FAQ

Ask your insurance agent or insurer how a claim could affect your policy and renewal. HD Roofing cannot guarantee an insurance rate or a claim outcome.

Your out-of-pocket cost depends on your policy, coverage limits, deductible and the approved scope. Confirm any excluded work, upgrades or other costs with your insurer and contractor before proceeding.

Actual cash value coverage accounts for depreciation. Replacement cost coverage works differently, and payments remain subject to your policy's terms and deductible. Ask your insurer whether depreciation is recoverable and what documentation or deadlines apply. The NAIC's guide to actual cash value and replacement cost explains the basic distinction.