basement flooding Archives ⋆ New Harbor Roofing & Construction LLC

Ground Water Seepage is Excluded

Ground Water Seepage is Excluded North Platte, Nebraska’s water table is often high. Most homes have basements and unfortunately many basements in North Platte, Nebraska get water intrusion. Insurance companies call the “peril”, or cause of loss, “ground water...

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.
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.
Class 3 versus Class 4 Shingles
Both shingles are impact resistant. They both typically warrant an insurance premium discount. So what is the difference between the two shingles?
Pick a Local Roofer
Pick whom you like, but pick local. No Omaha or Lincoln roofer is coming back under warranty for a leak. No, your roofer doesn't need to meet the adjuster.
Class 3 Shingles are Impact Resistant
Class 3 shingles are Impact Resistant and are eligible for an insurance discount with most companies. They are less expensive than Class 4, but provide superior hail protection than typical shingles.