In most states, insurance companies cannot single you out for a rate increase due to an "Act of God" claim like a storm. However, if a major storm hits your area, base rates for the entire zip code may increase regardless of whether you file a claim or not.

Most insurance policies typically give you up to one year from the date of the storm to file a claim. However, it's crucial to have an inspection done as soon as possible to prevent further damage, which your insurance company might refuse to cover if considered "neglect."

We recommend calling a reputable roofing contractor first. An expert inspection will determine if there is enough damage to warrant a claim. Filing a claim when there is no damage or repair costs are below your deductible goes on your record unnecessarily.

No. You have the right to choose your contractor. The insurance company pays fair market value for the repairs. Your only out-of-pocket expense should be your deductible. We use the same estimating software as major insurance companies to ensure our pricing aligns with their payout.