Understanding The Claims Process & How We can help

At Demco Roofing & Restoration, we understand the stress and uncertainty that follows a storm. Our goal is to make the recovery process as smooth and transparent as possible. This document outlines how your homeowner's insurance can help you recover from storm damage and why choosing Demco is the best decision for protecting your home.

Storms can cause significant damage to your roof, often beyond what's immediately visible. Here's why many homeowners opt for a full roof replacement after experiencing storm damage:

• Extensive Damage: Hail, high winds, and fallen debris can compromise the structural integrity of your roof. Even seemingly minor damage can lead to leaks, mold growth, and further deterioration over time.
• Long-Term Protection: A new roof provides enhanced protection against future storms and the elements. It ensures your home remains safe, dry, and energy-efficient.
• Increased Home Value: Replacing an old or damaged roof can significantly increase the value of your home, making it a worthwhile investment.
• Peace of Mind: Knowing your roof is in excellent condition provides peace of mind and protects your family and belongings.

Many homeowners worry about how filing an insurance claim for roof damage will affect their rates. Here's what you need to know:

• One Claim Usually Isn't Detrimental: Filing a single claim for storm damage typically does not lead to a significant increase in your insurance premiums. Insurance companies understand that storm damage is often unavoidable.
• Multiple Claims Can Be a Factor: Filing multiple claims within a short period can potentially impact your rates. However, this is usually only a concern for homeowners with a history of frequent claims.
• Shop Around for Better Rates: If you are concerned about your rates increasing, consider shopping around for quotes from other insurance providers. Competition among insurers can often lead to better deals.
• Demco Can Help: We can assist you in understanding your policy and navigating the claims process to minimize potential rate impacts.

Dealing with insurance companies can be confusing and time-consuming. Demco Roofing & Restoration is here to help. We offer comprehensive assistance throughout the entire insurance process:

• Free Inspection: We provide a thorough roof inspection to assess the extent of the damage and identify any hidden issues.
• Detailed Damage Report: We create a detailed damage report with photographic evidence to support your insurance claim.
• Insurance Liaison: We communicate directly with your insurance company on your behalf, answering questions and providing necessary documentation.
• Claim Assistance: We guide you through the claims process, helping you understand your policy and ensuring you receive fair compensation.
• Hassle-Free Experience: Our goal is to make the insurance process as hassle-free as possible, so you can focus on getting your roof repaired or replaced.

One of the biggest advantages of utilizing your homeowner's insurance for storm damage is the significant financial coverage it provides. At Demco Roofing & Restoration, we want you to understand your financial responsibility clearly:

• Your Deductible: This is typically your only mandatory out-of-pocket expense for the roof replacement covered by your insurance claim. Your deductible is the amount specified in your insurance policy that you are responsible for paying towards the covered loss.
• Optional Upgrades: If you choose materials or features that exceed what your insurance policy covers (e.g., upgrading to a higher-grade shingle, adding specific ventilation, or choosing a more expensive roofing material), the cost difference for those upgrades would be your responsibility.
• No Hidden Costs for Covered Work: For the scope of work approved and covered by your insurance settlement, Demco handles all billing directly with your insurance company. You won't receive surprise bills later for the covered replacement costs beyond your deductible and chosen upgrades.

While your homeowner's insurance covers the core replacement cost (minus your deductible), Demco offers exclusive discounts on optional upgrades and supplemental services to maximize your investment:

• Material Upgrade Discounts:
  Save 5-15% when upgrading to premium shingles (e.g., architectural to designer series), impact-resistant options, or energy-efficient materials.
• Bundle Savings:
  Combine your roof replacement with other storm-damage repairs (gutters, siding, or painting) for 10% off non-insured work.
• Seasonal Promotions:
  Ask about limited-time offers – we frequently run spring/fall discounts on ventilation systems, solar-compatible upgrades, or extended warranties.
• Loyalty & Referral Programs:
  Existing customers receive discounts on future maintenance plans. Refer a neighbor and earn $200 credit toward upgrades.

While repairs may seem like a cost-effective solution, they are often not sufficient for older roofs that have sustained storm damage. Here's why:

• Compromised Integrity: Older roofs are more susceptible to damage and may already be weakened. Repairs can only address surface-level issues and cannot restore the overall structural integrity of the roof.
• Hidden Damage: Storms can cause hidden damage that is not immediately apparent. These issues can worsen over time, leading to leaks, mold, and further deterioration.
• Matching Issues: Matching new shingles with old shingles can be difficult, resulting in an uneven and unsightly appearance.
• Shorter Lifespan: Repaired roofs are more likely to experience future problems and may require additional repairs or replacement sooner than a new roof.
• Insurance May Cover Replacement: In many cases, your insurance policy may cover the cost of a full roof replacement if the damage is extensive enough, making it a more cost-effective solution in the long run.

At Demco Roofing & Restoration, transparency is a core value. We believe in providing our customers with clear, honest, and upfront information throughout the entire process:

• Detailed Estimates: We provide detailed estimates that clearly outline the scope of work, materials used, and associated costs. No hidden fees or surprises.
• Regular Communication: We keep you informed every step of the way, providing regular updates on the progress of your project.
• Open Dialogue: We encourage open communication and are always available to answer your questions and address your concerns.
• Quality Materials: We use only the highest quality materials from trusted manufacturers to ensure your roof is built to last.
• Expert Installation: Our team of experienced and certified professionals provides expert installation services, ensuring your roof is installed correctly and efficiently.
• Warranty Protection: We offer comprehensive warranty protection on our workmanship and materials, giving you added peace of mind.

Choosing Demco Roofing & Restoration means choosing peace of mind. Our customers sleep better after storms knowing that their roof is in excellent condition and their home is protected. Here's why:

• Expert Craftsmanship: We take pride in our workmanship and are committed to delivering exceptional results.
• Reliable Service: We are a trusted and reliable roofing contractor with a proven track record of customer satisfaction.
• Comprehensive Support: We provide comprehensive support throughout the entire process, from inspection to installation to insurance claims.
• Peace of Mind: Knowing your roof is in good hands allows you to relax and enjoy your home without worrying about potential problems.

                    With Demco, you're not just getting a new roof – you're getting peace of mind.

Ready to protect your home with Demco Roofing & Restoration? Contact us today to schedule a free inspection and consultation.

Phone: 678-708-9770
Email: Info@demcoroofs.com

Let us help you navigate the insurance process and ensure your roof is ready to weather any storm. We look forward to working with you and don’t forget—ask your rep about available discounts & upgrades