Will my rates go up by filing an insurance claim?
No, they should not. You pay for homeowner’s insurance in case of natural disasters. You cannot be penalized for opting to use your insurance. Rates rise and fall based on the number of claims made within a zip code, not on whether you made a claim. A rate increase may be included in your policy in some cases, so check your homeowner’s policy for this inclusion.
What about my deductible?
A deductible is the amount of money a policyholder must pay out of pocket as their portion of the claim. If you file a claim and it is covered, the deductible is subtracted from the amount the insurance company gives you to pay your contractor. It is your co-pay, no different than seeing the doctor, and payable to the contractor.
Is all work guaranteed?
Absolutely! Labor and materials are fully guaranteed. We offer 5-year labor and a Limited Lifetime Warranty on materials provided by the manufacturer.
Is the company appropriately licensed and insured?
Yes. Americanstruction is a general contractor, and we carry full liability insurance and workers comp. Customers are put at ease knowing our company is reputable, financially secure, well established, and safe.
Has previous work been done in this neighborhood?
We will gladly provide you with a list of references locally upon request.
What kind of shingles are used?
Our company uses asphalt shingles and architectural styles from a variety of manufacturers to suit customer needs. Some preferred suppliers used are Owens Corning, GAF, and Certainteed. If specific manufacturers are requested, our company will gladly use the requested product when available. We use TPO and Modified Bitumen membranes for low slope (flat roofs) through Mule Hide (Carlisle).
What are dimensional or ‘architectural’ shingles?
Architectural shingles are two layers of shingle material bonded together, giving them a three-dimensional appearance. They provide protection and deliver a superior appearance. Our company highly recommends these dimensional shingles, and if not covered by your insurance, our company can make this upgrade an affordable choice for homeowners.
Is the wood replaced under the shingles?
Insurance companies typically do not cover damage to wood, underlayment, or rafters. It is the homeowner’s responsibility to cover this cost. However, 90% of homes only need a few pieces of wood replaced, generally near chimneys and vents.
Is an estimate provided?
Your insurance company provides the estimate. We do all the work for their industry standard price. Measurements and costs are compared with your insurance company to make sure no items were left out or underpaid. If any discrepancies arise they are notified and adjustments are made. The Insurance Summary issued by the carrier to you (the policyholder) is the SCOPE OF WORK.