crews can often make repairs to extend the life of a roof that is otherwise in good condition. However, if a roof is demonstrating many symptoms of age and wear, replacement may be the only option.

How do I decide which roofing material to use?

Choosing which type of roof is right for you will depend upon numerous factors, including your budget, taste and needs. Before making your choice, consider the lifecycle cost of your roofing material. Some materials, although initially more expensive, require less maintenance and have a longer life expectancy than others. An asphalt shingle roof might last 20 years, but a metal roof can last more than 50 and might be more cost-effective in the long run.

How do I know if I have hail damage to my roof?

You may be able to see severe hail strikes from the ground, but most often hail damage is not visible to the untrained eye. If you’ve experienced hail in your area, call Divine Roofing Inc to schedule a professional inspection.

What is an ice dam?

Ice dams are formed by the thawing and freezing of melted snow at the eaves. The ice dam can force water up and under shingles, causing leaks. In areas where winter temperatures frequently drop below freezing, ice dams can cause serious and expensive damage to a roof and to the structure of a home.

How long do asphalt shingles last?

Shingles come in different grades. The better the grade, the longer the life expectancy, which can range from 15 to more than 40 years.

What is the lifespan of a metal roof?

New alloys and coatings make metal roofing panels more durable, with extended lifecycles that exceed those of shingles or shakes. Today’s metal roofs can be expected to last at least 50 years.

How long will it take to replace my roof?

Most residential roofing jobs can be completed in a single day. If a roof takes more than one day, we clean and secure the site at the end of each day and take care to protect any vulnerable areas from the weather.

Will you clean up after my roofing project?

Yes. At the end of the job, we conduct a thorough clean-up and walk-through. You approve final cleaning upon completion, and we won’t leave until you are happy!