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If I get bids lower than my insurance settlement, do I get to keep the rest?
Insurance Claims
Can I get upgrades on my materials?
How much do I have to pay?
Does it matter how old my roof is?
Will my insurance company pay for my roof to be replaced?
Yes, if there is damage caused by an act of nature such as wind or hail.
Not as far as determining whether to pay or not, but it does affect how much the insurance company will pay if you have an actual cash value (ACV) policy.
This depends on your deductible and the type of policy you have. If you have a full replacement policy, your total cost would be the amount of your deductible. If you have an actual cash value (ACV) policy, the insurance company subtracts your deductible from the total amount, and then they subtract a portion for depreciation. Depending on the age of the roof, usually, with an ACV policy, you end up with approximately 50% of the funds needed to replace the roof.
This depends on how they pay you. Some insurance companies will pay a lump sum at one time, while others will require the work to be completed before they release a final payment. If they pay a portion up front and are holding a portion back until completion, the final bill will be determined by the actual invoice not to exceed the adjusted amount.
EXAMPLE: The insurance company says it will allow $3000.00 to replace your roof. Your deductible is $500.00. You will only receive $2500 if the job costs $3000. If the job costs $2700.00, the insurance company will pay you $2200.00 total, since your deductible is $500.00. They only owe the actual amount not to exceed the adjusted amount.
Yes, however, the increase in price above the insurance price is your responsibility. This is a great time for upgrades since the insurance company is responsible for the bulk of the cost. Also, if you have another storm related claim, the insurance company will put you back in the higher grade materials the second time.
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