Sometimes. Insurance typically covers sudden damage from covered events like hail or wind—not normal wear and tear. If you think storm damage is involved, we can inspect, document the damage, and help you understand what you’re seeing before you file.

Yes, it can happen. Some carriers require replacement after a certain age or if the roof shows visible wear. If you get a notice, don’t ignore it—an inspection and a plan can help you respond quickly.

• ACV (Actual Cash Value): pays depreciated value (you cover more out-of-pocket)

• RCV (Replacement Cost Value): pays to replace (minus deductible), and often releases full payment in stages
  Your policy type makes a big difference in what you’ll pay.

Common warranty killers:

• Improper installation or unapproved repairs

• Poor ventilation (can cook shingles early)

• Layering over old roofing when not allowed

• Damage from foot traffic or unqualified work

• Not following manufacturer requirements
  We build installs around manufacturer specs and local code to protect your warranty.

We offer:

• Manufacturer material warranties (varies by product)

• Workmanship warranty on our installation (we’ll specify the term in your proposal)
  We’ll also explain what’s covered and what maintenance helps protect it.