Frequently Asked Questions
Will you give me an estimate?
It won’t cost you anything! We offer FREE Roof Evaluations to determine if you have hail and wind damage.
What is the catch? Is there a hidden cost?
The only thing you are responsible for is your deductible. Should we find something else wrong with the roof while we are working on it, we will supplemental bill your insurance company. We NEVER come back to the home owner and ask for more money.
My roof looks fine and I have no leaks, wouldn’t I already know if I had hail and wind damage?
You probably would not. Hail damage is rarely visible from the ground, and you might not notice it even if you have been on top of your roof. It almost always requires a trained Hail Damage Specialist to find the damage. In some cases, you might see that shingles are missing from wind damage, but this is usually the only time you will notice any type of damage to your roof from the ground.
Will my insurance premiums increase if I file a claim? Can my insurance company cancel my insurance altogether?
Your insurance company can NOT cancel your policy for filing this type of claim. This loss is classified as an “Act of God,” which means you had no control over it and could not prevent it.
You probably have already noticed increases in your insurance premium over the last couple of years. Premiums have increased for all policy holders due to the excess amount of storms in this area recently. In essence, you have been paying to cover everyone else’s damage. Maybe it’s time for you to get what you’ve been paying for.
How do I file a claim with my insurance company?
It’s simple! We are Storm Claim Specialists and we will assist you with your claim from the beginning to the end and make sure you understand whats going on every step of the way!
How long does the process take from beginning to end? How long will it take to install my new roof?
The total time to complete your claims process varies. This is mostly due to which insurance company you have and how many active claims they have at the time. Typically, once your claim is filed, your insurance company will send out an adjuster to complete your roof inspection within 2 – 7 days. Once the adjuster approves the roof replacement, it usually takes another 5 – 7 days for the insurance company to send the initial payment and a description of work to be completed. After you have received the initial payment, 5 Stars Roofing will schedule the work, order materials and have your new roof completed within a couple days. The average total time for the entire process runs about 2 to 3 weeks. The actual roof installation only takes 1 – 2 days, depending on size of your roof.
How do I file a claim with my insurance company?
Yes… but we strictly work off of the description of work provided by the insurance company and their pricing. Your estimate and contracts will be finalized once you have this information from your insurance company. This allows us to ensure that you are not paying any costs in addition your deductible unless you request that we upgrade certain aspects of your roof installation. We will always discuss any upgrades in advance and put upgrades agreed upon in writing to protect both you and our company.
What Should I Expect?
We offer a free home storm Inspection. Should we find damage during your free inspection our representatives will be happy to answer any questions and assist you in filing your storm claim. We have collectively worked with hundreds of insurance companies on thousands of claims. Your insurance company will send an adjuster to your home usually within a few days. We also put one of our signs in your yard which will keep other pesky solicitors from knocking on your door! Think of us like a realtor, if a realtor can’t find a buyer for your home they don’t get a commission. If your adjuster comes to your house and does not approve your claim you are under no obligation financially or contractually to us. If your claim is approved we just ask that you let us do the work!
Upon approval from your insurance company. You will pick out a shingle of like kind and quality to the one that is currently on your roof. Your insurance company will give you a scope of what they are paying for on your property. Be sure to give a copy of the scope to your project manager. We will do everything on the scope that the insurance company pays for. If they miss anything we always supplemental bill the insurance company for additional costs. We NEVER come back to you while the roof is going on and ask you for more money! If you do not understand the paperwork please ask your representative to explain it to you while this may be the first insurance scope you have seen we have done thousands.
What Makes 5 Stars Roofing Different? Many roofers want money up front before work has been done or before materials have been delivered. We do not ask you for a dime until we have already paid for your materials out of our pocket and have them sitting in your driveway! We put our trust in our homeowners before we ask them to put their trust in us! At this point we will collect the ACV portion of your check. You can sign your insurance check over to us or write a personal check for the same amount. All checks are made out to 5 Stars Roofing or signed by you with pay to the order of 5 Stars Roofing on the back the check. Often times the mortgage company is listed on the check which they will need to sign off on the check as well. Since they own the house until its paid off they want to make sure your getting a new roof and not taking a long vacation! We will almost always start your roof replacement within 72 hours of your shingle delivery
We pride ourselves on courtesy and cleanliness. We will make sure your bushes and yard are tarped off in the right areas as we remove your old roof. We will NEVER blast loud music from your roof top!After we tear your old roof down to the bare wood we will use new felt on your entire roof and put rolled metal or ice and water shield in your valleys for extra protection.While we do work quickly we are also perfectionists when it comes to laying your shingles. One uneven row of shingles can make the whole roof look bad. We take the same pride in your roof as we would on our own
Too many homes we come across have roofs that are poorly ventilated. We make sure we properly ventilate your roof whether your insurance company approved it or not! When the job is done we will do a magnetic sweep of the property and make sure we get all the nails and debris picked up. At this time we will also collect your deductible.
Our representative will then walk the property with you and make sure you are happy with every phase of the project! At this point we will send a certificate of completion to your insurance company and they will mail the final check. In turn you can contact your representative and close out the job. Our representatives get paid when they receive your final check and close out your job. We find that this insures their attentiveness to you every step of the way!