CALL US NOW (608) 352-8688
HOURS: Monday - Friday 8:00AM - 5:00PM
We realize you likely have some questions as the insurance restoration process can be a hearty one. Some of our most frequently asked questions include:
Insurance Claim FAQs
How do I know if I have storm damage to my roof?
Just because your neighbors have encountered hail or wind damage doesn’t necessarily mean your home has. Likewise, you might be the only house on the block that the storm crept over. In any event, it’s always recommended to contact Kickapoo to do a roof inspection after the storm. Some issues are obvious while others are underlying which may cause long-term problems (which may not be covered by insurance.)
Do homeowner’s insurance rates raise after a claim?
One thing to remember is that homeowner’s insurance is very different from an auto policy. Auto insurance wants to encourage safe driving by lowering your rates for accumulating no tickets or raising them after accidents. It’s not like you caused the storm so your homeowner’s premiums are not affected by making a storm damage claim also known as (Act Of God) claim type.
How much money will I get for my roof?
This is where the insurance adjuster can be your best friend or your worst enemy. Your roof might have cost $20,000 to install, but that’s the value moving forward only on day one. Every year for 10-years your roof depreciates so at year 5 you’d be looking at a roof valued at $10,000. This is what is called the Actual Cash Value of your roof and ACV is one type of insurance policy.
The other type of roofing insurance policy is Replacement Cost, or RC. In this policy the ‘cost to replace’ is covered by the insurance company. Unfortunately, it’s an estimate made by the insurance adjuster not your roofing contractor. Plus, you are on the hook for your insurance deductible.
What if the adjuster doesn’t find any damage?
You might not be happy with what your adjuster claims as damage (or you might be overjoyed.) This is why it’s important to have a trained adjuster like Kickapoo present when they go over the damage (only your insurance company can send the ‘official’ adjuster.) If you aren’t happy with the estimates however, you do have the right to a second inspection – from a representative from the same firm however.
Will I have to pay anything out of my pocket?
The cost to the homeowner for insurance settlements is always ‘deductible plus betterment’. Deductible is pretty self-explanatory but if you want to replace a shingle roof with a metal roof for example, the additional cost is on the homeowner.
You also have to make careful not to profit from a loss. This was very common in the auto industry where a mechanic would give a fake quote for $500 then do the repairs for $300 – splitting the extra $200 with the vehicle owner. Some people will try to find the lowest roofing contractor price in a similar effort to pocket this extra money. The truth is the insurance company only pays the difference of the final invoice. If you falsify this or hire a storm chasing contractor that offers to ‘cover your deductible’ you are committing insurance fraud, collusion, and a few other crimes.
It’s best to give Kickapoo a call for more detailed info about your specific claim. This is a very important part of the insurance restoration process and should be examined on a case-by-case basis.