Should I file an Insurance Claim?

Your roof is one of the most important parts of your home’s structure, and when it’s damaged, it can be a significant expense to repair or replace. Depending on the nature of the damage, you may be wondering whether it’s worth filing an insurance claim to help cover the cost. In this blog post, we’ll explore the factors you should consider when deciding whether or not to file an insurance claim for your roof.

Assess the Damage

Before filing an insurance claim, it’s important to assess the damage to your roof. If the damage is minor, such as a few missing shingles or minor wear and tear, it may not be worth filing a claim. However, if the damage is significant and affects the integrity of your roof, such as from a major storm, it’s important to consider filing a claim to help cover the cost of repairs or replacement.

Check Your Policy

It’s important to review your insurance policy to determine what types of damage are covered and what your deductible is. In some cases, your policy may only cover certain types of damage, such as damage from wind or hail. Additionally, you may have a deductible, which is the amount you’ll have to pay out of pocket before your insurance coverage kicks in. If the cost of repairs or replacement is less than your deductible, it may not be worth filing a claim.

Consider the Cost

Even if the damage to your roof is significant and covered by your insurance policy, it’s important to consider the cost of filing a claim. Filing a claim may increase your insurance premiums, and you may also have to pay a deductible. Additionally, the process of filing a claim and waiting for approval can be time-consuming, so it’s important to weigh the potential benefits against the costs and inconvenience.

Get Professional Help

If you’re unsure whether or not to file an insurance claim for your roof, it’s a good idea to consult with a professional roofing contractor. They can assess the damage to your roof and provide an estimate for repairs or replacement. They may also be able to help you navigate the insurance claims process and provide guidance on whether or not it’s worth filing a claim.


Deciding whether or not to file an insurance claim for your roof can be a difficult decision. It’s important to assess the damage, review your insurance policy, consider the cost, and get professional help. Ultimately, the decision will depend on your individual circumstances and the extent of the damage to your roof. If you’re unsure whether or not to file a claim, consult with a professional roofing contractor who can provide guidance and help you make the best decision for your home and budget.

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Frequently Asked Questions

Yes! We can arrange for tree removal prior to roof tarping. We’ll coordinate the entire project for you.

It is always your deductible plus upgrades if any.

Not many can. A membrane or metal commercial roof system generally requires a different set of equipment, specialized materials, and expertise. From asphalt emulsion-based systems to built-up and mod-bit systems to galvanized steel, commercial roofs require a different skill set than that of a roofer more used to dealing with residences. Best Roofing Now is the company to choose in North Carolina’s Piedmont Region when you want to “go local” and choose the best commercial roofing company at the same time.

While there could be some initial cost-saving in laying new shingles over an old, aged roof, we generally don’t recommend re-roofing. Old shingles also mean an old roof deck. By tearing off the old shingles, our licensed roofing contractor will then be able to spot any areas of instability or damage to the roof deck that may have been hidden by the shingles. We can replace any sections where there may be wood rot. Roof installation techniques and materials have also changed over the last couple of decades, and your old roof may not be up to code. “Re-roof” jobs may also not carry the same warranties as a full replacement.

Generally, we’ll wait for a break in the rain before climbing onto a roof when the rain is still sheeting due to the safety risk. One of the best benefits to choosing Best Roofing Now is that we live right here in Charlotte, so we’ll be watching the weather along with you. Just give us a call, and together we’ll determine the best time to tarp your roof.

Absolutely not, but you should. Temporary roof tarping is generally covered by your homeowner’s insurance policy, but choosing multiple contractors for the same claim may delay the process. Insurance companies refer their clients to us all the time, though, because they trust us to get the job done right at a reasonable price. We can be on our way to tarp your roof, and we’ll come back and meet with your insurance adjuster to discuss our recommendations for the repairs. One-stop-shopping!

There are two primary ways that homeowners benefit from owning a battery:

First, you can use the battery for backup power. If the grid goes down, you’re still covered. If disaster strikes, if there’s a hurricane in your area, or a fire, or any of the things that we’re all dealing with now, on a much more common basis, having a battery will allow you to continue to have electricity in your home, even if your utility company can’t provide it.

The second reason is that you can often actually save money by getting a battery if you live in a region with specific rate structures where you would benefit from using stored power from the battery during more expensive times of the day. In many regions, the net metering policy allows you to save money without the need for the battery unless you want the peace of mind that comes from knowing that your home can provide electricity even when your utility company can’t. Ask your Best Roofing Now consultant for more information. They’ll be able to give you a detailed proposal of exactly how much a system will cost with a battery if you’re interested in one. We work with all the biggest battery manufacturers and we can absolutely make sure that you get taken care of – whichever way is best for you.

Yes! We have years of experience installing, maintaining, and repairing the membrane roofs and steel roofs most often used for large, flat surfaces. Whether you want to know your options for a full replacement or simply need your roof repaired because you’ve discovered a water leak or other damage, Best Roofing Now can help. We will also help you develop a regular roof maintenance plan to help extend the lifespan of your roof.

Yes! Our experienced, licensed roofers will inspect your roof up close to assess the scope of any obvious damage and also map out the probable unseen damage just below the surface. With that knowledge at hand, we will let you know if roof repair is the most affordable option or if you’re better off with a full roof replacement.

Not every home is eligible for solar, so cross your fingers. Let’s hope you’re one of the lucky ones, and you can save money. There are three main factors:

Number one is called “sun exposure” – does your roof (or the location of your solar panels) get enough access to the sun? One of the things we’ll do is analyze your sun exposure from satellite images and other technology to make sure that you’ve got what’s called “proper solar access”. There’s a percentage we’re looking for which, as long as you’ve got that, you’re good to go.

Number two is orientation. What direction would your panels be facing? Ideally, we would want the panels facing South or West, since that is where the most sunshine hits. So you’re looking for the right sun exposure, you’re looking for the right orientation.

And then there’s just number three. Are there any structural issues with your house or roof that would make it difficult to mount solar panels? And if it turns out that it doesn’t work for solar, no harm done, you got educated and you know it is what it is. But that’s the reason why I encourage you to reach out and get a no-cost proposal from us so we can actually do the hard work of analyzing your property and show you exactly how much money you can save by going solar.