At Good Contractors Roofing and Restoration, we understand that facing storm damage or roofing issues can be stressful—especially when insurance deductibles and out-of-pocket costs come into play. The good news? There are more ways to handle a roofing and restoration claim than most homeowners realize.
The Reality of Filing a Claim
We recently helped a customer who was hesitant to file an insurance claim because of a $2,500 deductible. Understandably, they didn’t want to come out of pocket just to get a claim started. But here’s what most homeowners don’t realize:
Once a claim is filed, it can open the door to covering more than just your roof.
In this case, we discovered not only hail damage to the roof but also damage to their fence. Insurance ended up covering around $3,000 for the fence alone. Since the homeowner opted to delay the fence repair, those funds helped offset the deductible cost—resulting in zero out-of-pocket expenses for the roof replacement.
Timing Is Everything
Insurance policies often allow up to a year to complete storm-related repairs. Delaying needed work, especially on something as critical as a roof, can lead to bigger—and more expensive—problems down the road. A damaged roof doesn’t just fix itself. It compromises the protection of your most valuable asset: your home.
We’ve seen homes with minor issues escalate into major repairs after renters failed to report roof damage. What might’ve been a quick fix in 2021 became a full-blown replacement by 2025.
Thinking Outside the Box
There are several creative strategies we use to help reduce or spread out your costs:
- Adjusting the Scope of Work: Sometimes scaling back or sequencing certain repairs can help meet your budget.
- Financing Options: Whether it’s covering just the deductible or financing the entire project, we offer flexible terms. Some customers use this to refinance high-interest loans, replacing them with lower-interest options tied to their home improvements.
- Insurance Navigation: We help you make informed decisions when dealing with insurance. Not everything has to be done at once, and not all funds need to be spent the same way.
Don’t Wait—Protect Your Investment
Homeowners often worry about replacing shingles but overlook the cause of the damage—like hail. Your roof is the first line of defense for your home and mortgage. Don’t delay addressing what protects your biggest investment.
If you’re unsure where to start, contact us. We’ll walk you through the claim process, help assess the damage, and come up with a game plan that fits your needs and budget.
