The most frequently asked question is a request for us to come out and give the homeowner an "Estimate", because their insurance company requested that they get 3 of them.
The answer to that request is "You, as the homeowner, are paying them a large amount of money to insure your home and that the Insurance company will dictate to you what they will pay to restore your home.The homeowner does not have to get an estimate just to buy time for the insurance company to finally come out and do what they have paid a premium for.When the insurance company's estimate of damage is received,it should be reviewed by a qualified Roofer who is trained in insurance terminology and claim settlements.At that time, the measurements and damage should be reviewed.In addition,we can assure you that the roof being replaced will be of the same quality as your insurance company states it should be. 
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Q: My insurance company refused to renew my homeowner's policy because I filed a claim. Can it do that?

A: It depends on the type and number of claims you have filed. A  Company cannot refuse to renew your policy because of weather-related claims. It can decline to renew a policy, however, if you have three or more non-weather related claims in a three-year period. Every State is different and you need to contact your states Insurance commission for the correct answer.

Q: My homeowners policy is coming up for renewal but the company says it will drop me if I don´t replace my leaky roof. Is this legal?

A: Yes. An insurance company may refuse to renew a policy because of a home´s condition. This can include a worn -- out roof. The company must give you at least 30 days written notice before not renewing your policy, but some companies give you six months to a year to make repairs. If your roof needs replacement because of a storm or other covered loss, the company must pay for the work (minus your deductible). If the roof is just worn out, you are responsible for paying to replace it.

The typical homeowner's policy has two main sections: Section I covers the property of the insured and Section II provides personal liability coverage to the Insured. Almost anyone who owns or leases property has a need for this type of insurance. Any many times, the lender requires homeowners insurance as part of the requirements in obtaining a mortgage.

What is the difference between "actual cash value" and "replacement cost?"

Covered losses under a homeowner's policy can be paid on either an actual cash value basis or on a replacement cost basis. When "actual cash value" is used the owner is entitled to the depreciated value of the damaged property.(The depreciation amount that is held back can be recovered when the damage is replaced by a qualified contractor like Strong Roofing.) Under the "replacement cost" coverage, the policy owner is reimbursed an amount necessary to replace the article with one of similar type and quality at current prices. Every state is different and you need to contact your state Insurance commission for your location.

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