Navigating Your Storm Damage Insurance Claim

When a storm disrupts your life, our team steps in to handle the chaos. We take care of the heavy lifting so you can focus on restoring your routine while we protect your investment.

WHOLE HOME INSURANCE RESTORATION

Storm damage often affects multiple parts of your home’s exterior. With expertise across roofing, siding, windows, and gutters, our team can evaluate the full scope of damage and coordinate the entire exterior restoration through one experienced partner.

We document visible damage, explain our findings, and provide clear information to support the insurance claim process. When appropriate, we can also meet with your adjuster, answer questions about the scope of work, and help ensure all affected areas are accurately represented.

A Company you can trust

Supporting you after storm damage

When a storm strikes, our dedicated team is here to help you restore your roof and home, collaborate with your insurance adjuster and provide any information they need to ensure your home is protected for years to come.

✓ Clarity and Communication: From start to finish, we provide you with all the information to make an informed decision and put your mind at ease with our transparent process.

✓ Insurance Collaboration: We collaborate directly with insurance adjusters, providing detailed documentation and taking that burden off your shoulders.

✓ Process Guidance: Documentation is prepared and submitted, leveraging our experience.

CLEAR ANSWERS TO YOUR questions

Will my insurance premiums go up if I file a storm damage claim?

Filing a single claim for storm damage should not cause your individual rates to spike. Because storm damage is caused by weather, insurance companies classify it as an “Act of God” or a no-fault event. Your rates don’t increase because you filed a claim; rather, insurance companies evaluate risk by geographic region. If an entire area or zip code is hit hard by a major storm, premiums across that entire region may adjust collectively, regardless of who filed a claim.

My insurance company told me I need to get three estimates. Is that true?

As the homeowner, you have the absolute legal right to choose any licensed, reputable contractor you trust to restore your property. You do not need to shop around for the lowest bid because your insurance carrier determines the baseline scope and pricing for the covered damage. Legacy works directly with your insurance company to align on the project scope and utilize standard pricing platforms, ensuring all necessary repairs are covered without you having to manage the back-and-forth.

What is the difference between ACV and RCV on my insurance paperwork?

These terms dictate how you will be reimbursed:

ACV (Actual Cash Value): This is the value of your damaged property at the time of the loss, which factors in depreciation for the age and wear of your roof.
RCV (Replacement Cost Value): This is the actual cost required to replace your roof at today’s market prices.

If you have an RCV policy, your insurance company will typically issue a first check based on the ACV to get the project started. Once the work is fully completed, we will submit the final invoice to release the remaining funds, known as “recoverable depreciation”.

Can a contractor waive or cover my insurance deductible?

No. It is illegal for any contractor to waive, absorb, or find a workaround to cover your insurance deductible.

The deductible is a mandatory, contractually obligated out-of-pocket responsibility established between you and your insurance provider. Any contractor offering to “save your deductible” or build it into the estimate is engaging in insurance fraud. To protect homeowners, insurance carriers frequently require proof of payment before releasing the final RCV payout. If out-of-pocket costs are a concern, Legacy offers flexible financing solutions to help break the deductible down into manageable monthly payments.

What if the insurance estimate does not include all the necessary repairs?

An insurance adjuster’s initial estimate may differ from a contractor’s assessment because additional damage, required materials, or code-related work may become apparent during a more detailed inspection or after work begins.

Ask your insurer to explain anything you do not understand. Legacy can provide photographs, measurements, an itemized scope of work, and other construction documentation for your review and submission to the insurer. If you disagree with a coverage decision or settlement, you should communicate directly with your insurance company and review the dispute or appraisal options described in your policy.

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