Frequently Asked Questions
Frequently Asked Questions About Roofing.
How long should my roof last?
The longevity of your roof always depends on the type of roofing material used, the quality of the installation, and the impending weather factors. Naturally, it is very hard for any roofing structure and material to stand up to strong winds from hurricanes tornadoes, or frequent thunderstorms. Likewise, damaging hail can be catastrophic to nearly any roofing surface. Many roofing components are fire rated but that does not mean they are fire-resistant. On average for three-tab asphalt shingle, you should expect anywhere between 12 and 18 years depending on the weather. For an architectural shingle, you can typically expect 18 to 24 years. Flat roofing membranes can usually last between 20 and 30 years. Metal roofs as well as clay and concrete tile can last up to 50 years or more. Some of the old asbestos roofing systems have been around for more than 100 years still existing on the roof from their original installation. Keep in mind that each one of these roofing systems requires different sets of maintenance and care. Just because a metal roof will last 50 years does not mean you can put it on today and not worry about it for five decades. Every roof will need specific maintenance so feel free to ask what maintenance your system requires.
Can hail really cause my roof to leak?
Sometimes different parts of the country experience hail storms with large enough stones that the stones actually penetrate through the roof into the interior of the property. While it is rare this has happened many times before. Obviously, in the circumstances, the structure can leak. The most typical of hail storms do not puncture the roof or cause holes which will leak immediately. Normally the more damaging effect of a hail storm is the loss of life span on the roofing system. Typically large enough hailstones can dent, crack, blister, or split the roofing membrane system and cause the system to fail prematurely. Usually, hailstones do not fall in a large enough size to cause leaks immediately. Because of this, it is very hard to see hail hits on your roof from the ground. We recommend having a roofing system inspection if you believe hail has hit your property.
How much is my deductible for this claim?
The deductible you will pay for making an insurance claim is set at the time that the policy is written and agreed to between the property owner and the insurance carrier. While there are some clauses that may change the deductible based on weather related events (such clauses include the name storm exclusion which typically raises a deductible to 5% for hurricanes) The majority of insurance policies specify what deductible will be paid under given circumstances. Typically your contractor cannot answer this question out of the blue without referring to your insurance policy itself. Policy owners can look at their declarations page to find coverage limits, exclusions, and what their deductible will be based on certain circumstances. Even if two policies are written exactly the same it is very unlikely that they have the same deductible amount because the value of each property is typically different. In most circumstances the deductible is based on the value of the property. Sometimes policies will have a flat fee deductible which will be spelled out in your insurance policy plan paperwork.
What if I can’t afford my deductible?
In today’s world the insurance carriers typically will not release depreciation on a claim until the policyholder has proven they have paid their deductible and the ACV payment to their contractor. Without proof of payment, many insurance carriers will withhold any supplement and appreciation payments. It is illegal for your contractor to waive, credit, or pay the policyholder back for their deductible. However, it is not illegal for your contractor to offer financing or payment plans to pay the deductible over time. In the case that The deductible cannot be paid in full, the project can be delayed for sometime before the policy does not allow for depreciation to be received. This gives policyholders time to save for their deductible. Financing the deductible, part of the deductible, or even the entire claim amount is possible and your Trinity Representative can walk you through this process.
Do y’all offer financing?
Yes. We work with several partners to help finance all or part of the cost of a claim including all or part of the deductible. If a Property owner is already considering a refinance, they can choose a cash-out to refinance and take the cash to pay for their deductible or full amount of work.
The insurance estimate shows a negative amount for my deductible. This means the insurance already took out (paid) my deductible, right?
When you see the negative number next to the deductible that is because the insurance is removing the deductible from the RCV payment that they will make. The negative simply means that they are removing it from their liability and placing it on the policyholder’s liability. The contractor will still need to be paid in full for the replacement cost value of your claim. Insurance carriers will not write a check to contractors to pay the deductible. The insurance carrier will pay for everything except the deductible on an RCV policy which is why they have removed the deductible from their payment on the claim paperwork.
What if the insurance doesn’t approve the amount our contract is for? Do I owe the difference?
Many times the insurance estimate does not match up to the contractors estimate. Maybe things were left off, forgotten, or were unforeseen. We always like to present our cost to the insurance before beginning work so that everyone is on the same page. If your insurance estimate is lower than your contractors you simply need to see what the differences and why the difference exist. Is the insurance company leaving off things That the contractor will have to provide? Is the insurance company utilizing their software appropriately so that the contractor can charge a reasonable overhead and profit? Is the insurance company leaving off job specific and non-job specific items that must be accounted for on every job? I.E. landscape protection for a roof replacement. The landscape wasn’t necessarily damaged during the storm but you certainly do not want pieces of shingles, nails, and other debris damaging your landscape with your roof replacement. Contractors therefore put an extra steps and measures to protect your landscaping which adds across to the job. Did the insurance company leave that out and just tell you it’s the cost of business? All cost of doing business or passed along to the end consumer. Therefore in an insurance claim all cost should be added to the RCV(replacement cost value). When insurance carriers do not account for all of the costs associated with the job, policyholder simply need to stand up for themselves and make sure they’re full cost or accounted and provided for. Trinity Roofing And Restoration can educate you on the Waze to watch for these things so that you do not need to pay the difference between your insurance estimate and your contractors estimate out-of-pocket. The only difference a policyholder should cover is the deductible and any upgrades.
Why is the check the insurance mailed me, less than the amount the insurance approved the claim for?
The first payment you received will be the ACV payment (actual cost value). This payment removed the deductible which is the policyholder’s responsibility, and it also removes any applicable depreciation. This is why the first check the insurance mails you is less than the RCV (replacement cost value) amount that they agreed to pay. As long as the policy is a replacement cost value policy, the depreciation and any supplements will be sent in a secondary or even sometimes a third check from the insurance carrier.
I’m getting a 30 year shingle, correct?
During an insurance claim insurance carriers will pay for like kind and quality. If you have a 30 year shingle on your roof, they will cover a 30 year shingle roofing system. If you have a different style or type of roof, that is what they will cover. Simply put if you have a Cadillac they will replace it with the Cadillac, if you have a Chevy they will replace it with a Chevy.
There are many different complementary upgrades that Trinity Roofing And Restoration offers. If there is something above and beyond we will definitely quote you the best price to provide you with the most optimal upgrade that you wish to receive.
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417 W Hillary Cir. Sugarland, TX 77498
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