Self Payment versus Using Insurance: What are my options?

When replacing the roof on your home, there are two ways you can pay for it: self-paying through our multiple approved financing options, cash, or filing an insurance claim and allowing Approved to work on your storm damage insurance claim.

When a roof has suffered damage, it may qualify for an insurance claim, but what sort of damage does insurance cover? And how does that process work? Let Approved be your guide and trusted resource for all insurance claims.

As the premier roofing company serving the Tri-State of Ohio, Kentucky and Indiana, we’ve helped countless homeowners determine the best route to getting the new roof of their dreams.

Absolutely with an Approved Claim. Many homeowners misunderstand the type of damage an insurance company will cover. A tree falling on your roof isn’t the only sort of damage that could qualify your roof replacement for insurance coverage.

There are many other, less obvious kinds of damage that insurance companies will cover that aren’t evident until you get up on the roof.  Identification of this damage may not be obvious to the untrained eye so call the experts at Approved to come perform a no cost inspection.

For instance, shingles have what’s called a “bond-to-bond” seal, which secures the shingles to the ones beneath them. Weather events can (and often do) blow through, breaking that seal and creasing your shingles, compromising their integrity. This damage can’t be seen from the ground, but the shingles are indeed damaged and may qualify for coverage under common insurance policies. The wind compromised shingles can not be repaired and must be replaced.

How do you determine if your roof has damage that your insurance company will cover? It’s simple — call Approved for a roof inspection. Our roof inspectors are properly trained to identify damage caused by weather.

Whereas most roofing contractors will perform a simple inspection, our trained professionals will provide a comprehensive inspection you can use to get the most out of your insurance claim, if you file one. 

Our insurance expert will provide a detailed report, so you know exactly what was found. If you decide to go through your homeowners policy, our insurance expert will work directly with your insurance adjuster to get the most possible coverage. Based on our reports, many homeowners can get their roofs replaced for just the cost of their deductible.

Do not have the money for the deductible? No problem! Please inquire about our super low payment financing options WAC*.

After getting the results of your roof inspection, the choice is yours whether to file an insurance claim or pay for your roof replacement with cash or through financing.  Remember that your claim is built into your premiums. Premiums go up over time as others file their claims so why not use the policy you pay for? As long as you have Approved on your side, you can trust that you’ve explored all your options and can make an informed decision about the best route for you.

Contact us today to learn more about our roof replacement services or get more information about insurance claims or financing. We’re ready to take your call!