Roofing FAQs

When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor.

In most cases, the insurance company subtracts the homeowners deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible, is the total amount the insurance company will actually pay for the claim.

The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, if is it border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof.

Sometimes insurance adjusters may not be able to see all the damage if they’re not able to walk on a step roof and photograph certain areas. Revival Roofing ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.

There are two reasons that the insurance companies hold some money back.

First reason: To make sure that you get the work done. Past experience has shown them that, if they give the customer all the money up front, many people end up spending it on something else.

Second Reason: They want to make sure that you pay your full deductible. The insurance companies reason that, if you are given all the money to begin with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand.

By holding this amount, they can adjust the amount of the final payout based on the roofing contractor’s invoice, thus assuring that the customer does pay the deductible.

Legally, it is not possible to avoid paying your deductible. There are roofing contractors who are willing to work with property owners to submit falsified invoices. However, doing so is insurance fraud. Please don’t ask us to do this.

If a roofing contractor offers or solicits this as an option for you, you should report them and find another roofing contractor.

Here at Revival Roofing & Restoration, we have so much confidence in our service process that we offer 100% free, no-cost roof inspections and estimates for all full roof replacement projects. You may request your free roof quote by calling our office at (504) 446-ROOF, or by clicking here and a Revival representative will contact you.

Revival Roofing recommends having your roof checked twice per year and after all major storms. Ask yourself these questions, and if you answer yes to any of them, inquire with us to determine if you need a new roof:

• Is my roof​ twelve (12) to twenty-five (25) years old?
• Is my roof leaking and/or have I had to fix any leaks in the past?
• While standing in my yard, can I see shiny fiberglass, cracking, and/or curling on my current shingles?
• Have I seen any missing or torn shingles around my property?
• Has it been more than 6 or 12 months since I had a local roofing company inspect my roof?

Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We can almost always work something out with the insurance company. We will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monies needed to make the repairs.

It is always prudent to get more than one estimate.

However, when insurance is paying for the work, the dollar amount of the estimate is not very important as long as it is equal to or less than the insurance company estimate. In all such cases, with Revival Roofing, you will only be paying your deductible, so your cost with us will be what the insurance company pays, plus your deductible. Therefore, your decision should be based on going with the contractor that you feel most comfortable with and whom you feel will perform the best job.

Most estimates you receive from other roofing companies will look the same on a surface level.

But, you should definitely look closely at the materials being used and be sure to ask each contractor to include the names of the materials they’ll be using.

There are major differences when you look closely at the materials being used.

For example, both companies may be quoting a 30 year Architectural shingle.

But, you must look closely on the estimate and avoid those contractors that are using basic builders grade products, and a variety of different material manufacturers, instead of giving you a complete system from one manufacturer, which carries a much longer warranty.

There’s an old saying, ”The bitterness of low quality remains long after the sweetness of low price is forgotten.”  We couldn’t agree more.

We encourage you to ask yourself these questions when deciding which company to work with:

• Do they give you the impression that they’re certified and expert roofers?
• Is their company name and messaging clear and visible on documents, vehicles, and clothing?
• Are they willing and able to provide you with a copy of their contractor’s license?
• Are they willing and able to provide you with proof of Workers Compensation coverage?
• Are they willing and able to provide you with proof of Liability coverage?

Not only do these documents show credibility, more importantly, they also protect you as the homeowner or business owner if a worker is injured on the job.

View all of our licenses and insurance

In a hailstorm, most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be readily apparent and may not start to leaking for some time. It’s best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.

You may request your free roof quote by calling our office at (504) 446-ROOF, or by clicking here and a Revival representative will contact you.

In a hailstorm, most hail that hits your roof may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be visible from the outside. And, it may not start to leaking for some time.

It’s best to have your roof inspected by a state licensed roofing contractor to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.