Q: How do I know if I need a new roof?
A: Throughout the hot and cold seasons, your shingles expand and contract. This process can cause small gaps to form, the adhesive of the silicon to deteriorate, and for your shingles to slowly shed its granules. These symptoms are basic general wear and tear issues that develop gradually throughout a long period of time. The result is that your shingles soften and/or weaken and become more vulnerable to storm damage. Generally, it’s best to have one of our licensed adjusters assess your roof every 8 years from the date of your previous roof installation.
Q: When should I file a claim?
A: The Texas Department of Insurance recommends that after your home has suffered a loss you should take three very important steps. One, file a claim, two, prevent the damage from getting worse, and three, begin to collect estimates. Great news! With one phone call to Final Cut Roofing, we can provide you with a remedy so that you could be on your way to completing all three steps in no time.
Q: Does a claim raise my premium and can my insurance company drop me?
A: Insurance companies recognize two types of claims, one that is called a peril and one that is called a hazard. Generally, perils such as wind storms, hail storms, lighting, and other related catastrophes fall under the category of “perils.” These “perils” may not necessarily raise your premium and/or your insurance company may not necessarily cancel your policy. The reason is because there may have not been any steps that you could have taken to prevent them from happening. However, you should still contact your agent to check what type of policy you are under.
Q: How long does it take for my insurance company to process a claim?
A: Upon immediately after placing your claim, your insurance company is obligated to respond to your claim within 10 business days. If a loss has accrued your insurance company must provide you with a portion of the expenses within 30 days. You will also be allowed one year from the date of loss to file and/or collect all of your insurance proceeds. In some cases your insurance company may allow a three to six month extension with a written request. In most cases, insurance companies are eager to have your claim processed and closed within 6 to 8 weeks depending on how fast you are able to make the necessary repairs.
Q: What is the length of time for a full roof replacement?
A: Subject to city ordinance, we can begin work at 7am and begin operating heavy machinery at 8am. Our installers end their work half an hour before sun set. Typically, to remove and replace one layer of shingles on a one story house will only take Final Cut Roofing just one day! Facing unexpected additional construction, large roof replacement projects, or a number of other scenarios, will take no more than just two full days for a full roof replacement including a thorough clean up.
Q: Are there services in my area?
A: We proudly offer services in Collin County, Denton County, Dallas County, and Tarrant County. Visit our Coverage Area Page for a more refined search of the areas that we cover. If you don’t see your city in our Coverage Area, please visit our Contact Us Page or give us a call toll free at 1-888-618-FCR1(3271)
Q: Do I need to be present for the free inspection?
A: In order for our licensed adjusters to provide you with the most accurate assessment, it may be in your best interest to be present during our inspection. There may be vital questions that can be of concern to you regarding your roof and/or your property that we might need to explain and demonstrate to you in person. We are committed to providing convenience to our customers by working around your schedule no matter how challenging it may be.
Q: Is it safe to place a second or third layer of shingles on top of each other?
A: At Final Cut Roofing, we are invested in the appearance and functionality of your roof for the life of its expectancy. We strongly discourage “Over-layering” due to the fact that this increases the weight of your roof dramatically. This can cause a tremendous amount of permanent irreversible cosmetic damage to your roof or your attic structure.
Q: What are the benefits of proper ventilation?
A: Increasing the amount of proper ventilation in your attic can significantly reduce the cost of your utility bill, and dramatically prolong the life span of your shingles. Our professional recommendation is solely based on the shape of your roof and your specific needs.
Q: What are hail impact resistant shingles and how can I benefit from them?
A: Hail impact resistant shingles are designed to resist the effects of severe weather such as wind and hail, as well as miscellaneous debris such as tree limbs. These shingles meet a very difficult requirement known as “Class 4” which is set by the Underwriters Laboratories (UL) and the American Society for Testing and Materials (ASTM International). Some major insurance companies may offer you a homeowner’s premium discount for using shingles that receive this “Class 4” rating. Ask a Final Cut Roofing adjuster for more details about “Class 4” shingles today or learn more about Qualifying Products for Impact Resistant Roofing at the Texas Department of Insurance.
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