Frequently Asked Questions
Find answers to common questions about our roofing and restoration services
Storm Damage & Inspections
How quickly should I get a roof inspection after a storm?
As soon as possible—ideally within 24-48 hours. Insurance claim deadlines often require documentation within a specific timeframe. Additionally, hidden damage can worsen if not identified and addressed quickly. We offer 24/7 emergency response for storm assessments.
What counts as "storm damage" for insurance purposes?
Typically: hail damage, high wind damage, falling tree/branch damage, and damage from lightning strikes. What's covered depends on your specific insurance policy. Damage from poor maintenance, aging, or normal wear isn't usually covered. We can assess whether damage likely qualifies during inspection.
What should I do if my roof is damaged in a storm?
1) Take photos of obvious damage from the ground (don't go on the roof). 2) Document the date and time. 3) Call your insurance company to report the damage. 4) Contact us for professional assessment before filing the claim. 5) Don't make repairs until we inspect and document everything.
Can I walk on my roof to inspect damage?
We recommend against it. Damaged roofs can be slippery and unsafe. Walking on damaged areas can cause additional damage or injury. Let professionals handle roof access. We use proper safety equipment, insurance, and experience for safe inspections. If you see damage, take ground-level photos and call us.
Insurance & Claims
Do I need to call my insurance company before calling you?
You can do either. Many homeowners call us first for a free professional assessment. We determine if damage qualifies, document everything, and then help you file with insurance if appropriate. Some people call insurance first, which is also fine—we'll coordinate with them.
What if the insurance adjuster's estimate is different from yours?
Small differences are common due to assessment methods. Significant differences might warrant a discussion. Our detailed documentation provides the foundation for these conversations. If you believe the adjuster underestimated damage, you can request reconsideration or hire a public adjuster to negotiate on your behalf.
Will my insurance rates increase if I file a claim?
Possibly, but it depends on your insurer, policy, and claim history. Many companies offer "forgiveness" for first weather-related claims. Some areas have rules limiting rate increases. Contact your agent about this before filing. This is one reason professional assessment is valuable—to determine if damage is worth claiming.
Can I choose who repairs my roof after insurance settlement?
In most states, yes—you can choose your contractor. Insurance pays the settlement, and you select your preferred repairer. Some policies or programs might have network requirements. Check your policy. We're happy to provide estimates and recommendations, and we can handle repairs if chosen.
What if damage is found after insurance closes the claim?
You may be able to reopen the claim or file a supplemental claim for additional damage discovered later. Some insurers have "reopening" provisions for new damage found within specific timeframes. Document the new damage professionally and contact your insurer. We can assist with documentation for supplemental claims.
Roofing Services & Maintenance
How often should I have my roof inspected?
At minimum, annually. More frequently (semi-annually or after major weather) is ideal. Regular inspections catch small problems before they become expensive. We recommend post-storm inspections even if damage isn't obvious. Early detection saves significant money long-term.
How long does a typical roof last?
Asphalt shingles: 15-20 years. Metal roofing: 40-50+ years. Tile/slate: 50+ years. Lifespan depends on material quality, installation, maintenance, and local weather. Regular maintenance extends life. We can assess your roof's age and condition during inspection.
What's the difference between repair and replacement?
Repair addresses specific damage—missing shingles, leaks, localized damage. Replacement means removing old roof material and installing entirely new roof system. Generally, if damage is under 20-30% of roof area and roof is in reasonable condition, repair is suitable. Extensive damage or aging roof warrants replacement.
Why is roof maintenance important?
Maintenance prevents small issues from becoming costly problems. Regular cleaning removes moss/algae. Gutter clearing prevents water damage. Flashing inspection catches leaks early. Maintenance significantly extends roof life and protects your home's interior. It's far less expensive than emergency repairs.
What should I do if I see a leak inside my home?
Call immediately—leaks worsen quickly. Place a bucket to catch water and document the location. Try to note where water enters (wall, ceiling, corner). Avoid electrical hazards. Call us for emergency assessment. The leak location inside doesn't always match roof damage location—water travels along structural elements.
Do you offer warranties on roof replacement?
Yes. Typically, we provide workmanship warranties (labor) and can arrange manufacturer warranties on roofing materials. Warranty terms vary by product and scope. We discuss warranty options during quote process. Proper installation and maintenance help ensure warranty coverage validity.
Emergency & Water Damage
Are you available for emergency calls in the middle of the night?
Yes. We offer 24/7 emergency response. Call during business hours or our emergency number for urgent situations like active leaks during storms or significant water damage. We dispatch crews for urgent response within hours during emergencies.
What should I do if water is actively leaking into my home?
1) Turn off electricity if water is near outlets. 2) Place buckets/tarps to control spread. 3) Move belongings away from water. 4) Document damage with photos. 5) Call us immediately for emergency response. We can provide temporary fixes and emergency extraction services.
How quickly can mold develop after water damage?
Mold can begin developing within 24-48 hours of water exposure. This is why rapid response is critical. Quick water extraction, drying, and dehumidification prevent mold growth and structural damage. We prioritize emergency speed because time is crucial with water damage.
What's involved in water damage restoration?
1) Emergency water extraction (removing standing water). 2) Assessment of structural and mold risk. 3) Dehumidification and drying (5-14 days typically). 4) Mold inspection and remediation if needed. 5) Removal of damaged materials. 6) Reconstruction and restoration. We handle each phase professionally.
Will water damage be covered by insurance?
It depends on cause. Sudden, accidental water damage is typically covered (burst pipes, storm-caused roof leaks). Gradual leaks from maintenance neglect usually aren't covered. Flood damage requires separate flood insurance. We can help determine likely coverage and guide your insurance discussion.
Service Area & Scheduling
What's your service area?
We proudly serve Vincennes and Southern Indiana, including Knox, Daviess, Gibson, Pike, and Sullivan counties. If you're unsure whether we serve your location, give us a call. We may be able to service nearby areas depending on circumstances.
How far in advance should I schedule an inspection?
Routine inspections: 2-5 business days advance notice allows us to fit you in efficiently. Emergency situations: same day or next day available. Storm seasons with high demand may have longer waits. Call as soon as you identify potential issues—we'll work to accommodate your timeline.
What if I need service on a holiday or weekend?
For emergencies, we provide 24/7 response including weekends and holidays. Standard inspection scheduling follows business hours but may have limited weekend availability. Call to discuss your situation—we prioritize urgent needs regardless of timing.
Do you offer free estimates?
Yes. Our initial inspections and assessments are free with no obligation. If repairs are recommended, we provide detailed written estimates. You can use our estimates for comparison shopping or insurance claims—we support whatever decision is best for you.
Still Have Questions?
Don't see your question answered here? Our team is ready to help. Give us a call or schedule a free consultation.