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They could! Anything that compromises the dependability and integrity of the roof could qualify for a full replacement rather than a repair. The same goes for your siding.
Of course, it’s not easy dealing with insurance! So why not just give us a call for a free inspection? We’ll take a look at the damage and check in with your insurance to help you get the coverage you deserve.
Probably not. We will never charge ‘hidden’ fees, but if something necessary comes up in the middle of your project (additional repairs needed, an extra roof layer to tear off, etc) you may be responsible for covering the extra cost. This is listed upfront in your agreement to review before we begin.
Other than that, you will not need to pay more than your deductible unless you specifically request and agree to additional work not covered by your insurance.
When you’re using your insurance coverage to pay for repairs, your deductible is the small portion that you’re responsible for. Therefore it goes to whomever is completing the repairs.
For example, let’s say you have a $1,000 deductible, and your project costs $14,000. Your insurance company would send a check for $13,000 and you would be responsible for paying the last $1,000.
You can think of it as similar to your health insurance; you spend the full amount of your deductible out of pocket, and insurance kicks in the rest of the money to cover the bill. The difference is that with Horner Roofing, we advocate on your behalf with the insurance company to get the full amount of coverage you deserve.
Well, that depends. If your roof is leaking or has severe storm damage, it might be best to replace it right away regardless of age or season; your roofing specialist can tell you the best options for your individual roof.
An asphalt roof can last about 15-25 years if no major damage occurs, but it’s best to have it professionally inspected around year 15. Horner Roofing offers free inspections as a public service, so you’re free to call anytime with no obligation. Without damage, it’s best to plan on a replacement around 20 or 25 years.
If you do need to schedule a full roof replacement, it’s better to plan for when the weather is warm. Warm weather ensures a proper seal and provides the best setting for the shingles to adhere to your roof. Ideally, in winter seasons, a repair (rather than replacement) would be best until the weather improves.
Feel free to give us a call, or fill out the Contact Us form and we'll reach out to you!
You can also look through our blog articles below for interesting ideas and tips.
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