When filing a claim, many homeowners worry that it might increase their premiums. Fortunately, this is generally not the case. Hail damage is classified as an act of God, meaning it’s beyond your control-af-ter all, you can’t move your roof out of the way of a storm. Because of this, insurance companies cannot directly penalize you for filing a claim. However, rates may increase if a large number of homeowners in your area file claims for hail damage. In such cases, while overall rates might rise, you’ll be getting a new roof from your insurance, and your rates would likely increase regardless.

At HD Roofing, we guarantee that you’ll never have to pay more than your deductible, provided you have a standard RCV insurance policy. Our goal is to minimize your out-of-pocket expenses for your new roof, so we work diligently to ensure your insurance covers the cost of the build.

Many homeowners worry that their insurance company won’t cover the full cost of a new roof, but this is a common misconception. In fact, 99% of homeowners have an RCV (Replacement Cost Value) policy.

This means that once the roof is completed, the insurance company will pay the full depreciated value, ensuring the entire roof is covered.