Blog Articles
Don’t Wait Till After Hail Season to Turn in a Claim
No, you should NOT wait. If it hails again and your deductible and policy changes then the claim pays you less because the most recent storm is the Date of Loss.
Buying a Home With an Old Roof
This is risky because beginning in 2025, insurance carriers started putting ACV Schedules on roofs that are 10 years-old and older. That means the depreciation is not recoverable.
What is Recoverable Depreciation
Recoverable depreciation is the portion of an insurance claim that covers the difference between an item’s current, depreciated value (Actual Cash Value) and the cost to replace it new (Replacement Cost)
What is HAAG?
HAAG Engineers are the industry experts at evaluating damage to residential, commercial and industrial roofing. They have been forensically evaluating roofing for over 60 years.
Will Insurance Cover a 10 year-old Roof
The answer is that yes it can be insured, with ACV coverage which stands for Actual Cash Value. Beginning in 2025, insurance companies stopped offering RCV (Replacement Cost Value) coverage on roofs 10 years old and older.
How Long do you Have to Claim Hail Damage
It depends upon your insurance company, but the typical standard is 1 year.
Class 3 Versus Class 4 Shingles
Class 4 shingles are tested to withstand the impact of a 2-inch steel ball dropped from a height comparable to a two-story building, while Class 3 shingles are tested to resist a 1.75-inch steel ball from nearly the same height.
Pick a Local Roofer
Pick who you like – but, pick local. No Omaha or Lincoln roofer is going to come back under warranty for a small leak down the road.
Protect Yourself From Storm Chaser’s Contracts
In Nebraska, the “3-day cancellation law,” also known as the Home Solicitation Sales Act allows consumers to cancel certain contracts within three (3) business days of signing, providing a “cooling-off” period.
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Roofing & Construction ® LLC
620 E 4th St, North Platte NE