Ordinance or Law Coverage
New Harbor Roofing & Construction Ordinance or Law Coverage This pays for the additional costs of repairing or rebuilding a damaged home to meet current building codes, which standard policies usually do not cover. Have a 60 amp service? In a fire, you’d have to...
Hail Claim Deadline Explained
New Harbor Roofing & Construction Hail Claim Deadline Explained After a hail storm, almost every insurance carrier will require you to have a contractor inspect your roof for hail. Timely Reporting is a duty you owe the insurance company as a policyholder under...- 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.